Analisis Pengaruh Brand Image, Trust, Security, Perceived Usefulness, Perceived Ease Of Use Terhadap Adoption Intention Fintech Di Kota Batam
Abstract
Penelitian ini bertujuan guna mendapati pengaruh brand image, trust, security, perceived usefulness, dan perceived ease of use terhadap adoption intention fintech. Penelitian dijalankan dengan metode survei penyebaran kuesioner kepada 150 responden yang merupakan pengguna layanan fintech di mall Kota Batam dan diuji dengan SPSS versi 25. Penelitian didapati hasil yang menunjukkan brand image dan trust tidak berpengaruh terhadap adoption intention fintech, sedangkan security, perceived usefulness, perceived ease of use berpengaruh positif terhadap intention fintech.
Keywords:
brand image, trust, security, perceived usefulness, perceived ease of use, adoption intention fintech
References
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Candra, S., Nuruttarwiyah, F., & Hapsari, I. H. (2020). Revisited the technology acceptance model with e-trust for peer-to-peer lending in Indonesia (perspective from fintech users). International Journal of Technology, 11(4), 710–721. https://doi.org/10.14716/ijtech.v11i4.4032
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Dastan, I., & Gurler, C. (2016). Factors affecting the adoption of mobile payment systems: An empirical analysis. Emerging Markets Journal, 6(1), 1–16. https://doi.org/10.5195/emaj.2016.92
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Ghozali, I. (2018). Aplikasi Analisis Multivariate dengan Program IBM SPSS 25 (A. Tejokusuma (ed.); Edisi 9). Universitas Diponegoro.
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Krisnawati, N. W., & Ketut, W. (2019). Peran brand image memediasi pengaruh E-wom terhadap niat konsumen menggunakan ovo mobile payment. Jurnal Manajemen, 9(2), 79–98. https://doi.org/10.1002/9781118785317.weom090353
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Lai, P. C. (2016). Design and Security impact on consumers’ intention to use single platform E-payment. Interdisciplinary Information Sciences, 22(1), 111–122. https://doi.org/10.4036/iis.2016.r.05
Lai, P. C. (2018). Security as an extension to tam model: Consumers’ intention to use a single platform e-payment. Asia-Pacific Journal of Management Research and Innovation, 13(3–4), 110–119. https://doi.org/10.1177/2319510x18776405
Lee, I. (2017). E-Business Development and Management in the Global Economy.
Lu, X., & Lu, H. (2020). Understanding chinese millennials’ adoption intention towards third-party mobile payment. Information Resources Management Journal, 33(2), 40–63. https://doi.org/10.4018/IRMJ.2020040103
Luna, I. R. De, Cabanillas, F. L., Fernandez, J. S., & Leiva, F. M. (2018). Mobile payment is not all the same: The adoption of mobile payment systems depending on the technology applied. Technological Forecasting and Social Change, 4(1), 931–944. https://doi.org/10.1016/j.techfore.2018.09.018
Luna, I. R. de, Cabanillas, F. L., Juan, S.-F., & Leiva, F. M. (2018). Mobile payment is not all the same: The adoption of mobile payment systems depending on the technology applied. Technological Forecasting and Social Change, 146(August), 931–944. https://doi.org/10.1016/j.techfore.2018.09.018
Ma, L., Su, X., Yu, Y., Wang, C., Lin, K., & Lin, M. (2018). What drives the use of m-payment ? An empirical study about alipay and wechat payment. International Conference on Service Systems and Service Management Journal, 1(1), 1–6. https://doi.org/10.1109/ICSSSM.2018.8465029
Malik, A. (2020). Transaksi Uang Elektronik Agustus Melesat Tembus Rp17,23 Triliun, Ini Data Historisnya. Bareksa. https://www.bareksa.com/berita/berita-ekonomi-terkini/2020-10-13/transaksi-uang-elektronik-agustus-melesat-tembus-rp1723-triliun-ini-data-historisnya
Meyliana, M., Fernando, E., & Surjandy, S. (2019). The Influence of Perceived Risk and Trust in Adoption of FinTech Services in Indonesia. CommIT (Communication and Information Technology) Journal, 13(1), 31. https://doi.org/10.21512/commit.v13i1.5708
Morosan, C., & DeFranco, A. (2016). It’s about time: Revisiting UTAUT2 to examine consumers’ intentions to use NFC mobile payments in hotels. International Journal of Hospitality Management, 53(16), 17–29. https://doi.org/10.1016/j.ijhm.2015.11.003
Nanggala, A. Y. A. (2020). Use of fintech for payment : Approach to technology acceptance model modified. Journal of Contemporary Information Technology, Management, and Accounting, 1(1), 1–8.
