Faktor-Faktor Yang Mempengaruhi Niat Dalam Penggunaan Sistem Pembayaran Seluler
Abstract
Perkembangan teknologi dan peningkatan jumlah pengguna smartphone mendorong perusahaan di Indonesia akan terus berinovasi dan berkolaborasi untuk memenuhi tantangan globalisasi supaya dapat memenuhi kebutuhan pengguna dan memberikan layanan terbaik. Salah satu layanan yang disediakan adalah aplikasi dompet elektronik (e-wallet). Masyarakat kota Batam saat ini bertindak sebagai konsumen dan lebih suka sesuatu yang praktis untuk melakukan segala kegiatan konsumen, sehingga transaksi dapat dilakukan secara instan melalui Mobile Payment System (MPS). Penelitian ini mempunyai tujuan untuk melakukan analisa dan mengetahui seberapa besar atas pengaruh usefulness, ease of use, security, compatibility, subjective norm, dan experience terhadap intention to use MPS pada masyarakat kota Batam. Instrumen penelitian berupa kuesioner disebarkan kepada masyarakat kota Batam dengan jumlah sampel sebanyak 417 responden. Hasil penelitian menunjukkan bahwa usefulness, compatibility dan experience berpengaruh positif terhadap intention to use MPS, sedangkan ease of use, security dan subjective norms berpengaruh negatif terhadap intention to use MPS.
Keywords:
dompet elektronik, niat penggunaan, pengadopsian teknologi keuangan, sistem pembayaran seluler
References
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Setiawan, Maggie; Setyawati, C. Y. (2020). To Use Mobile Payment : Attitude Toward Using As. 3(1), 18–32.
Shankar, A., & Datta, B. (2018). Factors Affecting Mobile Payment Adoption Intention: An Indian Perspective. Global Business Review, 19(3_suppl), S72–S89. https://doi.org/10.1177/0972150918757870
Singh, G., Kumar, B., & Gupta, R. (2018). The Role of Consumer’s Innovativeness Perceived Ease of Use to Engender Adoption of Digital Wallets in India. 2018 International Conference on Automation and Computational Engineering, ICACE 2018, 150–158. https://doi.org/10.1109/ICACE.2018.8686875
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Stats. (2020). Asia Internet Use, Population Data, and Facebook Statistics - June 30, 2020. Retrieved December 5, 2020, from https://www.internetworldstats.com/ website: https://www.internetworldstats.com/stats3.htm#asia
Taufan, A., & Yuwono, R. T. (2019). Analysis of Factors That Affect Intention to Use e-Wallet through the Technology Acceptance Model Approach ( Case Study : GO-PAY ). 8(7), 413–419. https://doi.org/10.21275/ART2020219
Teng, P. K., Ling, T. J., & Seng, K. W. K. (2018). Understanding Customer Intention to Use Mobile Payment Services in Nanjing,China. International Journal of Community Development & Management Studies, 2, 49–60. Retrieved from https://www.informingscience.org/Articles/v2p049-060Teng4446.pdf
Tun, P. M. (2020). An Investigation of Factors Influencing Intention to Use Mobile Wallets of Mobile Financial Services Providers in Myanmar. The Asian Journal of Technology Management (AJTM), 13(2), 129–144. https://doi.org/10.12695/ajtm.2020.13.2.3
Wijayanthi, I. M. (2019). Behavioral Intention of Young Consumers Towards E-Wallet Adoption: an Empirical Study Among Indonesian Users. Russian Journal of Agricultural and Socio-Economic Sciences, 85(1), 79–93. https://doi.org/10.18551/rjoas.2019-01.09
Wong, A. (2018). A Study of Consumer Acceptance of Mobile Payment Services in Hong Kong. Journal of Economics, Management and Trade, 21(3), 1–14. https://doi.org/10.9734/jemt/2018/39472
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
Yan, H., & Pan, K. (2015). Examining mobile payment user adoption from the perspective of trust transfer. International Journal of Networking and Virtual Organisations, 15(2–3), 136–151. https://doi.org/10.1504/IJNVO.2015.070423
BPS. (2020). Kota Batam dalam angka 2020. Badan Pusat Statistik Kota Batam. Batam. Indonesia.
