PEMBENTUK INTENTION TO USE DOMPET DIGITAL MELALUI CONSUMER ATTITUDE
DOI:
https://doi.org/10.25170/jm.v19i1.2300Kata Kunci:
Digital Wallets, Consumer Attitude, Intention to Use, perceived usefulness, perceived convenienceAbstrak
This study aims to look at the effect of perceived usefulness, perceived convenience, and security on an intention to use through the consumer attitude towards digital wallet users. This is due to the many developments in payment instruments using digital wallets. The research object is digital wallet users. The data taken were 160 respondents. Retrieval of data using purposive sampling. Purposive sampling is used because the respondents taken have already used digital wallets in their payments. The indicators and variables studied were tested for validity and reliability. The validity test used confirmatory factor analysis by looking at the factor loading value. For reliability, composite reliability (CR) and average extracted variance (AVE) are used. To test the hypothesis, structural equation modeling (SEM) is used. The hypothesis testing results indicate that the variable perceived usefulness and security do not directly influence intention to use. The perceived convenience variable does not have a direct or indirect effect on the intention to use. Meanwhile, perceived usefulness and security variables indirectly affect the intention to use through consumer attitude.
Referensi
Ariffin, Z.Z., Heng, K.T., Yaakop, A.Y., Mokhtar N.F., & Mahadi N., 2017, Conceptualizing gen y online shopping behaviour: integrating task-technology fit (TTF) model and extended technology acceptance model (TAM),Proceeding of ICARBSS 2017 Langkawi, Malaysia, 2017(29th).
Arvidsson, N. (2014). Consumer attitudes on mobile payment services–results from a proof of concept test. International Journal of Bank Marketing, Vol. 32 Issue 2, pp 150-170
Aydin, G., & Burnaz, S. (2016). Adoption of mobile payment systems: A study on mobile wallets. Journal of Business Economics and Finance, 5(1), 73-92.
Bagozzi, R.,& Yi, Y. (1988). On the Evaluation of Structural Evaluation Models. Journal of the Academy of Marketing Science, 16,74-94.
Bank Indonesia (2020). Statistik Sitem Pembayaran. Diakses pada 29 Maret 2020 dari https://www.bi.go.id/id/statistik/sistem-pembayaran/uang elektronik/contents/penyelenggara%20uang%20elektronik.aspx pukul 19:53
Chawla, D., & Joshi, H. (2019). Consumer attitude and intention to adopt mobile wallet in India–An empirical study. International Journal of Bank Marketing.
Das, K., Tamhane, T., Vatterott, Ben., Wibowo, P., & Wintels, S. (2018). The digital archipelago: How online commerce is driving Indonesia’s economic development.
https://www.mckinsey.com/featured-insights/asia-pacific/the-digital-archipelago-how-online-commerce-is-driving-indonesias-economic-development diunduh 2 Maret 2021.
Davis, F. D. (1989). Perceived usefulness, perceived ease of use, and user acceptance of information technology. MIS quarterly, 319-340.
Deb, M. and David, E.L. (2014), “An empirical examination of customers’ adoption of m-banking in India”, Marketing Intelligence & Planning, Vol. 32 No. 4, pp. 475-494.
de Luna, I. R., Liébana-Cabanillas, F., Sánchez-Fernández, J., & Muñoz-Leiva, F. (2019). Mobile payment is not all the same: The adoption of mobile payment systems depending on the technology applied. Technological Forecasting and Social Change, 146, 931-944.
Gao, L., & Waechter, K. A. (2015). Examining the role of initial trust in user adoption of mobile payment services: an empirical investigation. Information Systems Frontiers, 19(3), 525-548.
Ghozali, I., & Fuad. (2014). Structural Equation Modeling: Teori, Konsep dan Aplikasi dengan Program LISREL 9.10 (4th ed.). Semarang: Badan Penerbit Universitas Diponegoro.
Ghozali, I. & Fuad. (2018). Structural Equation Modeling: Teori, Konsep, dan Aplikasi Dengan Program Lisrel 8.80. Semarang: Badan Penerbit Universitas Diponegoro.
Hair, J.F., Black, W.C., Babin, B,J., & Andersen, R.E. (2006). Multivariate Data Analysis. New Jersey: Pearson Education. pp. 373
Junadi, & Sfenrianto. (2015). A Model of Factors Influencing Consumer’s Intention To Use E-payment System in Indonesia. Procedia Computer Science, 59, 214–220.
Laukkanen, T. and Kiviniemi, V. (2010), "The role of information in mobile banking resistance", International Journal of Bank Marketing, Vol. 28 No. 5, pp. 372-388.
