scholarly journals The Effects of Perceived Ease of Use, Security, and Promotion on Trust and Its Implications on Fintech Adoption

2020 ◽  
Vol 5 (2) ◽  
pp. 124-138
Author(s):  
Meryl Astin Nangin ◽  
Irma Rasita Gloria Barus ◽  
Soegeng Wahyoedi
Keyword(s):  
Structural Equation ◽  
New Technologies ◽  
Ease Of Use ◽  
Partial Least Square ◽  
Least Square ◽  
Equation Modeling ◽  
Security Threats ◽  
Perceived Ease Of Use ◽  
Application Security ◽  
Customer Trust

The advancement of mobile devices and their usage has increased the uptake of fintech innovation. These new technologies should provide ease of use and give advantages to their customers. On the other side, mobile application security threats have increased tremendously and have become a great challenge for both users, in this case, as customers, and fintech innovators. Meanwhile, service should be promoted to the customers to establish fintech's brand to society. This research empirically examined the components affecting the expectations of users to adopt fintech. By collecting 100 samples who have already used a couple of brands of Fintech and Sakuku as their payment method, and by utilizing Structural Equation Modeling- Partial Least Square (SEM-PLS) as the technique of analysis, the empirical results definitely confirmed that perceived ease of use (PEOU) and promotion positively and significantly affected the customer trust. Meanwhile, security did not significantly affect trust. The finding also implied that in order to increase the fintech adoption rate, customer trust should be built.

scholarly journals Pemanfaatan Website Direktorat Jenderal Pajak Oleh Akuntan Pemerintah Di Kalimantan Timur

2014 ◽  
Vol 5 (2) ◽  
pp. 168
Author(s):  
Muhammad Subhan ◽  
Abdul Gafur
Keyword(s):  
Information Technology ◽  
Significant Relationship ◽  
Structural Equation ◽  
Sampling Technique ◽  
Ease Of Use ◽  
Partial Least Square ◽  
Perceived Usefulness ◽  
Least Square ◽  
Equation Modeling ◽  
Perceived Ease Of Use

AbstractThis research aimed to examine the effect ofperceived usefulness variable, perceived ease of use variable and psychological attachment variable to attitude inusing information technology. Attitude will influence the behavior specifically inutilizing information technology concern shown bythe behavior. Data was obtained through the questionnaire survey with a purposely sampling technique with the criteria, accountants who utilize tax website that www.pajak.go.id in performing their work. Accountants who are being sample do f this study is accountant who are in government organizations. Analysis of the data in this research uses Structural Equation Modeling (SEM) with an alternative method of PLS (Partial Least Square) which is assisted with the application program Smart PLS. Based onthe results of the research be concluded that 1) there is no significant relationship between perceived usefulness and attitude variables in the utilizationof taxwebsite (www.pajak.go.id.); 2) there is asignificant relationship between the variables of perceived ease of use and attitude in the use of website taxation (www.pajak.go.id); 3) there is no significant relationship between the variables of psychological attachment and attitude in the utilization of tax website(www.pajak.go.id); 4) there is asignificant relationship between attitude and behavior variables intention to use the website taxation (www.pajak.go.id).Key Words: perceived usefulness, perceived ease of use, psychologicalattachment, attitude, behavior intention.

scholarly journals The Influence of Perceived Ease of Use on the Intention to Use Mobile Payment

2020 ◽  
Vol 3 (1) ◽  
pp. 18-32 ◽  
Author(s):  
Maggie Setiawan ◽  
Christina Yanita Setyawati
Keyword(s):  
Structural Equation ◽  
Payment System ◽  
Ease Of Use ◽  
Partial Least Square ◽  
Least Square ◽  
Equation Modeling ◽  
Mobile Payment ◽  
Intention To Use ◽  
Perceived Ease Of Use ◽  
Acceptance Model