Nangin, M. A., Barus, I. R. G., & Wahyoedi, S. (2020). The effects of perceived ease of use, security, and promotion on trust and its implications on fintech adoption. Journal of Consumer Sciences, 5(2), 124–138. https://doi.org/10.29244/jcs.5.2.124-138
Nguyen, T. N., Cao, T. K., Dang, P. L., & Nguyen, H. A. (2016). Predicting consumer intention to use mobile payment services: empirical evidence from Vietnam. International Journal of Marketing Studies, 8(1), 117. https://doi.org/10.5539/ijms.v8n1p117
Parastiti, Mukhlis, & Haryono. (2015). Analisis Penggunaan Uang Elektronik Pada Mahasiswa Fakultas Ekonomi Universitas Negeri Malang (Studi Kasus: Uang Elektronik Brizzi). Jurnal Ekonomi Dan Studi Pembangunan, 7(1), 75–82.
Putritama, A. (2019). The Mobile Payment Fintech Continuance Usage Intention in Indonesia. Jurnal Economia, 15(2), 243–258. https://doi.org/10.21831/economia.v15i2.26403
Rahadian, L. (2019). Industri Pembayaran Digital : Bank dan Fintech Berebut Pasar?
Routray, S., Khurana, R., Payal, R., & Gupta, R. (2019). A Move towards Cashless Economy: A Case of Continuous Usage of Mobile Wallets in India. Theoretical Economics Letters, 9(4), 1152–1166. https://doi.org/10.4236/tel.2019.94074
Ryu, H. S. (2018). Understanding benefit and risk framework of fintech adoption: comparison of early adopters and late adopters. Proceedings of the 51st Hawaii International Conference on System Sciences, 51(12), 3864–3873. https://doi.org/10.24251/hicss.2018.486
Sugiyono. (2016). Metode Penelitian Kuantitatif, Kualitatif, dan R&D. Alfabeta, Bandung.
Teng, P. K., Heng, B. L. J., & Abdullah, S. I. N. W. (2018). Distinctive comparison of consumers’ mobile payment adoption between China and Malaysia. Asia Proceedings of Social Sciences, 2(3), 57–61. https://doi.org/10.31580/apss.v2i3.258
Wibowo, A. E. (2012). Aplikasi Praktis SPSS Dalam Penelitian (A. Djojo (ed.); kedua). Gava Media.
Wong, W. H., & Mo, W. Y. (2019). A Study of Consumer Intention of Mobile Payment in Hong Kong, Based on Perceived Risk, Perceived Trust, Perceived Security and Technological Acceptance Model. Journal of Advanced Management Science, 7(2), 33–38. https://doi.org/10.18178/joams.7.2.33-38
Yadav, P. (2020). Active determinants for adoption of mobile wallet. Authentic Assessment in Social Studies, 12(1), 85–95. https://doi.org/10.4324/9780429261114-6
Yuniarti, V. (2020). Faktor – Faktor Yang Memengaruhi Minat Penggunaan Financial Technology Peer To Peer Lending. Journal of Chemical Information and Modeling, 53(9), 1689–1699
Ahmad, H., Ismail, Y. B., Shamsudin, B., & Kadir, B. Bin. (2016). Review of customer adoption on mobile payment. Journal of Postgraduate Current Business Research, 1(2), 8–14.
Anjelina, A. (2018). Persepsi Konsumen Pada Penggunaan E-Money. Journal of Applied Managerial Accounting, 2(2), 219–231. https://doi.org/10.30871/jama.v2i2.934
Aydin, G., & Burnaz, S. (2016). Adoption of mobile payment systems: a study on mobile wallets. Journal of Business Economica and Finance, 5(1), 73–73. https://doi.org/10.17261/pressacademia.2016116555
Bappenas. (2019). Jumlah Penduduk Indonesia 2019 Mencapai 267 Juta Jiwa.
Katadata.Co.Id.https://databoks.katadata.co.id/datapublish/2019/01/04/jumlahpenduduk-indonesia-2019-mencapai-267-juta-jiwa
Belanche, D., Casaló, L. V., & Flavián, C. (2019). Artificial intelligence in fintech: Understanding robo-advisors adoption among customers. Industrial Management and Data Systems, 119(7), 1411–1430. https://doi.org/10.1108/IMDS-08-2018-0368
Candra, S., Nuruttarwiyah, F., & Hapsari, I. H. (2020). Revisited the technology acceptance model with e-trust for peer-to-peer lending in Indonesia (perspective from fintech users). International Journal of Technology, 11(4), 710–721. https://doi.org/10.14716/ijtech.v11i4.4032
Chong, T. P., Choo, K. S. W., San, Y. Y., Chan, P. Y., Teh, H. L. J., & Ng, S. S. (2019). An adoption of fintech service in Malaysia. South East Asia Journal of Contemporary Business, Economics and Law, 18(5), 73–92.