Lee, M.-C. (2009), “Factors influencing the adoption of internet banking: an integration of TAM and TPB with perceived risk and perceived benefit”, Electronic Commerce Research and Applications, Vol. 8 No. 3, pp. 130-141.
Lee, K.-W., Tsai, M.-T., & Lanting, M. C. L. (2011). From marketplace to marketspace: Investigating the consumer switch to online banking. Electronic Commerce Research and Applications, 10(1), 115–125. doi:10.1016/j.elerap.2010.08.005
Li, Y. (2018). The strategic decision on mobile payment: a study on Merchant’s adoption. Proc. 24th Americas Conference on Information Systems (AMCIS). New Orleans, LA, EEUU. pp.1-4.
Liébana-Cabanillas, F., Sánchez-Fernández, J., & Muñoz-Leiva, F. (2014). Antecedents of the adoption of the new mobile payment systems: The moderating effect of age. Computers in Human Behavior, 35, 464-478.
Lin, H.-F. (2011), “An empirical investigation of mobile banking adoption: the effect of innovation attributes and knowledge-based trust”, International Journal of Information Management, Vol. 31 No. 3, pp. 252-260.
Mulyana, A., & Wijaya, H. (2018). Perancangan E-Payment System pada E-Wallet Menggunakan Kode QR Berbasis Android. Komputika: Jurnal Sistem Komputer, 7(2), 63-69.
Nugroho, Y., & Samudera, I. (July, 2018). All eyes on e-money: The race to reach 180M unbanked Indonesians | Think With Google. Diakses pada March 29, 2020, from https://www.thinkwithgoogle.com/intl/en-apac/tools-resources/research-studies/all-eyes-e-money-race-reach-180m-unbanked-indonesians/ Pukul 19:24
Schierz, P. G., Schilke, O., & Wirtz, B. W. (2010). Understanding consumer acceptance of mobile payment services: An empirical analysis. Electronic commerce research and applications, 9(3), 209-216.
Schneider, G. P. (2011). Electronic Commerce (9th ed.). Boston: Course Technology, CENGAGE Learning.
Shaw, N. (2014). The mediating influence of trust in the adoption of the mobile wallet. Journal of Retailing and Consumer Services, 21(4), 449–459
Shin, D.-H. (2010). Modeling the interaction of users and mobile payment system: conceptual framework. International Journal of Human-Computer Interaction, 26(10), 917–940.
Singh, N., Sinha, N., & Liébana-Cabanillas, F. J. (2020). Determining factors in the adoption and recommendation of mobile wallet services in India: Analysis of the effect of innovativeness, stress to use and social influence. International Journal of Information Management, 50, 191-205.
Taheam K, Sharma R, Goswami S (2016) Drivers of Digital Wallet Usage: Implications for Leveraging Digital Marketing. International Journal of Economic Research 13: 175-186.
Teo, T.S.H. and Pok, S.H. (2003), “Adoption of WAP-enabled mobile phones among internet users”, Omega, Vol. 31 No. 6, pp. 483-498.
Wadhera T., Dabas R., & Malhotra P., (2017), Adoption of M-Wallet: A way Ahead,"International Journal of Engineering and Management Research (IJEMR)", 7(4).
Yadav, P. (2017). Active determinants for adoption of mobile wallet. I-manager’s Journal on Management, 12(1), 7-14.
Yousafzai, S.Y., Foxall, G.R. and Pallister, J.G. (2010), “Explaining internet banking behavior: theory of reasoned action. Theory of planned behavior, or technology acceptance model?”, Journal of Applied Social Psychology, Vol. 40 No. 5, pp. 1172-1202.
Yousafzai, S.Y., Pallister, J.G. and Foxal, G.R. (2003), “A proposed model of e-trust for electronic banking”, Technovation, Vol. 23 No. 11, pp. 847-860
Unduhan
Diterbitkan
Terbitan
Bagian
Lisensi
Authors who publish with this journal agree to the following terms:
Authors retain copyright and grant the journal right of first publication with the work simultaneously licensed under a Creative Commons Attribution-NonCommercial-ShareAlike License that allows others to share the work with an acknowledgement of the work's authorship and initial publication in this journal.
Authors are able to enter into separate, additional contractual arrangements for the non-exclusive distribution of the journal's published version of the work (e.g., post it to an institutional repository or publish it in a book), with an acknowledgement of its initial publication in this journal.
Authors are permitted and encouraged to post their work online (e.g., in institutional repositories or on their website) prior to and during the submission process, as it can lead to productive exchanges, as well as earlier and greater citation of published work (See the Effect of Open Access).
