PENGARUH KEMUDAHAN PENGGUNAAN DAN KEAMANAN TERHADAP NIAT PENGGUNAAN DAN DAMPAKNYA PADA NIAT MEREKOMENDASIKAN SISTEM M-PAYMENT DI MASA PANDEMI COVID-19
anggit Yoebrilianti, Nurhayani Nurhyani
Abstract
Penelitian ini bertujuan untuk menganalisis dan menguji kemudahan penggunaan dan faktor keamanan terhadap niat penggunaan dan menguji dampaknya terhadap niat merekomendasikan penggunaan layanan m-payment di Indonesia khususnya pada Kota Serang, Provinsi Banten. Penelitian ini menggunakan pendekatan kuantitatif. Populasi penelitian ini adalah seluruh pengguna layanan pembayaran m-payment di Kota Serang yang menggunakan aplikasi Go-Pay, Ovo dan Dana. Sampel penelitian diambil dengan menggunakan teknik purposive sampling. Pengumpulan data dilakukan dengan melakukan penyebaran kuesioner secara daring (online) sehingga didapatkan data sebanyak 190 responden. Data diolah dengan menggunakan teknik analisis partial leats square structural equation modeling (PLS-SEM). Hasil penelitian ini menunjukkan bahwa kemudahan penggunaan dan keamanan berpengaruh positif dan signifikan terhadap niat penggunaan layana m-payment. Penelitian ini juga menemukan pengaruh yang signifikan dari niat penggunaan terhadap niat merekomendasikan layana m-payment.
Keywords
Kemudahan penggunaan, keamanan, niat penggunaan, niat merekomendasikan, m-payment
References
APJII. (2017). Infografis: penetrasi & perilaku pengguna internet Indonesia survey 2017.
APJII. (2018). Infografis: penetrasi & perilaku pengguna internet Indonesia survey 2018.
Aslam, W., Ham, M., & Arif, I. (2017). Consumer Behavioral Intentions towards Mobile Payment Services: An Empirical Analysis in Pakistan Market. Tržište, 29 (2), 161-176.
Bailey, A.A., Pentina, I., Mishra, A.S., dan Mimoun, M.S.B. (2017). mobile payments adoptions by US consumers: an extended TAM. International Journal of Retail & Distribution Management, 45(6), 1-17.
Chaouali, W., Ben Yahia, I., dan Souiden, N. (2016). The interplay of counter-conformity motivation, social influence, and trust in customers’ intention to adopt Internet banking services: The case of an emerging country. Journal of Retailing and Consumer Services, 28, 209–218.
Davis, F.D. (1989). Perceived usefulness, perceived ease of use, and user acceptance of information technology. MIS Quarterly, 13, 319-340.
Davis, F.D., Bagozzi, R.P., & Warshaw, P.R. (1989). User acceptance of computer technology: a comparison of two theoretical models. Management Science, 35, 982-1003.
Ghozali, I. 2018. Aplikasi Analisis Multivariate Dengan Program IBM Spss 25. Semarang: Badan Penerbit Universitas Diponegoro.
Hsu, C. L., & Lin, J. C. C. (2016). Effect of perceived value and social influences on mobile app stickiness and in-app purchase intention. Technological Forecasting and Social Change, 108, 42–53.
Ikhsan, K., dan Sunaryo, D. (2020). Technology acceptance model, Social Influence And Perceived Risk In Using Mobile Application: Empirical Evidence In Online Transportation In Indonesia. Jurnal Dinamika Manajemen, 11(2), 127-138.
Jogiyanto. (2007). Sistem Informasi Keperilakuan. Edisi Revisi. Yogyakarta: AndiOffset.
Johnson, V.L., Kiser, A., Washington, R., dan Torres, R. (2018). Limitations to the Rapid Adoption of M-payment Services: Understanding the Impact of Privacy Risk on M-Payment Services. Computers in Human Behavior, 79, 111-122.