Chatterjee, D., & Bolar, K. (2019). Determinants of Mobile Wallet Intentions to Use: The Mental Cost Perspective. International Journal of Human-Computer Interaction, 35(10), 859–869. https://doi.org/10.1080/10447318.2018.1505697
Cobanoglu, C., Yang, W., Shatskikh, A., & Agarwal, A. (2015). Are Consumers Ready for Mobile Payment? An Examination of Consumer Acceptance of Mobile Payment Technology in Restaurant Industry. Hospitality Review, 31(4), 6.
Hair, J., 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
Hashim, N. A. A. N., Zulkifli, W. F. W., Che Aziz, R., Nawi, N. M. M., Awang, Z., Muhammad, N. H., & Yusoff, A. M. (2020). Grab Pay App : The Factors Influencing Tourists ’ Behavioural Intention-to-Use. Talent Development & Excellence, 12(3), 820–828.
Hong Zhu, D., & Ying L. Y. P. Chang, L. (2017). Understanding the Intention to Continue Use of a Mobile Payment Provider: An Examination of Alipay Wallet in China. International Journal of Business and Information, 12(4), 369–390. https://doi.org/10.6702/ijbi.2017.12.4.2
Junadi, & Sfenrianto. (2015). A Model of Factors Influencing Consumer’s Intention to Use E-payment System in Indonesia. Procedia Computer Science, 59(Iccsci), 214–220. https://doi.org/10.1016/j.procs.2015.07.557
Jung, J.-H., Kwon, E., & Kim, D. H. (2020). Mobile payment service usage: U.S. consumers’ motivations and intentions. Computers in Human Behavior Reports, 1(January), 100008. https://doi.org/10.1016/j.chbr.2020.100008
Krejcie, R. V., & Morgan, D. W. (1970). Determining Sample Size for Research Activities. Educational and Psychological Measurement, 30(3), 607–610. https://doi.org/10.1177/001316447003000308
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
Le, H. B. H., Ngo, C. T., Trinh, T. T. H., & Nguyen, T. T. P. (2020). Factor affecting customers’ decision to use mobile banking service: A case of thanh hoa province, Vietnam. Journal of Asian Finance, Economics and Business, 7(2), 205–212. https://doi.org/10.13106/jafeb.2020.vol7.no2.205
Leong, C. M., Tan, K. L., Puah, C. H., & Chong, S. M. (2020). Predicting mobile network operators users m-payment intention. European Business Review. https://doi.org/10.1108/EBR-10-2019-0263
Liébana-Cabanillas, F., Japutra, A., Molinillo, S., Singh, N., & Sinha, N. (2020). Assessment of mobile technology use in the emerging market: Analyzing intention to use m-payment services in India. Telecommunications Policy, 44(9). https://doi.org/10.1016/j.telpol.2020.102009
Liu, G.-S., & Tai, P. T. (2016). A Study of Factors Affecting the Intention to Use Mobile Payment Services in Vietnam. Economics World, 4(6), 249–273.
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. 2018 15th International Conference on Service Systems and Service Management, ICSSSM 2018, (71471118), 1–6. https://doi.org/10.1109/ICSSSM.2018.8465029
Madan, K., & Yadav, R. (2016). Behavioural intention to adopt mobile wallet: a developing country perspective. Journal of Indian Business Research, 8(3), 227–244. https://doi.org/10.1108/JIBR-10-2015-0112
Matemba, E. D., & Li, G. (2018). Consumers’ willingness to adopt and use WeChat wallet: An empirical study in South Africa. Technology in Society, 53, 55–68. https://doi.org/10.1016/j.techsoc.2017.12.001
Pal, A., Herath, T., De, R., & Rao, H. R. (2018). Factors facilitating Adoption of Mobile Payment Services over Credit / Debit Cards : An Investigation after the Demonetization Policy Shock in India. PACIS 2018 Proceedings, 337.