Dastan, I., & Gurler, C. (2016). Factors affecting the adoption of mobile payment systems: An empirical analysis. Emerging Markets Journal, 6(1), 1–16. https://doi.org/10.5195/emaj.2016.92
Davis, F. D., Bagozzi, R. P., & Warshaw, P. R. (1989). User Acceptance of Computer Technology: A Comparison of Two Theoretical Models. Management Science, 35(8), 982–1003. https://doi.org/10.1287/mnsc.35.8.982
Fernando, E., Surjandy, Meyliana, & Touriano, D. (2018). Development and validation of instruments adoption fintech services in indonesia (perspective of trust and risk). 3rd International Conference on Sustainable Information Engineering and Technology Journal, 2(1), 283–287. https://doi.org/10.1109/SIET.2018.8693192
Ghozali, I. (2018). Aplikasi Analisis Multivariate dengan Program IBM SPSS 25 (A. Tejokusuma (ed.); Edisi 9). Universitas Diponegoro.
Gupta, M. A., Tyagi, D. A., & Rai, D. K. (2019). Adoption of mobile wallet: An empirical study among generation Y. Journal of The Gujarat Research Society, 21(11), 31–38.
Hair, Beckett, C., Eriksson, L., Johansson, E., & Wikström, C. (2010). Multivariate Data Analysis (MVDA). In Pharmaceutical Quality by Design: A Practical Approach. https://doi.org/10.1002/9781118895238.ch8
Haluan, N. (2019). Kemendagri Minta Daerah Terapkan Transaksi Non Tunai.
Hu, Z., Ding, S., Li, S., Chen, L., & Yang, S. (2019). Adoption intention of fintech services for bank users: An empirical examination with an extended technology acceptance model. Journal of Symmetry, 11(3), 1–16. https://doi.org/10.3390/sym11030340
Ibrahim, M. H., Hussin, S. R., & Hussin, S. H. (2019). Factors influencing Malaysian consumers’ intention to use quick response (QR) mobile payment. Jurnal Pengurusan, 57. https://doi.org/10.17576/pengurusan-2019-57-02
Indrawati, L., & Pattinama, M. M. (2021). Brand Image, Kualitas Pelayanan Dan Kepuasan Konsumen Di Dalam Pengaruhnya Terhadap Minat Ulang Penggunaan Aplikasi Dana. Jurnal Bisnis Dan Manajemen, 8(1), 16–21.
Jin, C. C., Seong, L. C., & Khin, A. A. (2020). Consumers’ behavioural intention to accept of the mobile wallet in Malaysia. Journal of Southwest Jiaotong University, 55(1), 1–13. https://doi.org/10.35741/issn.0258-2724.55.1.3
Krisnawati, N. W., & Ketut, W. (2019). Peran brand image memediasi pengaruh E-wom terhadap niat konsumen menggunakan ovo mobile payment. Jurnal Manajemen, 9(2), 79–98. https://doi.org/10.1002/9781118785317.weom090353
Kurniawan, I. (2019). Prediksi Perkembangan Industri Startup Indonesia setelah 2020. Entrepreneur UAI. https://entrepreneur.uai.ac.id/prediksi-perkembangan-industri-startup-indonesia-setelah-2020/
Lai, P. C. (2016). Design and Security impact on consumers’ intention to use single platform E-payment. Interdisciplinary Information Sciences, 22(1), 111–122. https://doi.org/10.4036/iis.2016.r.05
Lai, P. C. (2018). Security as an extension to tam model: Consumers’ intention to use a single platform e-payment. Asia-Pacific Journal of Management Research and Innovation, 13(3–4), 110–119. https://doi.org/10.1177/2319510x18776405
Lee, I. (2017). E-Business Development and Management in the Global Economy.