Liébana-Cabanillas, F., Luna, I.R.D., dan Montoro-RÃos, F. (2017a). Intention to use new mobile payment systems: a comparative analysis of SMS and NFC payments. Conomic Research-Ekonomska Istraživanja, 30(1), 892-910.
Liébana-Cabanillas, F., Leiva, F.M., dan Fernández, J.S. (2017b). Chapter 6: Examining Merchants’ Refusal to Adopt Mobile Payment Systems in Spain.
Liébana-Cabanillas, F., Marinkovic, V., Luna, I.R.D, dan Kalinic, Z. (2018). Predicting the determinants of mobile payment acceptance: A hybrid SEM-neural network approach. Technological Forecasting & Social Change, 129, 117-130.
Mallat, N., Rossi, M., Tuunainen, V. K., & Oorni, A. (2009). The impact of use context on mobile services acceptance: The case of mobile ticketing. Information & Management, 46 (3), 190–195.
MDI Ventures dan Mandiri Sekuritas Research. (2019). Mobile payment in Indonesia: race to big data domination.
Metemba, E.D., dan Li, G. (2018). Consumers' willingness to adopt and use WeChat wallet: An empirical study in South Africa. Technology in Society, 53, 55-68.
Miltgen, C. L., Popovic, A., dan Oliveira, T. (2013). Determinants of end-user acceptance of biometrics: integrating the “Big 3†of technology acceptance with privacy context. Decision Support Systems, 56, 103-114.
Noor, J. 2017. Metodologi penelitian: skripsi, tesis, disertasi dan karya ilmiah, edisi pertama. Jakarta: Kencana.
Oliveira, T., Thomas, M., Baptista, G., dan Campos, F. (2016). Mobile payment: Understanding the determinants of customer adoption and intention to recommend the technology. Computers in Human Behavior, 61, 404-414.
Phonthanukitithaworn, C., Sellitto, C., dan Fong, M.W.L. (2016). An investigation of mobile payment (m-payment) services in Thailand. Asia-Pacific Journal of Business Administration, 8 (1), 37-54.
Tsiakis, T., dan Sthephanides, G. (2005). The concept of security and trust in electronic payments. Computers and Security, 24, 10–15.
Zhou, T. (2011). The effect of initial trust on user adoption of mobile payment. Information Development, 27(4), 290-300.
Zhu, D., Lin, T. C-T., dan Hsu, Y-C. (2012). Using the technology acceptance model to evaluate user attitude and intention of use for online games. Total Quality Management & business excellence, 23(7-8), 965-980.
DOI: https://doi.org/10.24967/ekombis.v6i2.1237
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This work is licensed under a Creative Commons Attribution-ShareAlike 4.0 International License.
anggit Yoebrilianti, Nurhayani NurhyaniAbstract
Keywords
References
APJII. (2017). Infografis: penetrasi & perilaku pengguna internet Indonesia survey 2017.
APJII. (2018). Infografis: penetrasi & perilaku pengguna internet Indonesia survey 2018.
Aslam, W., Ham, M., & Arif, I. (2017). Consumer Behavioral Intentions towards Mobile Payment Services: An Empirical Analysis in Pakistan Market. Tržište, 29 (2), 161-176.
Bailey, A.A., Pentina, I., Mishra, A.S., dan Mimoun, M.S.B. (2017). mobile payments adoptions by US consumers: an extended TAM. International Journal of Retail & Distribution Management, 45(6), 1-17.
Chaouali, W., Ben Yahia, I., dan Souiden, N. (2016). The interplay of counter-conformity motivation, social influence, and trust in customers’ intention to adopt Internet banking services: The case of an emerging country. Journal of Retailing and Consumer Services, 28, 209–218.
Davis, F.D. (1989). Perceived usefulness, perceived ease of use, and user acceptance of information technology. MIS Quarterly, 13, 319-340.
