scholarly journals PREFERENSI GENERASI MILENIAL DALAM MEMILIH PEMBAYARAN DIGITAL (STUDI KASUS PADA MAHASISWA DI JABODETABEK)

2021 ◽  
Vol 20 (2) ◽  
Author(s):  
Mia Andika Sari ◽  
Indianik Aminah ◽  
Hastuti Redyanita
Keyword(s):  
Perceived Risk ◽  
Brand Image ◽  
Perceived Usefulness ◽  
Electronic Money ◽  
Technology Knowledge ◽  
Financial Technology

Kemajuan teknologi yang cukup pesat membawa dampak terhadap dunia keuangan khususnya transaksi pembayaran. Perkembangan ini ditandai dengan jumlah transaksi electronic money atau uang elektronik di Indonesia menunjukan data yang terus meningkat berdasarkan hasil statistik yang dikeluarkan oleh Bank Indonesia. Banyaknya perusahaan pembayaran digital ini memberi banyak pilihan kepada masyarakat dalam menentukkan alat pembayaran digital mana yang akan mereka gunakan. Penelitian ini bertujuan untuk menganalisa faktor-faktor Influencer Sosial Media, Brand Image Perusahaan, Promotional Benefit, Financial Technology Knowledge, Persepsi Kemudahan Penggunaan, dan Persepsi Risiko terhadap minat menggunakan pembayaran digital pada mahasiswa di Jabodetabek, Indonesia. Metode penelitian dalam riset ini adalah kuantitatif dengan teknik analisa data menggunakan deskriptif analitis. Hasil penelitian ini menunjukkan Influencer Sosial Media, Brand image perusahaan, Perceived risk berpengaruh negatif dan tidak signifikan. Sedangkan, Promotional benefit, Fintech knowledge, Perceived usefulness, berpengaruh positif dan signifikan. Diharapkan hasil penelitian ini akan memberikan kontribusi bagi perusahaan penerbit sebagai bahan kajian untuk mengembangkan bisnisnya, karena kelompok milenial ini memiliki potensi pasar yang besar karena cenderung mengikuti tren dan tanggap akan tekhnologi dibandingkan kelompok umur yang lain. Penelitian ini pula diharapkan mampu memberikan saran perbaikan untuk pemerintah terkait aturan dalam bisnis pembayaran digital di masa yang akan datang. Kata Kunci : Minat Penggunaan, Preferensi Milenial, Pembayaran Digital.  

scholarly journals The Influence of Perceived Risk and Trust in Adoption of FinTech Services in Indonesia

2019 ◽  
Vol 13 (1) ◽  
pp. 31 ◽  
Author(s):  
Meyliana Meyliana ◽  
Erick Fernando ◽  
Surjandy Surjandy
Keyword(s):  
Technology Acceptance ◽  
Technology Acceptance Model ◽  
Perceived Risk ◽  
Structural Equation ◽  
Service Level ◽  
Equation Model ◽  
Perceived Usefulness ◽  
Data Collection Technique ◽  
Acceptance Model ◽  
Financial Technology

The service level in community must be considered if it wants to continue to be used by the users. This research studies the adoption of Financial Technology (FinTech) services in the terms of trust and risk. The work employs the Technology Acceptance Model (TAM) theory as the theoretical basis combined with trust and perceived risk. The research method is quantitative. The data are analyzed by the Structural Equation Model (SEM) using Smart PLS V2.0. The researchers use a questionnaire in Google Form to collect the data. It is distributed online with the snowball data collection technique. As a result, 548 respondents are successfully gathered. The results indicate that the factor of users trusts influences perceived usefulness in the adoption to use FinTech services. However, the risk factor does not affect the use of FinTech services, which further does not influence the users’ attitude. The work contributes to the study of the adoption of FinTech services, which provides a view determining the users’ intention to use FinTech services in Indonesia.

scholarly journals ANALISIS FAKTOR-FAKTOR YANG MEMPENGARUHI MINAT MENGGUNAKAN FINTECH LENDING

2021 ◽  
Vol 10 (3) ◽  
pp. 246
Author(s):  
Samuel Martono
Keyword(s):  
Technology Acceptance ◽  
Technology Acceptance Model ◽  
Random Sampling ◽  
Perceived Risk ◽  
Ease Of Use ◽  
Perceived Usefulness ◽  
Relative Advantage ◽  
Perceived Ease Of Use ◽  
Acceptance Model ◽  
Financial Technology