The purpose of this research is to find out the influence of perceived ease of use, perceived ease of use, and attitude toward using on the intention to use mobile payment and the influence of perceived ease of use on the intention to use mobile payment through attitude toward using as mediation variable for traders at Taman Puspa Raya (TPR) market. Taman Puspa Raya Market (TPR) is used as an object in this research because there is a shift of payment system to the traders at the TPR market that causes the traders to have similarities in using fintech as payment system alternative. This research uses a quantitative method. The population in this research is 168 traders at the TPR market that using mobile payment as a payment alternative. The number of samples in this research is 45 respondents, and the response rate in is 100%. In this research, data analysis is done by Structural Equation Modeling Partial Least Square (SEM-PLS). The results of this research indicate that all hypotheses are accepted. These results indicate another support evidence for the theory of acceptance model (TAM). A suggestion to future researchers is to get closer to the traders before the study is made so that traders will be more proactive and willing to help in the process of filling out the questionnaire so that the data obtained is not biased. Suggestion for traders is traders can be more careful and double-check existing transactions by ensuring that the transaction is successful and there is a notification on the merchant's cellphone.

scholarly journals ANALYZING ACTUAL E-FILING USAGE AMONG TAXPAYERS BASED ON TECHNOLOGY ACCEPTANCE MODEL

2021 ◽  
Vol 4 (2) ◽  
pp. 128-137
Author(s):  
Ita Salsalina Lingga ◽  
Verani - Carolina ◽  
Vinny Stephanie Hidayat ◽  
Wayan Feri Permana
Keyword(s):  
Technology Acceptance ◽  
Technology Acceptance Model ◽  
Structural Equation ◽  
Ease Of Use ◽  
Partial Least Square ◽  
Least Square ◽  
Equation Modeling ◽  
Perceived Ease Of Use ◽  
Acceptance Model ◽  
Tax Reporting

This research focuses on examining factors that affect taxpayer’s intention to use e-filing in tax reporting based on Technology Acceptance Model (TAM).It analyzes behavioral attitudes factor that affect behavioral intention towarde-filing use and its impact on actual e-filing usage. Analysis of data uses Partial Least Square (PLS) of Structural Equation Modeling (SEM). The analysis unit in this research consists of lecturers from state and private universities in Indonesia, where questionnaires are used to collect primary data. This research findings show that perceived ease of use and perceived usefulnessaffect taxpayers’ willingness to use e-filing which in turn affects the actual e-filing usage. The result of this study is intended to resolve the issue of low taxpayer’s intention toward e-filing use in tax reporting.

scholarly journals The Role of Religiosity in Explaining the Intention to use Islamic FinTech Among MSME Actors

2021 ◽  
Vol 4 (2) ◽  
Author(s):  
Rifaldi Majid
Keyword(s):  
Financial Services ◽  
Structural Equation ◽  
Ease Of Use ◽  
Partial Least Square ◽  
Perceived Usefulness ◽  
Least Square ◽  
Equation Modeling ◽  
Intention To Use ◽  
Perceived Ease Of Use

Islamic FinTech is growing rapidly and has become a new alternative of financing for micro, small, and medium enterprises (MSME) which are the backbone of the national economy. This study aims to examine the role of religiosity level of MSMEs actors on the intention to use Islamic FinTech. This research employed Partial Least Square - Structural Equation Modeling (PLS-SEM) method. The data collected using an online questionnaire adapted from previous research, then distributed to 100 Indonesian MSME actors and analyzed using smart PLS. The main result indicated religiosity plays a positively significant role in explaining the intention to use Islamic FinTech. In addition, Perceived Usefulness (PU), Perceived Ease of Use (PEOU), and Subjective Norm (SN) were also found to be influential, while both, Attitude Toward Behavior (ATB) and Perceived Behavioral Control (PBC), have no significant effect on behavioral intention. This research implicates the need for collaboration between the Financial Services Authority (OJK) as the regulator with Islamic FinTech institutions to improve literacy, providing incentives, strengthening consumer data protection, as well as integrating the values from the religious angle in the concept and practice of FinTech product and services that are based on Islamic guideline in order to attract the users from MSME actors.

scholarly journals ZISWAF Digital Payment as An Effort to Reach Millennials

2020 ◽  
Vol 11 (2) ◽  
pp. 183-210
Author(s):  
Fuad Hasyim ◽  
Muhammad Al-Farido Awwal ◽  
Nur Hidayah Al Amin
Keyword(s):  
Structural Equation ◽  
Subjective Norms ◽  
Ease Of Use ◽  
Partial Least Square ◽  
Perceived Usefulness ◽  
Least Square ◽  
Equation Modeling ◽  
Perceived Ease Of Use ◽  
Behavior Control ◽  
Perceived Behavior Control