Davis, F.D., Bagozzi, R.P., & Warshaw, P.R. (1989). User acceptance of computer technology: a comparison of two theoretical models. Management Science, 35, 982-1003.
Ghozali, I. 2018. Aplikasi Analisis Multivariate Dengan Program IBM Spss 25. Semarang: Badan Penerbit Universitas Diponegoro.
Hsu, C. L., & Lin, J. C. C. (2016). Effect of perceived value and social influences on mobile app stickiness and in-app purchase intention. Technological Forecasting and Social Change, 108, 42–53.
Ikhsan, K., dan Sunaryo, D. (2020). Technology acceptance model, Social Influence And Perceived Risk In Using Mobile Application: Empirical Evidence In Online Transportation In Indonesia. Jurnal Dinamika Manajemen, 11(2), 127-138.
Jogiyanto. (2007). Sistem Informasi Keperilakuan. Edisi Revisi. Yogyakarta: AndiOffset.
Johnson, V.L., Kiser, A., Washington, R., dan Torres, R. (2018). Limitations to the Rapid Adoption of M-payment Services: Understanding the Impact of Privacy Risk on M-Payment Services. Computers in Human Behavior, 79, 111-122.
Liébana-Cabanillas, F., Luna, I.R.D., dan Montoro-RÃos, F. (2017a). Intention to use new mobile payment systems: a comparative analysis of SMS and NFC payments. Conomic Research-Ekonomska Istraživanja, 30(1), 892-910.
Liébana-Cabanillas, F., Leiva, F.M., dan Fernández, J.S. (2017b). Chapter 6: Examining Merchants’ Refusal to Adopt Mobile Payment Systems in Spain.
Liébana-Cabanillas, F., Marinkovic, V., Luna, I.R.D, dan Kalinic, Z. (2018). Predicting the determinants of mobile payment acceptance: A hybrid SEM-neural network approach. Technological Forecasting & Social Change, 129, 117-130.
Mallat, N., Rossi, M., Tuunainen, V. K., & Oorni, A. (2009). The impact of use context on mobile services acceptance: The case of mobile ticketing. Information & Management, 46 (3), 190–195.
MDI Ventures dan Mandiri Sekuritas Research. (2019). Mobile payment in Indonesia: race to big data domination.
Metemba, E.D., dan Li, G. (2018). Consumers' willingness to adopt and use WeChat wallet: An empirical study in South Africa. Technology in Society, 53, 55-68.
Miltgen, C. L., Popovic, A., dan Oliveira, T. (2013). Determinants of end-user acceptance of biometrics: integrating the “Big 3†of technology acceptance with privacy context. Decision Support Systems, 56, 103-114.
Noor, J. 2017. Metodologi penelitian: skripsi, tesis, disertasi dan karya ilmiah, edisi pertama. Jakarta: Kencana.
Oliveira, T., Thomas, M., Baptista, G., dan Campos, F. (2016). Mobile payment: Understanding the determinants of customer adoption and intention to recommend the technology. Computers in Human Behavior, 61, 404-414.
Phonthanukitithaworn, C., Sellitto, C., dan Fong, M.W.L. (2016). An investigation of mobile payment (m-payment) services in Thailand. Asia-Pacific Journal of Business Administration, 8 (1), 37-54.
Tsiakis, T., dan Sthephanides, G. (2005). The concept of security and trust in electronic payments. Computers and Security, 24, 10–15.
Zhou, T. (2011). The effect of initial trust on user adoption of mobile payment. Information Development, 27(4), 290-300.
Zhu, D., Lin, T. C-T., dan Hsu, Y-C. (2012). Using the technology acceptance model to evaluate user attitude and intention of use for online games. Total Quality Management & business excellence, 23(7-8), 965-980.
Ekombis Sains: Jurnal Ekonomi, Keuangan dan Bisnis is licensed under a Creative Commons Attribution-ShareAlike 4.0 International License
