scholarly journals Technology Acceptance of Financial Technology (Fintech) for Payment Services Among Employed Fresh Graduates

2021 ◽  
Vol 16 (2) ◽  
pp. 27-58
Author(s):  
Shamsurin Ahmad ◽  
◽  
Sharina Tajul Urus ◽  
Sharifah Nazatul Faiza Syed Mustapha Nazri ◽  
◽  
...  

The Fourth Industrial Revolution (IR 4.0), which is complementary to the technological revolution, has given birth to Financial Technology (Fintech). Numerous advantages are offered by Fintech, yet the adoption rate is still low. This is especially from the employed fresh graduates’ perspectives that are regarded as the computer literate and IT savvy’s group. This research aims to examine the factors that affect the technology acceptance of Fintech payment services. The research attempts to measure the relationships between performance expectancy, effort expectancy, social influence, facilitating condition and consumers’ trust with the adoption of Fintech. Based upon the Unified Theory of Acceptance and Use of Technology (UTAUT), the quantitative method was employed via online survey of 179 respondents. The result showed that consumers’ trust had the highest impact on the adoption of Fintech payment services, followed by performance expectancy and effort expectancy. In contrast, facilitating conditions and social influence showed an insignificant relationship with the adoption of Fintech payment services. This finding would enhance the awareness for people to become more open towards the acceptance of Fintech for their daily transactions. Fintech companies are expected to develop into more secure services and design better products in becoming a cashless society. Keywords: UTAUT, consumers’ trust, financial technology, Fintech, Fintech payment services adoption, employed fresh graduates

2020 ◽  
Vol 1 (1) ◽  
pp. 85-95
Author(s):  
Nadiyah Hidayati ◽  
Yudi Ramdhani

Abstrak Objektif. Aplikasi Gojek merupakan aplikasi berbasis android yang menjadi pintu masuk bagi pelanggan untuk mendapatkan layanan yang disediakan PT Gojek Indonesia. Penelitian ini dilakukan untuk menganalisa faktor-faktor yang mempengaruhi penerimaan dan penggunaan aplikasi Gojek menggunakan model Unified Theory of Acceptance and Use of Technology (UTAUT) dengan 4 variabel bebas dan 1 variabel terikat yaitu ekspektasi kinerja, ekspektasi usaha, faktor sosial, kondisi-kondisi pemfasilitasi, dan niat perilaku. Penelitian ini dilakukan terhadap 100 responden pengguna aplikasi Gojek  pada SMK MVP Ars Internasional. Material and Metode. Model UTAUT digunakan untuk mengetahui tingkat keberhasilan penerimaan aplikasi Gojek agar dapat diterima oleh masyarakat. Metode pengolahan data yang digunakan adalah regresi linear berganda yang menggunakan software SPSS 22. Hasil. Dari pengolahan data tersebut didapatkan hasil bahwa variabel ekspektasi kinerja, ekspektasi usaha, faktor sosial dan kondisi-kondisi pemfasilitasi memiliki nilai korelasi sebesar 0,867 terhadap niat perilaku, artinya antara variabel independen dan dependen dalam penelitian ini memiliki hubungan yang sangat kuat, nilai R Square (R2) sebesar 75,2% sedangkan sisanya dipengaruhi variabel lain. Kesimpulan. Dengan demikian dapat disimpulkan bahwa secara simultan, variabel ekspektasi kinerja, ekspektasi usaha, faktor sosial, dan kondisi-kondisi pemfasilitasi berpengaruh secara positif dan signifikan terhadap niat perilaku aplikasi Gojek. Sedangkan secara parsial, hanya variabel ekspektasi kinerja dan faktor sosial yang memiliki pengaruh positif dan signifikan terhadap niat perilaku aplikasi Gojek. Sedangkan variabel ekspektasi usaha dan kondisi-kondisi pemfasilitasi tidak memiliki pengaruh positif dan signifikan terhadap niat perilaku dalam menggunakan aplikasi Gojek. Abstrack Objective. Gojek application is an android-based application that is the entrance for customers to get the services provided PT Gojek Indonesia. This study was conducted to analyze the factors that influence the acceptance of Gojek applications using the UTAU) method with 4 independent variables and 1 dependent variable namely Performance Expectancy, Effort Expectancy, Social Influence, Facilitating Conditions, and Behavioral Intention. This research was conducted on 100 respondents of the Gojek application SMK MVP Ars International. Materials and Methods. The UTAUT model is used to determine the level of success in accepting Gojek applications to be accepted by the community. The data processing method used is multiple linear regression using SPSS 22 software. Results From the data processing, the results show that the variables of performance expectancy, effort expectancy, social influence, and facilitating conditions have a correlation value of 0,867 to behavioral intention, meaning between independent and dependent variables in this study has a strong relationship, the value of R Square (R2) of 75,2% while the rest is influenced by other variables. Conclusion. Thus it can be concluded that simultaneously, the variable performance expectancy, effort expectancy, social influence, and facilitating conditions positively and significantly affect the behavioral intention of Gojek applications. While partially, only the performance expectancy and social influence variables that have a positive and significant influence on the behavioral intention of Gojek application. While the effort expectancy and facilitating conditions variable does not have a positive and significant influence on Behavioral Intentionin using the Gojek application.


