FAKTOR-FAKTOR YANG MEMENGARUH NIAT PENGGUNAAN PEMBAYARAN ONLINE

Michael Gabriel Djioe, Margaretha Pink Berlianto

Abstract


Today, smartphones have become an integral part of people's increasingly digital lifestyles. Smartphones are increasingly being used for text messaging, entertainment, navigation and other financial activities such as mobile commerce and mobile payments. Mobile payments allow users to make payment transactions without having a banking account at a formal financial institution. Therefore, in this study, we will find out whether there is a positive effect of performance expectations, business expectations, social influences, anxiety and personal innovation on the intention to use online payments. This research uses quantitative methods, data is taken using Google Form which is distributed to 40 people for preliminary studies and 272 respondents for actual research. Data collection was done by using convenience sampling. The data obtained was processed using the SmartPls 3.0 application

BAHASA INDONESIA ABSTRACT

Saat ini, smartphone telah menjadi bagian integral dari gaya hidup masyarakat yang semakin digital. Smartphone semakin banyak digunakan untuk pesan teks, hiburan, navigasi dan kegiatan keuangan lainnya seperti perdagangan seluler dan pembayaran seluler. Mobile payment memungkinkan pengguna untuk melakukan transaksi pembayaran tanpa memiliki rekening perbankan di lembaga keuangan formal. Oleh karena itu dalam penelitian ini akan mencari tahu apakah terdapat pengaruh positif harapan kinerja, harapan usaha, pengaruh sosial, kecemasan dan inovasi pribadi terhadap pada niat penggunaan pembayaran online. Penelitian ini menggunakan metode kuantitatif, data diambil dengan menggunakan Google Form yang disebarkan kepada 40 orang untuk studi pendahuluan dan 272 responden untuk penelitian actual. Pengambilan data dilakukan dengan menggunakan convenience sampling. Data yang diperoleh diolah dengan menggunakan aplikasi SmartPls 3.0.


Keywords


Performance Expectancy; Effort Expectancy; Social Influence; Anxiety; Personal Innovativeness; Consumers’ Intention To Use The Mobile Payment; Harapan Kinerja; Harapan Usaha; Pengaruh Sosial; Kecemasan; Inovasi Pribadi; Niat Penggunaan Pembayaran Online

Full Text:

PDF

References


Annur, C. M. (2021). Kebutuhan Pembayaran Digital Jadi Faktor Utama Masyarakat RI Pakai E-Wallet. 14 Juli. https://databoks.katadata.co.id/datapublish/2021/07/14/kebutuhan-pembayaran-digital-jadi-faktor-utama-masyarakat-ri-pakai-e-wallet

Bujisic, M., Bogicevic, V., Yang, W., Cobanoglu, C., & Bilgihan, A. (2015). “Hobson’s Choice” servicescape: consumer anxiety and enjoyment. Journal of Consumer Marketing, 32(4), 1–44.

Dewi, C. K., Mohaidin, Z., & Murshid, M. A. (2020). Determinants of online purchase intention: a PLS-SEM approach: evidence from Indonesia. Journal of Asia Business Studies, 14(3), 281–306. https://doi.org/10.1108/JABS-03-2019-0086

Ghozali, I., & Latan, H. (2015). Partial Least Squares : Konsep, Teknik dan Aplikasi Menggunakan Program SmartPLS3.0 (Edisi kedu). Universitas Diponegoro.

Gupta, K. P., Manrai, R., & Goel, U. (2019). Factors influencing adoption of payments banks by Indian customers: Extending UTAUT with perceived credibility. Journal of Asia Business Studies.

Hamid, R. S., & Anwar, S. M. (2019). Structural Equation Modeling (SEM) Berbasis Varian: Konsep Dasar dan Aplikasi dengan Program SmartPLS 3.2.8 dalam Riset Bisnis. Jakarta: PT Inkubator Penulis Indonesia.

Jogiyanto, H. M. (2011). Konsep dan Aplikasi Structural Equation Modeling Berbasis Varian Dalam Penelitian. Yogyakarta: UPP STIM YKPN.

Khazaei, H. (2019). The Influence of Personal Innovativeness and Price Value on Intention to Use of Electric Vehicles in Malaysia. European Online Journal of Natural and Social Sciences, 8(3), 483–494. http://www.european-science.com

Lee, K., Kim, H., & Vohs, K. D. (2011). Stereotype Threat in the Marketplace: Consumer Anxiety and Purchase Intentions. Journal of Consumer Research, 38(2), 1–17. https://doi.org/10.1086/659315

Leri, I., & Theodoridis, P. (2019). The Effects of The Winery Visitor Experience on Emotions, Satisfaction and On Post-Visit Behaviour Intentions. Tourism Review, 74(3), 480–502. https://doi.org/10.1108/TR-07-2018-0092

Mohamad, S. A., & Kassim, S. (2019). Examining the Relationship between UTAUT Construct, Technology Awareness, Financial Cost and E-Payment Adoption among Microfinance Clients in Malaysia. Advances in Social Science, Education and Humanities Research, 292, 351–357. https://doi.org/10.2991/agc-18.2019.56

Mugambe, P. (2017). UTAUT Model in Explaining the Adoption of Mobile Money Usage by MSMEs’ Customers in Uganda. Advances in Economics and Business, 5(3), 129–136. https://doi.org/10.13189/aeb.2017.050302

Rahi, S., Mansour, M. M. O., Alghizzawi, M., & Alnaser, F. M. (2019). Integration of UTAUT model in internet banking adoption context: The mediating role of performance expectancy and effort expectancy. Journal of Research in Interactive Marketing, 13(3), 411– 435. https://doi.org/10.1108/JRIM-02-2018-0032

Sair, S. A., & Danish, R. Q. (2018). Effect of Performance Expectancy and Effort Expectancy on the Mobile Commerce Adoption Intention through Personal Innovativeness among Pakistani Consumers. Pakistan Journal of Commerce and Social Science, 12(2), 501–520.


Refbacks

  • There are currently no refbacks.


Copyright (c) 2022 Michael Gabriel Djioe, Margaretha Pink Berlianto

Creative Commons License
This work is licensed under a Creative Commons Attribution-ShareAlike 4.0 International License.

favicon  Fakultas Ekonomi dan Bisnis | Universitas Pelita Harapan | Kampus Universitas Pelita Harapan | Gedung F Lt. 12 | Lippo Karawaci, Tangerang - 15811 | Telp 021-5460901 | Fax 54210992