ABSTRACTThis study aims to examine the determinants of the developed Technology Acceptance Model (TAM) framework. The author used stratified random sampling, and data collection used a survey method. The analysis technique used is multiple regression analysis and path analysis using the IBM SPSS 25 software. The results show that perceived ease of use and perceived risk do not influence attitude towards fintech lending. In contrast, perceived usefulness, relative advantage, and perceived cost influence it, and attitude influences intention to use fintech lending behavior. Moreover, the attitude has a partial mediation role only in the relationship between perceived usefulness and relative advantage to fintech lending using intention. These results support the original model of TAM that states perceived ease of use has a nonsignificant effect on attitude towards using behavior. It suggested that financial technology services foster users to use fintech lending through various ways to tell it is easy enough to use and able to protect users' secure data and information. This study also contributes to giving more empirical evidence for other variables to modify and develop the Technology Acceptance Model.JEL : G23, G41, G51. Keywords : Technology Acceptance Model, financial technology, lending. ABSTRAKPenelitian ini bertujuan untuk menguji faktor-faktor pada kerangka kerja yang merupakan pengembangan dari Technology Acceptance Model (TAM). Peneliti menggunakan metode stratified random sampling dan pengumpulan data dilakukan dengan menggunakan metode survey. Teknik analisis yang digunakan adalah uji regresi berganda dan uji jalur dengan bantuan perangkat lunak IBM SPSS 25. Hasil penelitian menunjukkan bahwa perceived ease of use dan perceived risk tidak memberikan pengaruh pada sikap terhadap fintech lending. Sebaliknya, perceived usefulness, relative advantage dan perceived cost justru memberikan pengaruh, serta sikap memberikan pengaruh terhadap minat untuk menggunakan fintech lending. Lebih lanjut, sikap memilki mediasi parsial hanya pada hubungan antara perceived usefulness dan relative advantage terhadap minat untuk menggunakan fintech lending. Hasil penelitian ini mendukung model awal TAM yang menyatakan bahwa perceived ease of use memberikan pengaruh yang tidak signifikan terhadap sikap untuk menggunakan. Disarankan bagi penyedia jasa keuangan berbasis teknologi untuk mendorong pengguna fintech lending melalui berbagai langkah untuk menyampaikan kemudahan penggunaan dan fintech mampu melindungi data dan informasi pengguna yang bersifat rahasia. Penelitian ini juga berkontribusi untuk memberikan bukti empiris pada berbagai variabel yang digunakan untuk memodifikasi dan mengembangkan Technology Acceptance Model.

scholarly journals ANALISIS MINAT BERTRANSAKSI MENGGUNAKAN FINANCIAL TECHNOLOGY (FINTECH) DI JAWA TENGAH

2020 ◽  
Vol 3 (2) ◽  
pp. 48-57
Author(s):  
Ismi Khoiriyah ◽  
Dian Apradika Kusumawati ◽  
Ika Indriasari
Keyword(s):  
Perceived Risk ◽  
Sampling Methods ◽  
Ease Of Use ◽  
Perceived Usefulness ◽  
The Internet ◽  
Intention To Use ◽  
Perceived Ease Of Use ◽  
Independent Variables ◽  
Central Java ◽  
Financial Technology

ABSTRAKPenelitian ini bertujuan untuk menganalisis persepsi manfaat, persepsi kemudahan penggunaan, kepercayaan, dan persepsi risiko terhadap minat bertransaksi menggunakan financial technology (fintech) di Jawa Tengah. Populasi yang digunakan dalam penelitian ini adalah masyarakat Jawa Tengah yang memiliki akses terhadap internet dengan sampel yang diambil menggunakan metode convenience dan snowball sejumlah 100 orang. Teknik analisis yang digunakan dalam penelitian ini adalah uji regresi linier berganda. Hasil analisis menunjukkan bahwa keempat variable bebas berpengaruh signifikan terhadap minat bertransaksi menggunakan fintech secara terpisah maupun secara simultan. Kata kunci : Fintech, Persepsi Kemudahan Penggunaan, Efektivitas, Kepercayaan, Risiko, Minat, Financial Technology.ABSTRACTThis study was conducted to analyze the influence of perceived usefulness, perceived ease of use, trust, and perceived risk towards people’s intention to use financial technology (fintech) in Central Java, Indonesia. The population was the residents who had access to the internet in Central Java. A hundred samples were drawned using convenience and snow ball sampling methods. Multiple linear regression was used to proof the hypothesis. The result showed that the four independent variables had significant influence on people’s intention to use fintech. The influences were shown both for individual variable and silmutaniously.Keywords: Fintech, Perceived Ease of Use, Effectiveness, Trust, Risk, Interest, Financial Technology. 

