scholarly journals How does Unified Theory of Acceptance and Use of Technology (UTAUT) Work on Adopting Financial Technology (FinTech) by MSMEs?

2021 ◽  
Vol 6 (2) ◽  
pp. 90-99
Author(s):  
Yohan Wismantoro ◽  
MG Westri Kekalih Susilowati Susilowati
Keyword(s):  
Ease Of Use ◽  
Partial Least Square ◽  
Perceived Usefulness ◽  
Least Square ◽  
Intention To Use ◽  
Unified Theory ◽  
Significant Positive Effect ◽  
Perceived Ease Of Use ◽  
Use Of Technology ◽  
Positive Effect

Micro Small and Medium Enterprises (MSMEs) have a very significant role in the economy, can even be said to be the backbone of the economy. However, MSMEs are precisely the sector hardest hit by the Covid-19 pandemic. Digitalization creates new opportunities for MSMEs in the pandemic. FinTech, one of the implementations of digitalization should be pursued to be used by MSMEs. Using path analysis processed using Partial Least Square (PLS), this research aims to identify how Unified Theory of Acceptance and Use of Technology (UTAUT) works on Adopting FinTech by MSMEs. The Outer Model and Inner Model reflect that the model work. The outer loading value of ? 0.7, AVE value ? of 0.5, Cronbach's Alpha ? 0,70, a correlation value ? of 0.50; and Composite Reliability ? 0.6, and R-Square 0.716 reflect it. However, regarding the factors that influence intention to use, it is different from previous research that became a reference. There are only four hypotheses proven. Those are Context had a significant positive effect on Perceived Ease of Use and Perceived Usefulness, and Perceived Ease of Use and Perceived Usefulness had a significant positive effect on the intention to use fintech. Keywords: FinTech, MSMEs, Digitalization, UTAUT, Inclusive

scholarly journals THE EFFECT OF AWARENESS, SPEED OF TRANSACTIONS, SECURITY, PERCEIVED USEFULNESS WITH MEDIATION OF PERCEIVED EASE OF USE ON M-BANKING ADOPTIONS BRI MAKASSAR RAYA

2018 ◽  
Vol 8 (1) ◽  
Author(s):  
Andi Dewi Mentari ◽  
Aniek Maschudah Ilfitriah
Keyword(s):  
Sampling Technique ◽  
Ease Of Use ◽  
Partial Least Square ◽  
Perceived Usefulness ◽  
Least Square ◽  
Mobile Banking ◽  
Significant Positive Effect ◽  
Perceived Ease Of Use ◽  
Negative Effect ◽  
Positive Effect

Mobile banking is a banking facility that uses mobile communication tools such as mobile phones. Mobile banking services provide convenience for customers to perform banking transactions such as check balances, transfer between accounts and bill payments and know the history of transactions made by users. This study aims to analyze the influence of Awareness, Transaction Speed, Security, Perceived Usefulness with Perceived Ease of Use Media to Adoption of m-banking BRI Makassar Raya. The sample used in this research is customer of m-banking BRI customer in Makassar Raya. The number of samples used in the study were 100 respondents who distributed directly and using purposive sampling technique. Data analysis using smartPLS program (Partial Least Square) version 2.0. The result of the research shows that the awareness variable has negative effect not significant to BRI m-banking Adoption, Transaction Speed has a significant positive effect on BRI m-banking Adoption, Security has positive significant effect on BRI m-banking Adoption, Perceived Usefulness has no significant effect to m -banking BRI, Perceived Usefulness has a significant negative effect on Perceived Ease of Use and Perceived  Ease of Use has a significant positive effect on m-banking Adoption

scholarly journals Faktor-Faktor yang Mempengaruhi Sikap dan Intensi Pengurus Koperasi Untuk Menggunakan Platform Layanan Keuangan Digital di Kota Bandung

2019 ◽  
Vol 10 (2) ◽  
pp. 155
Author(s):  
Hana Al Zahra ◽  
Erie Febrian ◽  
S.C. Djen Amar
Keyword(s):  
Perceived Risk ◽  
Ease Of Use ◽  
Partial Least Square ◽  
Perceived Usefulness ◽  
Least Square ◽  
Significant Positive Effect ◽  
Perceived Ease Of Use ◽  
Qualitative Approaches ◽  
The City ◽  
Positive Effect