Author(s):  
Nita Rianadewi ◽  
Dewa Gede Hendra Divayana ◽  
I Made Ardwi Pradnyana

Sistem Informasi Perpustakaan dan Arsip (SIPA) adalah sebuah website yang dikembangkan oleh perpustakaan daerah di kabupaten Buleleng sebagai alternative dalam mendukung pengelolaan dan mempermudah pengguna. Penelitian ini bertujuan untuk menganalisis pemanfaatan Sistem Informasi Perpustakaan dan Arsip (SIPA) di Kabupaten Buleleng dengan berdasarkan menggunakan Model Unified Theory Of Acceptance and Use Of Technology (UTAUT) dengan menggunakan empat variabel bebas yakni  performance expectancy,  effort expectancy, social influence dan  facilitating conditions sebagai variable bebas dengan  behavioral intention dan use behavior sebagai variable terikat dan variable moderator Age, Gender dan experience. Variabel Ekpektansi Kinerja dan variabel Ekspektasi usaha tidak berpengaruh positif terhadap  minat penggunaan Sistem Informasi Perpustakaan. Pengaruh sosial berpengaruh positif terhadap minat penggunaan, Kondisi yang memfasilitasi berpengaruh positif terhadap perilaku penggunaan Sistem Informasi Perpustakaan, Variabel moderator jenis kelamin tidak memperkuat hubungan antara ekspektasi kinerja, ekspektansi usaha dan pengaruh sosial terhadap minat penggunaan Sistem Informasi Perpustakaan. Variabel moderator umur tidak memperkuat hubungan antara ekspektasi kinerja, ekspektansi usaha dan pengaruh sosial dengan minat penggunaan.Variabel moderator  umur  memperkuat hubungan antara  kondisi yang memfasilitasi  dengan  perilaku pengguna, variable moderator pengalaman memperkuat hubungan antara pengaruh sosial terhadap minat penggunaan Sistem Informasi Perpustakaan, variable moderator pengalaman memperkuat hubungan antara kondisi yang memfasilitasi terhadap perilaku pengguna Sistem Informasi Perpustakaan.  Kata Kunci :  Sistem Informasi Perpustakaan,  Ekspektansi Kinerja, Ekspektansi Usaha, Pengaruh Sosial, Kondisi Pemfasilitasi, Minat Penggunaan,  Perilaku pengguna, UTAUT


2021 ◽  
Vol 15 (2) ◽  
pp. 1
Author(s):  
Geraldo James Sahertian ◽  
Addin Aditya ◽  
Siti Aminah