scholarly journals How To Build Continuance Intention On Jenius App Users

2021 ◽  
Vol 5 (2) ◽  
pp. 155
Author(s):  
Tri Wahyu Oktavendi ◽  
Ike Arisanti
Keyword(s):  
Perceived Risk ◽  
Ease Of Use ◽  
Perceived Usefulness ◽  
Perceived Ease Of Use ◽  
Smartphone Applications ◽  
Continuance Intention ◽  
Inner Model ◽  
Transaction Services ◽  
Financial Technology

The availability of various kinds of transaction services via smartphones will certainly affect its users. The theme of Financial Technology (Fintech) is also developing which includes transactions through smartphone applications. The big question arises, namely what are the factors that influence Jenius-App users to be intense in using the application? Its Benefit? Or its Risk?. This study tries to examine the factors that affect Continuance Intention on Jenius App users. Smart PLS 15 is used in this study by using Outer Model and Inner Model. The Results show that it is only three hypotheses are accepted. First, Perceived Usefulness Affect Continuance Intention. Second, Perceived Ease of Use Affect Perceived Usefulness. Third, Perceived Risk Affect Perceived Ease of Use.

Using Technology Acceptance Model to Study Customers’ Perception Towards Green Banking

Think India ◽  
2019 ◽  
Vol 22 (3) ◽  
pp. 402-409
Author(s):  
Deepak Shrivastava ◽  
Apurva Shrivastava ◽  
Gyan Prakash
Keyword(s):  
Technology Acceptance ◽  
Technology Acceptance Model ◽  
Perceived Risk ◽  
New Technology ◽  
Banking System ◽  
Point Of View ◽  
Ease Of Use ◽  
Perceived Usefulness ◽  
Perceived Ease Of Use ◽  
Acceptance Model

Tech-friendliness in this new era is an important quotient considered and the persons’ acceptance towards the technology frequency matters a lot. But still the frequency varies from person to person, this brought in the concept of Technology Acceptance Model given by Fred Davis in 1989. The theory of TAM is based on two theories that are Theory of Reasoned Action and Theory of Planned Behavior, TAM is extended version of these two. Green Banking is a new technology introduced by the banks that focuses on the growth of Sustainable development and Banking system too. Thus, banks ask their customers to use it or practice it in their daily life transactions. But every customer has their own point of view on the usage of Green banking. Thus, the research aims to understand the customers’ perception towards the Green Banking for this TAM is used. The research states that Perceived risk is the primary factor that is followed by perceived usefulness and perceived ease of use that impacts the decision to use green banking. Thus, the behavioral intention results in actual use of green banking usage for which people are trying to accept the new technology. So, the banks have earned points for creating awareness among their customers but still they have to work hard and clarify their customers’ problems and vanish that hitch that is stopping them to use green banking easily.

FACTORS AFFECTING THE ADOPTION OF ELECTRONIC MONEY USING TECHNOLOGY ACCEPTANCE MODEL AND THEORY OF PLANNED BEHAVIOR

2019 ◽  
Vol 24 (1) ◽  
pp. 100-113
Author(s):  
Filona ◽  
Misdiyono
Keyword(s):  
Theory Of Planned Behavior ◽  
Technology Acceptance ◽  
Technology Acceptance Model ◽  
Ease Of Use ◽  
Perceived Usefulness ◽  
Intention To Use ◽  
Perceived Ease Of Use ◽  
Electronic Money ◽  
Factors Affecting ◽  
Acceptance Model