<div><p class="1eAbstract-text">This study aims to analyze the factors that influence the attitudes and intentions of Indonesian cooperatives, especially in the city of Bandung in using digital financial service platform. The test conducted in this study is to examine the relationship between Perceived Usefulness, Perceived Ease of Use, Knowledge, Trust and Perceived Risk on Attitudes and Intentions, which are tested partially and simultaneously. The method of analysis of this research uses quantitative and qualitative approaches in the form of descriptive - verification. Hypothesis testing uses Partial Least Square (PLS) analysis with a sample of 100 respondents from 70 cooperatives conducting savings and loan activities in the city of Bandung.� The results of the analysis of research data indicate that Knowledge and Trust have a significant positive effect on Attitude and Intention. Perception of Use only has a significant positive effect on attitude. While Perception of Ease and Risk does not have a significant positive effect on Attitude and Intention. The results indicate that Knowledge and Trust have a significant positive effect on Attitude and Intention. Perceived Usefulness only has a significant positive effect on Attitude. While Perceived Ease of Use and Risk does not have a significant positive effect on both Attitude and Intention. Simultaneously all variables X explain 77.9% of Attitude and 86.5% of Intention.</p></div>

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.

scholarly journals PENGARUH NORMA SUBYEKTIF,DAN TAM TERHADAP NIAT MENGGUNAKAN SISTEM ERP

2018 ◽  
Vol 1 (1) ◽  
Author(s):  
Rizki Endah Susilaputri
Keyword(s):  
Technology Acceptance ◽  
Business Processes ◽  
Ease Of Use ◽  
Partial Least Square ◽  
Perceived Usefulness ◽  
Least Square ◽  
Primary Data ◽  
Intention To Use ◽  
Perceived Ease Of Use ◽  
Erp Systems

ERP is a system used by the company to integrate all business processes. This study aimed to determine the effect of Subjective Norm and Technology Acceptance Model (TAM) of the Intention to Use ERP Systems. TAM in this study was measured by two indicators: Perception Perceived Usefulness and Ease of Use.Respondents in this study were users of ERP systems on PT. Semen Gresik (Persero), Tbk. Questionnaires were the primary data used in this research and random sampling was used as data collection method. Questionnaires were distributed about 70 copies but only 63 were returned, and 3 of them were incomplete questionnaires. The data analysis technique used was Partial Least Square, with the help of Smart PLS 2.0 software.The results of this study are: 1) Subjective Norms have positive significant effect on Intention to Use ERP Systems. 2) Perceived Usefulness have positive significant effect on Intention to Use ERP Systems. 3) Perceived Ease of Use have positive significant effect on Intention to Use ERP Systems. DOI 10.5281/zenodo.1214920

scholarly journals PENGARUH NORMA SUBYEKTIF,DAN TAM TERHADAP NIAT MENGGUNAKAN SISTEM ERP

2017 ◽  
Vol 1 (1) ◽  
Author(s):  
Rizki Endah Susilaputri
Keyword(s):  
Technology Acceptance ◽  
Business Processes ◽  
Ease Of Use ◽  
Partial Least Square ◽  
Perceived Usefulness ◽  
Least Square ◽  
Primary Data ◽  
Intention To Use ◽  
Perceived Ease Of Use ◽  
Erp Systems

ERP is a system used by the company to integrate all business processes. This study aimed to determine the effect of Subjective Norm and Technology Acceptance Model (TAM) of the Intention to Use ERP Systems. TAM in this study was measured by two indicators: Perception Perceived Usefulness and Ease of Use.Respondents in this study were users of ERP systems on PT. Semen Gresik (Persero), Tbk. Questionnaires were the primary data used in this research and random sampling was used as data collection method. Questionnaires were distributed about 70 copies but only 63 were returned, and 3 of them were incomplete questionnaires. The data analysis technique used was Partial Least Square, with the help of Smart PLS 2.0 software.The results of this study are: 1) Subjective Norms have positive significant effect on Intention to Use ERP Systems. 2) Perceived Usefulness have positive significant effect on Intention to Use ERP Systems. 3) Perceived Ease of Use have positive significant effect on Intention to Use ERP Systems.

scholarly journals Perceived Usage of E-Wallet among the Y Generation in Surabaya based on Technology Acceptance Model

2020 ◽  
Vol 22 (1) ◽  
pp. 17-24
Author(s):  
Dewi Pertiwi ◽  
Widjojo Suprapto ◽  
Eric Pratama
Keyword(s):  
Technology Acceptance ◽  
Direct Effect ◽  
Ease Of Use ◽  
Partial Least Square ◽  
Perceived Usefulness ◽  
Least Square ◽  
Behavioural Intention ◽  
Intention To Use ◽  
Perceived Ease Of Use ◽  
Acceptance Model

Although the government of Indonesia is building the cashless society, the number of e-wallet users are increasing slowly. E-wallet is becoming a common instru­ment of payments from the paper-based instruments to server-based electronic money. The aim of this research is to investigate the perceived usage of the Y Genera­tions on e-wallet based on Technological Acceptance Model (TAM) which is a power­ful model to describe single approval to the usage of a new information technology system. As a quantitative research, the data analysis is using the Partial Least Square (PLS) with the SmartPLS 3.0 software. The results show that perceived usefulness and perceived ease of use brings impacts positive significant impacts to behavioural intention to use, then, the behavioural intention to use affect a positive significant impact to perceived usage. However, a direct effect from perceived useful­ness to perceived usage shows a negative and no significant impact, meanwhile an unintended effect from perceived usefulness to perceived usage through behavioural intention to use show a positive significant impact. Finally, a direct effect from perceived ease of use to perceived usage shows a lower t-statistic value than an indi­rect effect from perceived ease of use to perceived usage through behavioural inten­tion

scholarly journals Analisis Technology Readiness and Acceptance Model (TRAM) Pada Penggunaan Sport Wearable Technology