Abstract: ZISWAF is an Islamic-led fundraising instrument aimed at wealth distribution. The existence of technological developments allows the adaptation of payments with all its acceleration. This study aims to determine the digital payment strategy to maximize ZISWAF’s revenue potential in Indonesia. This study uses the TAM, and TPB modification approaches. The methodology used is structural equation modeling (SEM) with a partial least square (PLS) approach. The sample used is the Y generation as a representation of the millennial generation. The results showed that all the variables forming the TAM theory (perceived usefulness, perceived ease of use, attitude) and all the variables creating the TPB theory (subjective norms and perceived behavior control) significantly affect the Intention (INT) of individuals pay for online ZISWAF (sig. 0.05, α=5%). Furthermore, attitude is a mediating variable in a partial/ quasi modification model that links perceived usefulness (PU), perceived ease of use (PEoU) to Intention (INT) (VAF=49.87%).Abstrak: ZISWAF adalah instrumen pengumpulan dana yang dipelopori Islam dengan tujuan untuk distribusi kekayaan. Adanya perkembangan teknologi memungkinkan adaptasi pembayaran dengan segala akselerasinya. Penelitian ini bertujuan untuk mengetahui strategi pembayaran digital untuk memaksimumkan potensi pendapatan ZISWAF di Indonesia. Penelitian ini menggunakan pendekatan modfikasi TAM dan TPB. Metodologi yang digunakan adalah structural equation modeling (SEM) dengan pendekatan partial least square (PLS). Sampel yang digunakan merupakan generasi Y sebagai representasi generasi milenial. Hasil menunjukkan seluruh variabel pembentuk teori TAM yakni perceived usefulness (PU), perceived ease of use (PEoU) dan attitude (ATT) dan seluruh variabel pembentuk teori TPB yakni subjective norms (SN) dan perceived behavior control (PBC) berpengaruh terhadap intention (INT) individu dalam membayar ZISWAF secara online (sig. 0.05, α=5%).  Attitude (ATT) merupakan variabel pemediasi dalam model modifikasi yang bersifat partial/ quasy yang menghubungkan perceived usefulness (PU), perceived ease of use (PEoU) terhadap intention (INT) (VAF=49.87%)

scholarly journals Students Acceptance of Google Classroom: An Exploratory Study using PLS-SEM Approach

2018 ◽  
Vol 13 (06) ◽  
pp. 112 ◽  
Author(s):  
Rana A. Saeed Al-Maroof ◽  
Mostafa Al-Emran
Keyword(s):  
Technology Acceptance ◽  
Structural Equation ◽  
Equation Model ◽  
Ease Of Use ◽  
Partial Least Square ◽  
Perceived Usefulness ◽  
Least Square ◽  
Perceived Ease Of Use ◽  
Online Questionnaire ◽  
Actual Usage

Google classroom can work in unidirectional process as it can serve the teachers’ strategies and styles on one hand and students’ perception, understanding, and effective participation in different classroom skills on the other hand. The ac-ceptance of Google classroom is affected by different factors. Some of them are still not clearly specified and discussed in previous research; therefore, they need further investigation. Based on the previous assumption, this study is an attempt to examine the factors that affect the students’ acceptance of Google classroom at Al Buraimi University College (BUC) in Oman. The Technology Acceptance Model (TAM) was adopted to formulate the hypotheses of the current study. The data was collected through an online questionnaire with 337 respondents. The Partial Least Square-Structural Equation Model (PLS-SEM) approach was used to assess both the measurement and structural models. The results of the study prove that both the perceived ease of use (PEOU) and perceived usefulness (PU) positively influence the behavioral intention, which in turn influence the actual usage of Google classrooms. This study helps the decision makers of the higher educational institutions to have a better understanding of the effectiveness of us-ing Google classroom by their students. It is assumed that it helps in measuring the level of students’ acceptance to the previously mentioned technology.