With the rapid growth of information technology, electronic money has played an important and central role in the e-payment. Development of electronic money is able to create a trend less-cash society, which is a society’s behavior using non- cash transactions by utilizing the simplicity offered through electronic transactions. The purpose of this research is to determine the factors affecting the intention to use electronic money. We designed a questionnaire and used it to survey a simple random sampling of people who use of e-money in DKI Jakarta. The actual samples used for the study are 125 respondents. We analyzed the data using Structured Equation Modeling to evaluate the strength of the hypothesized effects. The result of the analysis showed that perceived ease of use has no significant effect on attitudes towards the use of e-money. Perceived ease of use has a significant effect on the perceived usefulness of e-money. Perceived usefulness has no significant effect on the intention to use e-money. Perceived usefulness has a significant effect on attitudes towards the use of e-money. Attitude has a significant effect on the intention to use e-money. Subjective norm has a significant effect on the intention to use e-money. Perceived behavioral control has no significant effect on the intention to use e-money. Keywords: electronic money, technology acceptance model, the theory of planned behavior.

Validating the Measurement Constructs Affecting the Technology Adoption in Indian Mobile Banking Industry

2016 ◽  
Vol 1 (1) ◽  
Author(s):  
Muragesh Y. Pattanshetti ◽  
Sachin S. Kamble ◽  
Sudheer M. Dhume ◽  
Shradha Gawankar
Keyword(s):  
Technology Adoption ◽  
Perceived Risk ◽  
Service Providers ◽  
Business Environment ◽  
Retail Banking ◽  
Appropriate Technology ◽  
Ease Of Use ◽  
Perceived Usefulness ◽  
Measurement Scale ◽  
Mobile Banking

Mobile phones have undeniably brought a paradigm shift, affecting both the lives of people and the business environment. Today, mobile phone has permeated the lives of billions of people around the world, becoming for many an indispensable device. Moreover, adoption of mobile banking has significant impact on reducing costs and enabling change in retail banking. Factors influencing the intention to use or adopt mobile banking are very important and will play a vital role for mobile banking service providers. The proposed study focuses on a comprehensive set of potential factors that influence the adoption of mobile banking. The research model identifies appropriate factors and captures dependency relationships among these factors in the form of a number of hypotheses to be tested in this research. This paper aims to design a scale with a high degree of reliability, validity, and dimensionality which helps to determine the appropriate technology adoption model based on the identified constructs, viz. Optimism (OPTI), Innovativeness (INNO), Insecurity (INSC), Discomfort (DISC), Perceived Usefulness (PU), Perceived Ease of Use (PEU), Perceived Risk (PR), Subjective Norms (SN), Attitude (ATTI), Behavioural Control (BC) and Behavioural Intention (BI). The data were collected through questionnaire survey from 201 respondents comprising software engineers, bank employees, professors, entrepreneurs. Confirmatory factor analysis was used to test the validity of the proposed measurement scale for all the identified constructs. This instrument helps bankers to determine and design there applications which will contribute to the knowledge of predicting customer intention.

A Study on Behavior Intention to Adopt Mobile Banking Apps

2021 ◽  
Vol 13 (2) ◽  
pp. 60-72
Author(s):  
Phan Dai Thich
Keyword(s):  
Social Influence ◽  
Perceived Risk ◽  
Ease Of Use ◽  
Perceived Usefulness ◽  
Influential Factor ◽  
Mobile Banking ◽  
Perceived Ease Of Use ◽  
Behavior Intention ◽  
Intention To Adopt ◽  
Tam Model

This study aims to examine the factors influencing consumers' behavior intention to adopt mobile banking apps. The research uses the TAM model with additional variables such as social influence and perceived risk to evaluate how these factors impact the behavior intention of young customers toward adopting mobile banking services. PLS-SEM was used as the main research method. The findings from this paper reaffirmed that perceived usefulness and social influence are the most influential factor in behavior intention, but perceived ease of use and perceived risk showed insignificant impacts on young consumers' behavior intention in Vietnam. This paper also found that perceived ease of use had no direct impact on behavior intention but an indirect impact through facilitating perceived usefulness. This subject makes a practical and academic contribution in the context of a developing country where is lacking research in mobile banking apps.