Peša, A. R., & Brajković, A. (2016). Testing The ‘Black Swan Effect’ on Croatian Stock Market Between 2000 and 2013. EMAJ: Emerging Markets Journal, 6(1), 1–16. https://doi.org/10.5195/emaj.2016.92
Rizkyandy, R., Setyohadi, D. B., & Suyoto. (2018). What should be considered for acceptance mobile payment: An investigation of the factors affecting of the intention to use system services T-cash. Advances in Science, Technology and Engineering Systems, 3(2), 257–262. https://doi.org/10.25046/aj030230
Salloum, S. A., Al-Emran, M., Khalaf, R., Habes, M., & Shaalan, K. (2019). An innovative study of e-payment systems adoption in higher education: Theoretical constructs and empirical analysis. International Journal of Interactive Mobile Technologies, 13(6), 68–83. https://doi.org/10.3991/ijim.v13i06.9875
Sekaran, U., & Bougie, R. (2016). Reserach Methods for Bussiness A Skill-Bulding Approach. 1–447.
Setiawan, Maggie; Setyawati, C. Y. (2020). To Use Mobile Payment : Attitude Toward Using As. 3(1), 18–32.
Shankar, A., & Datta, B. (2018). Factors Affecting Mobile Payment Adoption Intention: An Indian Perspective. Global Business Review, 19(3_suppl), S72–S89. https://doi.org/10.1177/0972150918757870
Singh, G., Kumar, B., & Gupta, R. (2018). The Role of Consumer’s Innovativeness Perceived Ease of Use to Engender Adoption of Digital Wallets in India. 2018 International Conference on Automation and Computational Engineering, ICACE 2018, 150–158. https://doi.org/10.1109/ICACE.2018.8686875
Society, J. E., & Society, J. E. (2020). www.econstor.eu.
Statista. (2020). Digital Payment Users Statistics in Indonesia 2020. Retrieved December 5, 2020, from www.statista.com website: https://www.statista.com/outlook/296/120/digital-payments/indonesia
Stats. (2020). Asia Internet Use, Population Data, and Facebook Statistics - June 30, 2020. Retrieved December 5, 2020, from https://www.internetworldstats.com/ website: https://www.internetworldstats.com/stats3.htm#asia
Taufan, A., & Yuwono, R. T. (2019). Analysis of Factors That Affect Intention to Use e-Wallet through the Technology Acceptance Model Approach ( Case Study : GO-PAY ). 8(7), 413–419. https://doi.org/10.21275/ART2020219
Teng, P. K., Ling, T. J., & Seng, K. W. K. (2018). Understanding Customer Intention to Use Mobile Payment Services in Nanjing,China. International Journal of Community Development & Management Studies, 2, 49–60. Retrieved from https://www.informingscience.org/Articles/v2p049-060Teng4446.pdf
Tun, P. M. (2020). An Investigation of Factors Influencing Intention to Use Mobile Wallets of Mobile Financial Services Providers in Myanmar. The Asian Journal of Technology Management (AJTM), 13(2), 129–144. https://doi.org/10.12695/ajtm.2020.13.2.3
Wijayanthi, I. M. (2019). Behavioral Intention of Young Consumers Towards E-Wallet Adoption: an Empirical Study Among Indonesian Users. Russian Journal of Agricultural and Socio-Economic Sciences, 85(1), 79–93. https://doi.org/10.18551/rjoas.2019-01.09
Wong, A. (2018). A Study of Consumer Acceptance of Mobile Payment Services in Hong Kong. Journal of Economics, Management and Trade, 21(3), 1–14. https://doi.org/10.9734/jemt/2018/39472
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
Yan, H., & Pan, K. (2015). Examining mobile payment user adoption from the perspective of trust transfer. International Journal of Networking and Virtual Organisations, 15(2–3), 136–151. https://doi.org/10.1504/IJNVO.2015.070423
Published
2022-06-01
Section
Articles
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