Penggunaan telepon pintar atau smartphone di Indonesia, dan di dukung oleh kemajuan teknologi informasi yang semakin pesat, berkembanglah transportasi  berbasis online atau biasa disebut ojek online. Ojek online  memberikan akses kemudahan bagi masyarakat dan pelajar yang menggunakan aplikasi tersebut, dengan melakukan transaksi pemesanan melalui aplikasi maka ojek tersebut akan datang. Namun berdasarkan informasi dari TribunJatim News yang di dapatkan bahwa ojek online mengalami kenaikan yang cukup signifikan, yang membuat sebagian masyarakat khususnya kalangan pelajar mengeluh akan kebijakan tarif yang diberlakukan mulai Agustus 2019, maka dari itu diperlukan adanya analisis untuk melihat bagaimana kalangan pelajar menerima dan menggunakan layanan transportasi online tersebut. Penelitian ini bertujuan untuk mengetahui bagaimana penerimaan dan penggunaan terhadap layanan transportasi online GOJEK, di kalangan pelajar SMA Kecamatan Blimbing Kabupaten Malang Jumlah sampel yang diambil sebanyak 160. Penelitian ini menggunakan model Unified Theory Of Acceptance and use of Technology (UTAUT) dengan variabel behavioral intention dan use behavior sebagai variabel dependen dan menggunakan variabel indenpenden yaitu performance excpectancy, effort expectancy, social influence, dan facilitating conditions. Metode yang digunakan pada penelitian ini dengan penyebaran kuesioner menggunakan teknik sampling purposive sampling. Untuk pengelohan data, menggunakan program SPSS untuk menguji instrument penelitian dan model penelitian. Hasil yang didapatkan dari penelitian ini adalah penerimaan dan penggunaan dikalangan pelajar terhadap layanan terhadap layanan transportasi online dipengaruhi oleh faktor social influence, facilitating conditions, behavioral intention, use behavior, sedangkan faktor performance expectancy dan effort excpectancy tidak menggunakan layanan transportasi online. The use of smartphones or smartphones in Indonesia, and supported by increasingly rapid advances in information technology, has developed-based transportation online or commonly known as motorcycle taxis  online. taxis Online provide easy access for people and students who use the application, motorcycle by making an order transaction through the application, the ojek will come. However, based on information from TribunJatim News, it was obtained that motorcycle taxis online have increased quite significantly, which made some people, especially students complain about the tariff policy that was implemented starting in August 2019, therefore an analysis is needed to see how students receive and use the service.transportation online . This study aims to determine how the acceptance and use of transportation services online GOJEK, among high school students in Blimbing District, Malang Regency. The number of samples taken is 160. This study uses the Unified Theory of Acceptance and use of Technology (UTAUT) model with variables. behavioral intention and  use behavior as the dependent variable and using independent variables, namely performance expectancy, effort expectancy, social influence, and facilitating conditions. The method used in this study by distributing questionnaires using purposive sampling technique. For data collection, use the SPSS program to test research instruments and research models. The results obtained from this study are that acceptance and use among students of transportation services is online influenced by social influences, facilitating conditions, behavioral intention, use behavior, while performance expectancy expectancy and  effort factors do not use transportation services online.


Author(s):  
Suci Indah Kemala Dewi ◽  
Denny Kurniadi ◽  
Titi Sriwahyuni

Padang state university is one of the universities that provide the academicians with information system in order to make them easier when looking for information that they need. One of the information systems is online learning evaluation system. The aim of this research is examining some factors that impacting the acceptance and the usage of online learning evaluation system interest by using Venkatesh's model (2003) that is Unified Theory of Acceptance and Use of Technology (UTAUT). Variables that used are: performance expectancy, effort expectancy, social influence, facilitating condition and hedonic motivation. The result of the data analysis shows that the variables of performance expectancy, effort expectancy, social influence, facilitating conditions and hedonic motivation together have a significant effect of 67% on the interest of acceptance and use of Online Learning Evaluation Information System at State University of Padang. So it can be concluded that the factors of performance expectancy, effort expectancy, social influence, facilitating conditions and hedonic motivation have contributed to the interest of acceptance and use of the system. If each variable has a higher correlation it will increase the acceptance of Information Systems Online Learning Evaluation at State University of Padang.Keywords: Unified Theory Of Acceptance And Use Of Technology (UTAUT), performance Expectancy, Effort Ecpectancy, Social Influence, Facilitating Conditions, Hedonic Motivation, Online Learning Evaluation