INVESTIGASI NIAT PENGGUNAAN FINANCIAL TECHNOLOGY PAYMENT BAGI USAHA MIKRO KECIL MENENGAH

2021 ◽  
Vol 19 (1) ◽  
pp. 35
Author(s):  
Anissa Hakim Purwantini ◽  
Reza Dea Amalia
Keyword(s):  
Risk Perception ◽  
Small And Medium Enterprises ◽  
Sampling Technique ◽  
Ease Of Use ◽  
Perceived Usefulness ◽  
Intention To Use ◽  
Digital Money ◽  
Convenience Sampling ◽  
Medium Enterprises ◽  
Financial Technology

ABSTRACTThe current adoption of financial technology (fintech) payment by Micro, Small and Medium Enterprises (MSMEs) is motivated by the trend of using digital money. The purpose of this study is to test and analyze empirically the factors that influence the intention of SMEs to use fintech payments. This study uses a quantitative method by distributing surveys to 94 MSMEs in the Magelang using convenience sampling technique. The test results with SEM-PLS show that the perceived usefulness and the perception of trust have an effect on attitudes. Risk perception and trust affect the intention to use fintech payment. Meanwhile, for ease of use, perception and risk perception have no effect on attitudes and perceived usefulness. Attitudes have no effect on intentions to use fintech payment. Based on the calculation of the path value, the most powerful factor to influence the intention to use fintech payment is the perception of trust.Keywords: fintech payment, TAM, MSMEABSTRAKAdopsi terkini mengenai pembayaran melalui financial technology (fintech) oleh Usaha Mikro, Kecil dan Menengah (UMKM) dilatarbelakangi oleh tren penggunaan uang digital. Tujuan dari penelitian ini adalah untuk menguji dan menganalisis secara empiris faktor-faktor yang mempengaruhi niat UMKM untuk menggunakan pembayaran fintech. Penelitian ini menggunakan metode kuantitatif dengan menyebarkan survei kepada 94 UMKM di Magelang dengan menggunakan teknik convenience sampling. Hasil pengujian dengan SEM-PLS menunjukkan bahwa persepsi manfaat dan persepsi kepercayaan berpengaruh terhadap sikap. Persepsi risiko dan kepercayaan mempengaruhi niat untuk menggunakan pembayaran fintech. Sedangkan untuk kemudahan penggunaan, persepsi dan persepsi risiko tidak berpengaruh terhadap sikap dan manfaat yang dirasakan. Sikap tidak berpengaruh terhadap niat menggunakan fintech payment. Berdasarkan perhitungan path value, faktor yang paling kuat mempengaruhi niat menggunakan fintech payment adalah persepsi kepercayaan.Kata kunci: fintech payment, TAM, UMKM

Linear and nonlinear relationships: a hybrid SEM-neural network approach to verify the links of online experience with luxury hotel branding

2021 ◽  
Vol ahead-of-print (ahead-of-print) ◽  
Author(s):  
Menglong Xia ◽  
Yang Zhang
Keyword(s):  
Neural Network ◽  
Brand Image ◽  
Mobile Apps ◽  
Image Formation ◽  
Perceived Usefulness ◽  
Equation Modeling ◽  
Content Type ◽  
Nonlinear Relationships ◽  
Linear And Nonlinear ◽  
Online Experience

PurposeMobile technologies have recently come to serve as the primary reservation option for the hospitality industry. This study examines the role of online experience in determining potential consumers' perceived hotel brand image, through a three-stage model based on the stimulus–organism–response (SOR) framework.Design/methodology/approachA dual-stage analytical procedure, including structural equation modeling (SEM) and an artificial neural network (ANN) approach, was adopted to test the hypotheses.FindingsOnline experience of mobile applications (apps) can be influenced by perceived usefulness. As the indivisible component of consumers' cognitive beliefs, perceived ease of use exerts a positive impact on online experience. The online experience of mobile apps positively influenced brand awareness and satisfaction, further contributing to potential consumers' brand image formation.Research limitations/implicationsThis study empirically verified the relationships among potential hotel consumers' perceptions of official hotel mobile app quality, online experience and brand image.Practical implicationsThis study reiterates the importance of official hotel apps in implementing online marketing strategies, suggesting that hoteliers should pay attention to enhancing the quality of their official apps.Originality/valueThis study is one of the first to combine machine learning techniques with the traditional SEM approach to assess linear and nonlinear relationships in consumers' perceptual models. Additionally, the findings provide theoretical insights into the online experience of mobile apps and reveal the perceived brand image formation process of potential consumers.

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