scholarly journals Factors Influencing Pre-service Teachers’ Satisfaction and Intention to Use the Internet: A Structural Equation Modeling

2021 ◽  
Vol 15 (02) ◽  
pp. 110
Author(s):  
Ali Sadikin ◽  
Akhmad Habibi ◽  
Erick Sanjaya ◽  
Dwi Candra Setiawan ◽  
Try Susanti ◽  
...  
Keyword(s):  
Structural Equation Modeling ◽  
Technology Acceptance ◽  
Structural Equation ◽  
Ease Of Use ◽  
Partial Least Square ◽  
Least Square ◽  
Equation Modeling ◽  
The Internet ◽  
Intention To Use ◽  
Factors Influencing

<p>In the age of digital era where the Internet is playing an important and dominant role, the concern of the higher education to ensure that the Internet within the reach of the students is very important. However, little research has been reported to indicate the success of the concern in Indonesia. Therefore, This study was conducted to assess factors influencing Indonesian PSTs’ satisfaction (ST) and intention to use (IU) the Internet for learning through technology acceptance model (TAM). Data was gathered from a total of 596 pre-service teachers (PSTs) from five universities in Indonesia. The measurement and assessment of the model were developed through a partial least square structural equation modeling (PLS-SEM). The results informed that Indonesian PSTs’ ST was strongly influenced by perceived ease of use (PEU) and IU. Besides, PSTs’ IU was predicted by Attitude (AT), PU and PEU.<em> </em></p>

scholarly journals Effect of eWOM, Ease of Use, Trust on Purchase Decision (Case Study on Blibli.com)

2021 ◽  
Vol 12 (3) ◽  
pp. 446
Author(s):  
Vivian Angel ◽  
Moses Natadirja
Keyword(s):  
Structural Equation ◽  
Sampling Technique ◽  
Sem Analysis ◽  
Ease Of Use ◽  
Partial Least Square ◽  
Least Square ◽  
Equation Modeling ◽  
Purchase Decisions ◽  
Positive Effect

<div class="WordSection1"><p><em>The purpose of this study was to determine: 1) Whether eWOM has a positive effect on purchase decisions, 2) Does Ease of Use have a positive effect on purchase decisions, 3) Does trust have a positive effect on purchase decisions. Data collection in this study was carried out using a questionnaire distributed online to Blibli users. The number of respondents used in this study is 100 respondents. The sampling technique used in this study is non-probability sampling by relying on judgmental sampling. Partial least square-structural equation modeling (PLS-SEM) analysis was performed using the SmartPLS 3.0 program to analyze the data. The findings of this study are that eWOM, Ease of Use and Trust have a positive effect on purchase decisions. The contribution of this research can provide input to the Blibli company to better maintain and manage ease of use, trust and electronic word of mouth so that Blibli users can use Blibli more freely and comfortably so that transactions carried out in Blibli can run more smoothly and safely, which is then will give Blibli an advantage as a player in Internet-based transaction systems because it is a fast paced industries that can change in a matter of time.</em></p></div><em><br clear="all" /></em>

scholarly journals Indonesian young consumers’ intention to donate using sharia fintech

2021 ◽  
Vol 3 (1) ◽  
pp. 34-44
Author(s):  
Maulida Dwi Agustiningsih ◽  
Ravika Mutiara Savitrah ◽  
Putri Catur Ayu Lestari
Keyword(s):  
Ease Of Use ◽  
Partial Least Square ◽  
Perceived Usefulness ◽  
Least Square ◽  
Equation Modeling ◽  
Intention To Use ◽  
Young Generation ◽  
Perceived Ease Of Use ◽  
Young Consumers ◽  
The Ideal