Author(s):  
Syzca Taqwatika ◽  
Ketut Agustini ◽  
P.Wayan Arta Suyasa

ABSTRAKTujuan dari penelitian ini adalah untuk mengetahui bagaimana penerimaan pengguna terhadap sistem Pembelajaran Online Edmodo sehingga pengembangan sistem layak dilaksanakan. Salah satu pendekatan teori penerimaan dan penggunaan terhadap suatu teknologi yaitu Unified Theory Of Acceptance And Use Of Technology (UTAUT). UTAUT merupakan salah satu model penerimaan teknologi yang dikembangkan oleh Vankatesh, et al. (2003) dengan menggabungkan delapan teori penerimaan teknologi sebelumnya. UTAUT memiliki empat konstruk utama yaitu 1) performance expectancy, 2) effort expectancy, 3) social influence, dan 4) facilitating conditions. Penelitian ini selanjutnya akan menjelaskan tentang hubungan faktor-faktor yang mempengaruhi penerimaan dan penggunaan sistem Pembelajaran Online Edmodo menggunakan model UTAUT. Data diperoleh dengan cara menyebarkan kuesioner tertutup kepada siswa dan wawancara bersama guru dan siswa. Besar sampel pada penelitian ini berjumlah 72 siswa, setalah menyebarkan kuisioner data lalu dianalisis menggunakan Smart PLS Hasil penelitian ini menunjukkan bahwa Variabel Ekpektansi Kinerja berpengaruh positif terhadap minat penggunaan  Sedangkan variabel Ekspektasi usaha dan Pengaruh Sosial  tidak berpengaruh positif terhadap  minat penggunaan Sistem Pembelajaran Online Edmodo. Kondisi yang memfasilitasi berpengaruh positif terhadap perilaku penggunaan Sistem Pembelajaran Online Edmodo. Kata kunci :Pembelajaran Online Edmodo,Siswa, Unified Theory Of Acceptance And Use Of Technology (UTAUT),


2016 ◽  
Vol 1 (1) ◽  
pp. 50
Author(s):  
Wahyu Meiranto

The purpose of this research is to analyze factors that influence behaviour intention to use technology information system and use behaviour technology information system using UTAUT (unified theory of acceptance and use of technology). That factors are performance expectancy,effort expectancy, perceived of credibility, social influence, and facilitating condition and moderated by age, gender and experience. Sample of this research is investment using services community (M-Dinar) through internet. One hundred and twenty four respondents using M-Dinar had participated in this research. The collecting data used a questionnaire survey that posted at facebook and sent it via electronic-mail. Data were analyzed using a Moderated Regression Analysis (MRA). The result showed only social influence that effecting behaviour intention to use M-Dinar technology significant. The other factors aren’t have significant influence to behavoiur intention to use M-Dinar technology.


2021 ◽  
Vol 12 (1) ◽  
pp. 68-76
Author(s):  
Sri widiyanti Sri widiyanti ◽  
Ina Sholihah Widiati