Teknika ◽  
2021 ◽  
Vol 10 (1) ◽  
pp. 68-77
Author(s):  
Heru Wijayanto Aripradono
Keyword(s):  
Wearable Technology ◽  
Ease Of Use ◽  
Partial Least Square ◽  
Perceived Usefulness ◽  
Least Square ◽  
Technology Readiness ◽  
Intention To Use ◽  
Perceived Ease Of Use ◽  
Acceptance Model ◽  
Fitness Tracker

Pertumbuhan teknologi informasi tidak dapat dihindari terutama dalam mempengaruhi kehidupan sosial manusia saat ini. Inovasi yang dikembangkan secara tidak langsung memberikan dampak positif bagi kehidupan manusia saat ini. Wearable technology adalah salah satu teknologi yang tidak hanya memberikan banyak manfaat bagi kehidupan manusia, namun sangat membantu dalam menunjang aktivitas olahraga dan kesehatan. Wearable technology merupakan suatu teknologi komputer yang terhubung dengan koneksi internet, memiliki bentuk berupa aksesoris manusia sehari-hari yang dapat dikenakan pada tubuh mereka untuk memudahkannya dalam menerima notifikasi yang sudah terhubung dengan perangkat pintar lainnya. Pada penelitian ini akan melakukan identifkasi beberapa faktor yang mempengaruhi sudut pandang pengguna pada sports wearable technology serta untuk menginvestigasi penyebab pengadopsian konsumen pada teknologi tersebut berdasarkan teori Technology Readiness and Acceptance Model (TRAM). Penelitian ini menggunakan pendekatan kuantitatif dan variabel yang akan digunakan dalam penelitian ini adalah Positive Technology Readiness, Negative Readiness, Perceived Usefulness, Perceived Ease of Use, dan Intention to Use yang merupakan teori gabungan antara Technology Readiness and Acceptance Model (TRAM) untuk menjelaskan fenomena para pengguna terhadap penggunaan sports wearable sebagai fitness tracker mereka. Penelitian menggunakan komponen berbasis SEM dan kemudian dilakukan analisis menggunakan Partial Least Square. Penelitian ini menemukan bahwa pengguna memiliki penilaian positif (positive technology readiness) yang tinggi pada sports wearable technology melalui faktor Perceived Ease of Use (PEOU) dibandingkan dengan nilai Perceived Usefulness (PU) dalam wearable technology tersebut.

scholarly journals Influence of TAM and UTAUT models of the use of e-filing on tax compliance

2020 ◽  
Vol 9 (1) ◽  
pp. 106-111 ◽  
Author(s):  
Henny Rakhmawati ◽  
Sutrisno Sutrisno T ◽  
M. Khoiru Rusydi
Keyword(s):  
Social Influence ◽  
Sample Selection ◽  
Tax Compliance ◽  
Ease Of Use ◽  
Partial Least Square ◽  
Perceived Usefulness ◽  
Least Square ◽  
Perceived Ease Of Use ◽  
Facilitating Conditions ◽  
Positive Effect

This study aims to examine and prove empirically the effect of perceived usefulness, perceived ease of use, social influence, facilitating conditions on tax compliance. The sample selection technique uses convenience sampling obtained 100 samples taxpayers in Directorate General of Taxation III East Java. Data analyzed using partial least square. The result shows that (1) perceived ease of use does not affect tax compliance. (2) Perceived usefulness has a positive effect on tax compliance. (3) Social influence has a positive effect on tax compliance. (4) Facilitating conditions does not affect tax compliance.

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) ◽  
pp. 161-172
Author(s):  
Noer Hidayah ◽  
Jerhi Wahyu Fernanda
Keyword(s):  
Technology Acceptance ◽  
Behavioral Intention ◽  
Structural Equation ◽  
Ease Of Use ◽  
Partial Least Square ◽  
Perceived Usefulness ◽  
Least Square ◽  
Intention To Use ◽  
Perceived Ease Of Use ◽  
Behavioral Intention To Use

Penelitian ini bertujuaan untuk meneliti faktor-faktor yang berpengaruh terhadap penerimaan aplikasi pembelajaran online Google classroom (GC) 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 yang didapatkan dari kuesioner yang disebar melalui google form. Sampel dalam penelitian ini berjumlah 150. Penelitian ini menggunakan teknik simpel random sampling dengan kriteria yang harus dipenuhi. Variabel terdiri dari 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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