Lu, X., & Lu, H. (2020). Understanding chinese millennials’ adoption intention towards third-party mobile payment. Information Resources Management Journal, 33(2), 40–63. https://doi.org/10.4018/IRMJ.2020040103
Luna, I. R. De, Cabanillas, F. L., Fernandez, J. S., & Leiva, F. M. (2018). Mobile payment is not all the same: The adoption of mobile payment systems depending on the technology applied. Technological Forecasting and Social Change, 4(1), 931–944. https://doi.org/10.1016/j.techfore.2018.09.018
Luna, I. R. de, Cabanillas, F. L., Juan, S.-F., & Leiva, F. M. (2018). Mobile payment is not all the same: The adoption of mobile payment systems depending on the technology applied. Technological Forecasting and Social Change, 146(August), 931–944. https://doi.org/10.1016/j.techfore.2018.09.018
Ma, L., Su, X., Yu, Y., Wang, C., Lin, K., & Lin, M. (2018). What drives the use of m-payment ? An empirical study about alipay and wechat payment. International Conference on Service Systems and Service Management Journal, 1(1), 1–6. https://doi.org/10.1109/ICSSSM.2018.8465029
Malik, A. (2020). Transaksi Uang Elektronik Agustus Melesat Tembus Rp17,23 Triliun, Ini Data Historisnya. Bareksa. https://www.bareksa.com/berita/berita-ekonomi-terkini/2020-10-13/transaksi-uang-elektronik-agustus-melesat-tembus-rp1723-triliun-ini-data-historisnya
Meyliana, M., Fernando, E., & Surjandy, S. (2019). The Influence of Perceived Risk and Trust in Adoption of FinTech Services in Indonesia. CommIT (Communication and Information Technology) Journal, 13(1), 31. https://doi.org/10.21512/commit.v13i1.5708
Morosan, C., & DeFranco, A. (2016). It’s about time: Revisiting UTAUT2 to examine consumers’ intentions to use NFC mobile payments in hotels. International Journal of Hospitality Management, 53(16), 17–29. https://doi.org/10.1016/j.ijhm.2015.11.003
Nanggala, A. Y. A. (2020). Use of fintech for payment : Approach to technology acceptance model modified. Journal of Contemporary Information Technology, Management, and Accounting, 1(1), 1–8.
Nangin, M. A., Barus, I. R. G., & Wahyoedi, S. (2020). The effects of perceived ease of use, security, and promotion on trust and its implications on fintech adoption. Journal of Consumer Sciences, 5(2), 124–138. https://doi.org/10.29244/jcs.5.2.124-138
Nguyen, T. N., Cao, T. K., Dang, P. L., & Nguyen, H. A. (2016). Predicting consumer intention to use mobile payment services: empirical evidence from Vietnam. International Journal of Marketing Studies, 8(1), 117. https://doi.org/10.5539/ijms.v8n1p117
Parastiti, Mukhlis, & Haryono. (2015). Analisis Penggunaan Uang Elektronik Pada Mahasiswa Fakultas Ekonomi Universitas Negeri Malang (Studi Kasus: Uang Elektronik Brizzi). Jurnal Ekonomi Dan Studi Pembangunan, 7(1), 75–82.
Putritama, A. (2019). The Mobile Payment Fintech Continuance Usage Intention in Indonesia. Jurnal Economia, 15(2), 243–258. https://doi.org/10.21831/economia.v15i2.26403
Rahadian, L. (2019). Industri Pembayaran Digital : Bank dan Fintech Berebut Pasar?
Routray, S., Khurana, R., Payal, R., & Gupta, R. (2019). A Move towards Cashless Economy: A Case of Continuous Usage of Mobile Wallets in India. Theoretical Economics Letters, 9(4), 1152–1166. https://doi.org/10.4236/tel.2019.94074
Ryu, H. S. (2018). Understanding benefit and risk framework of fintech adoption: comparison of early adopters and late adopters. Proceedings of the 51st Hawaii International Conference on System Sciences, 51(12), 3864–3873. https://doi.org/10.24251/hicss.2018.486
Sugiyono. (2016). Metode Penelitian Kuantitatif, Kualitatif, dan R&D. Alfabeta, Bandung.
Teng, P. K., Heng, B. L. J., & Abdullah, S. I. N. W. (2018). Distinctive comparison of consumers’ mobile payment adoption between China and Malaysia. Asia Proceedings of Social Sciences, 2(3), 57–61. https://doi.org/10.31580/apss.v2i3.258
Wibowo, A. E. (2012). Aplikasi Praktis SPSS Dalam Penelitian (A. Djojo (ed.); kedua). Gava Media.
Wong, W. H., & Mo, W. Y. (2019). A Study of Consumer Intention of Mobile Payment in Hong Kong, Based on Perceived Risk, Perceived Trust, Perceived Security and Technological Acceptance Model. Journal of Advanced Management Science, 7(2), 33–38. https://doi.org/10.18178/joams.7.2.33-38
Yadav, P. (2020). Active determinants for adoption of mobile wallet. Authentic Assessment in Social Studies, 12(1), 85–95. https://doi.org/10.4324/9780429261114-6
Yuniarti, V. (2020). Faktor – Faktor Yang Memengaruhi Minat Penggunaan Financial Technology Peer To Peer Lending. Journal of Chemical Information and Modeling, 53(9), 1689–1699
Published
2022-01-01
How to Cite
Suprapto, Y., & Farida, F. (2022). Analisis Pengaruh Brand Image, Trust, Security, Perceived Usefulness, Perceived Ease Of Use Terhadap Adoption Intention Fintech Di Kota Batam. Jesya, 5(1), 319-332. https://doi.org/https://doi.org/10.36778/jesya.v5i1.569
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Articles
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