Purpose: This research examines the effect of Perceived Ease of Use (PEOU), Perceived Usefulness (PU), religiosity, and company image on intention to use Sharia fintech for donation among Indonesian young consumers. Methodology: This study used a quantitative method with data collection techniques using an online questionnaire. Respondents filled out the questionnaire based on the Likert scale from 1 (strongly disagree) to 4 (strongly agree). The questionnaire was distributed and collected in less than one week, from 26th March 2021 to 29th March 2021. The ideal sample is five times higher than the number of indicators. The number of indicators is 20, so the ideal sample is 100 or more. This study has successfully collected 206 respondents. However, 13 respondents filled the same scale for all questions, so 193 is chosen as data analysis. The valid data were analyzed through Structural Equation Modeling Partial Least Square (SEM-PLS). Findings: This research shows the intention to use Sharia fintech to pay donations influenced by perceived usefulness (PU) and religiosity. In contrast, perceived ease of use (PEOU) and image are not positively related to the intention of using Sharia fintech for donation. Practical Implication: Religiosity and PU positively influence the interest in using Sharia fintech to pay donation. So, it is expected for fintech to comply with Sharia compliance and still comply with regulations from the OJK and DSN related to legality aspects. Furthermore, fintech startups and developers can build a more user-friendly application. Originality: This research is a replication-based model and is adapted from published research. The originality in this research is in the respondent who young generation. Intention to pay donation using fintech Sharia is the main focus to be researched. This primary focus has not been being researched beforehand.

scholarly journals ANALISIS PENERIMAAN APLIKASI PEMBELAJARAN ONLINE MENGGUNAKAN TECHNOLOGY ACCEPTANCE MODEL 3 DAN PARTIAL LEAST SQUARE STRUCTURAL EQUATION MODEL (PLS-SEM)

Factor M ◽  
2021 ◽  
Vol 3 (2) ◽  
Author(s):  
Jerhi Wahyu Fernanda ◽  
Noer Hidayah
Keyword(s):  
Behavioral Intention ◽  
Structural Equation ◽  
Ease Of Use ◽  
Partial Least Square ◽  
Perceived Usefulness ◽  
Least Square ◽  
Intention To Use ◽  
Perceived Ease Of Use ◽  
Actual System ◽  
Behavioral Intention To Use

This research aims to examine the factors that influence to the acceptance of the Google classroom (GC) application in online learning. Conceptual model to assess acceptance of a technology use the Technology accept model (TAM) 3 model. TAM 3 is a development of the TAM model by adding the Perceived Ease of Use dimension which can be used to predict and explain behavior that encourages the use of technology cause that is always experiencing development. The statistical analysis used is the Partial Least Square Structural Equation Model. The data obtained are primary data. It has obtained from questionnaires distributed via google forms. The sample are 150 respondents. This research used simple random sampling technique with criteria that must be fulfilled. The variable consists of 4 latent variables, consist of Perceived Ease of Use, Perceived Usefulness, Behavioral Intention to Use and Actual System Use. The measurement scale uses a 5 category Likert scale. The results of statistical analysis of the research, Perceived Ease of Use has a significant effect on Perceived Usefulness and Behavioral Intention to Use, Perceived Usefulness has a significant effect on Behavioral Intention to Use and Behavioral Intention to Use has a significant effect on Actual System Use.Penelitian ini bertujuan untuk meneliti faktor-faktor yang berpengaruh terhadap penerimaan aplikasi pembelajaran online Google classroom dalam pembelajaran online. Model konseptual untuk menilai penerimaan terhadap suatu teknologi menggunakan model Technology acceptance model (TAM) 3. TAM 3 merupakan pengembangan dari model TAM dengan menambahkan dimensi Perceived Ease of Use yang dapat digunakan untuk memprediksi, dan menjelaskan perilaku yang mendorong penggunaan teknologi yang selalu mengalami perkembangan. Analisis statistika yang digunakan adalah Partial Least Square Structural Equation Model. Data yang didapatkan adalah data primer dari kuesioner yang disebar melalui google form. Sampel berjumlah 150. Penelitian ini menggunakan teknik simpel random sampling. Terdapat 4 variabel latent yaitu Perceived Ease of Use, Perceived Usefulness, Behavioral Intention to Use dan Actual System Use. Skala pengukuran menggunakan skala likert 5 kategori. Hasil analisis statistika didapatkan kesimpulan variabel Perceived Ease of Use berpengaruh signifikan terhadap Perceived Usefulness dan Behavioral Intention to Use, Perceived Usefulness memiliki pengaruh yang signifikan terhadap terhadap Behavioral Intention to Use dan Behavioral Intention to Use berpengaruh signifikan terhadap Actual System Use.

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