Penelitian ini membahas tentang implementasi dan pengujian sistem presensi siswa. Kehadiran siswa atau presensi di Lembaga Keterampilan dan Pelatihan (LKP) merupakan hal yang sangat utama, hal tersebut dilakukan karena untuk mengetahui kehadiran siswa dan keperluan manajemen lembaga. Masalah yang terjadi di sistem yang telah berjalan saat ini, persiapan sebelum memulai pembelajaran pengajar harus mengambil lembar presensi dan mengembalikan lagi ke bagian administrasi jika sudah selesai, serta  pelaksanaan presensi masih dilakukan secara manual sehingga rawan terjadi manipulasi. Penyelesaian terhadap permasalahan tersebut yaitu dengan membuat sistem presensi yang terhubung langsung dengan perangkat pintar berbasis android, sehingga akan mempermudah dalam presensi dan setiap siswa juga sudah mempunyai perangkat tersebut. Untuk membaca data siswa, sistem ini dibuat dengan menggunakan QR code karena unutk melakukan presensi dibutuhkan waktu sekitar 15 detik/kartu. Kartu siswa yang terdapat QR code di scan pada aplikasi android pada penyedia scan untuk melakakukan presensi. Hasil dari sistem ini dapat mempermudah dalam melakukan presensi, pengolahan data siswa oleh instruktur, dan kemudahan laporan di bagian administrasi . Hasil dari implementasi ini diujikan oleh peserta didik atau siswa dengan menggunkana metode action research dan pengisian kuesioner melalui google form. Hasil pengolahan kuesioner menggunakan model penerimaan Unified Theory of Acceptance and Use of Technology (UTAUT). Hasilnya dari kelima varibel UTAUT yaitu  Performance Expectancy, Effort Expectancy, Social Influence, Facilitating Conditions, dan Habbit mendapatkan hasil yang positif dan signifikan. Abstract  This study discusses the implementation and testing of the student attendance system. The presence of students or attendance at the Skills and Training Institute (LKP) is very important, this is done because it is to determine student attendance and the needs of institutional management. Problems that occur in the current system, preparation before starting learning, the teacher must take the attendance sheet and return it to the administration when it is finished, and the implementation of attendance is still done manually so that it is prone to manipulation. The solution to this problem is by creating a presence system that is directly connected to an Android-based smart device, so that it will make it easier to attend and every student already has this device. To read student data, this system is built using a QR code because it takes about 15 seconds per card to attend. Student cards that contain a QR code are scanned on the android application on the scan provider to make attendance. The results of this system can make it easier to make presence, processing student data by the instructor, and ease reports in the administration section. The results of this implementation were tested by students using the action research method and filling out a questionnaire via google form. The results of the questionnaire processing use the Unified Theory of Acceptance and Use of Technology (UTAUT) acceptance model. The results of the five UTAUT variables, namely Performance Expectancy, Effort Expectancy, Social Influence, Facilitating Conditions, and Habbit got positive and significant results.


2020 ◽  
Author(s):  
Dong Yang Meier ◽  
Petra Barthelmess ◽  
Wei Sun ◽  
Florian Liberatore

BACKGROUND The advancement of wearable devices and growing demand of consumers to monitor their own health have influenced the medical industry. Health care providers, insurers, and global technology companies intend to develop more wearable devices incorporating medical technology and to target consumers worldwide. However, acceptance of these devices varies considerably among consumers of different cultural backgrounds. Consumer willingness to use health care wearables is influenced by multiple factors that are of varying importance in various cultures. However, there is insufficient knowledge of the extent to which social and cultural factors affect wearable technology acceptance in health care. OBJECTIVE The aims of this study were to examine the influential factors on the intention to adopt health care wearables, and the differences in the underlying motives and usage barriers between Chinese and Swiss consumers. METHODS A new model for acceptance of health care wearables was conceptualized by incorporating predictors of different theories such as technology acceptance, health behavior, and privacy calculus based on an existing framework. To verify the model, a web-based survey in both the Chinese and German languages was conducted in China and Switzerland, resulting in 201 valid Chinese and 110 valid Swiss respondents. A multigroup partial least squares path analysis was applied to the survey data. RESULTS Performance expectancy (β=.361, <i>P</i>&lt;.001), social influence (β=.475, <i>P</i>&lt;.001), and hedonic motivation (β=.111, <i>P</i>=.01) all positively affected the behavioral intention of consumers to adopt wearables, whereas effort expectancy, functional congruence, health consciousness, and perceived privacy risk did not demonstrate a significant impact on behavioral intention. The group-specific path coefficients indicated health consciousness (β=.150, <i>P=</i>.01) as a factor positively affecting only the behavior intention of the Chinese respondents, whereas the factors affecting only the behavioral intention of the Swiss respondents proved to be effort expectancy (β=.165, <i>P</i>=.02) and hedonic motivation (β=.212, <i>P</i>=.02). Performance expectancy asserted more of an influence on the behavioral intention of the Swiss (β=.426, <i>P</i>&lt;.001) than the Chinese (β=.271, <i>P</i>&lt;.001) respondents, whereas social influence had a greater influence on the behavioral intention of the Chinese (β=.321, <i>P</i>&lt;.001) than the Swiss (β=.217, <i>P</i>=.004) respondents. Overall, the Chinese consumers displayed considerably higher behavioral intention (<i>P</i>&lt;.001) than the Swiss. These discrepancies are explained by differences in national culture. CONCLUSIONS This is one of the first studies to investigate consumers’ intention to adopt wearables from a cross-cultural perspective. This provides a theoretical and methodological foundation for future research, as well as practical implications for global vendors and insurers developing and promoting health care wearables with appropriate features in different countries. The testimonials and support by physicians, evidence of measurement accuracy, and easy handling of health care wearables would be useful in promoting the acceptance of wearables in Switzerland. The opinions of in-group members, involvement of employers, and multifunctional apps providing credible health care advice and solutions in cooperation with health care institutions would increase acceptance among the Chinese.


2020 ◽  
Vol 8 (1) ◽  
pp. 27
Author(s):  
Siti Aulia Rahmaniah

E-commerce di Indonesia sudah semakin berkembang, tidak menutup kemungkinan bahwa sektor pertanian turut serta dalam digitalisasi bisnis tersebut, salah satunya dengan keberadaan e-commerce agribisnis yang saat ini sudah mulai berkembang sejak adanya program pemerintah tentang sinergi aksi untuk ekonomi rakyat pada tahun 2015. Penelitian ini dilakukan untuk mengetahui tingkat penerimaan ibu rumah tangga dalam menerima e-commerce agribisnis dengan menerapkan model UTAUT (Unified Theory of Acceptance and Use of Technology). Metode penelitian yang digunakan kuantitatif dengan teknik analisis data menggunakan PLS (Partial Least Square). Responden penelitian sebanyak 99 ibu rumah tangga Kelurahan Sumur Batu, Kecamatan Bantar Gebang, Kota Bekasi. Teknik penentuan responden menggunakan simple random sampling. Hasil penelitian menunjukkan bahwa ibu rumah tangga di Kelurahan Sumur Batu belum menyadari akan keberadaan e-commerce agrbisnis namun bisa bersikap positif dan menerima. Variabel Behavioral Intention (minat penggunaan) dipengaruhi oleh variabel Performance Expectancy (19,7%), Social Influence (22,4%), dan Facilitating Condition (36,7%). Sedangkan variabel Effort Expectancy tidak memiliki pengaruh yang signifikan namun berpengaruh positif terhadap minat penggunaan.


2021 ◽  
Author(s):  
Monizaihasra Mohamed ◽  
◽  
N Alia Fahada W Ab Rahman ◽  
Farizah Sulong ◽  
◽  
...  

The goal of this study is to investigate the underlying factors that influence an employees’ decision to use robots at work. The Unified Theory of Acceptance and Use of Technology (UTAUT) was used in this study. This theory assumes that people’s actual behaviour and willingness to utilise technology is influenced by four underlying elements, namely performance expectancy (PE), effort expectancy (EE), social influence (SI) and facilitating conditions (FC). Based on this assumption, the specific objective of this study is to investigate the relationship between these factors and a fast-food restaurants employees’ intent to use robots at work. The role of gender as a moderator in each of these interactions was also considered in this study. Based on data acquired from an online survey, the stated hypotheses were tested using the Partial Least Square (PLS) approach. The findings revealed that performance expectancy and social influence enhances an employees’ intention to use robots at work. It also showed that there was no moderation effect in the proposed model. This study presents empirical facts and direction to managers in the fast-food industry in Malaysia, researchers and practitioners regarding the adoption of robots or technology-based services at work. Theoretical advances as well as prospective research directions are also explored.


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