scholarly journals The Impact of Perceived Risk and Trust on Consumer Intention to Use FinTech Payment in Indonesia

2018 ◽  
Vol 3 (No. 1 Apr 2018) ◽  
pp. 27-38
Author(s):  
Ida Ayu Agung Faradynawati
Keyword(s):  
Perceived Risk ◽  
Structural Equation ◽  
Ease Of Use ◽  
Consumer Trust ◽  
Equation Modeling ◽  
Intention To Use ◽  
Perceived Ease Of Use ◽  
Payment Systems ◽  
Financial Products ◽  
The Impact

FinTech rises as a faster, easier, and cheaper alternative to conventional financial products and services in Indonesia. The largest FinTech sub-segment in Indonesia is payment systems, representing over 30% of overall FinTech startup community. Consumer confidence and trust are essential to acquire and retain users and increase transaction volumes for FinTech companies. Therefore, in the expectation that a better understanding of factors that shape consumer behavior can promote the development of FinTech payment system, the goal of this research was to examine consumer perceived risks and trust in FinTech payment systems in Indonesia. The data generated from 175 respondents were analyzed using the Structural Equation Modeling (SEM). Using trust as the mediating variable, this research concludes that there is a significant relationship between perceived risk and intention to use Fintech payments. Perceived ease of use is also found to be the antecedent of trust. In addition to that, this study also suggests that consumer trust and intention have positive impacts on a good evaluation of FinTech payment with objective opinions on the future of FinTech payment.

scholarly journals MINAT PENGGUNAAN CASHLESS PAYMENT SYSTEM – DOMPET DIGITAL PADA MAHASISWA DI FE UNJ

2020 ◽  
Vol 11 (1) ◽  
pp. 1-19
Author(s):  
Ika Febrilia ◽  
Shela Puspita Pratiwi ◽  
Irianto Djatikusumo
Keyword(s):  
Structural Equation Modeling ◽  
Self Efficacy ◽  
Perceived Risk ◽  
Structural Equation ◽  
Payment System ◽  
Ease Of Use ◽  
Perceived Usefulness ◽  
Equation Modeling ◽  
Intention To Use ◽  
Perceived Ease Of Use

Penelitian ini bertujuan untuk menguji pengaruh: a) self-efficacy terhadap perceived ease of use; b) self-efficacy terhadap perceived usefulness; c) perceived risk terhadap perceived usefulness; d) perceived risk terhadap intention to use; e) perceived usefulness terhadap intention to use; f) perceived ease of use terhadap intention to use; g) perceived ease of use terhadap perceived usefulness; untuk produk dompet digital pada mahasiswa di FE UNJ. Pengumpulan data dilakukan dengan menggunakan metode survei, yaitu dengan membagikan kuesioner. Setelah data terkumpul akan dilakukan pengujian terhadap validitas dan reliabilitas instrumen, yang dilanjutkan dengan uji hipotesis menggunakan SEM (Structural Equation Modeling) dengan bantuan program Amos 20.0. Hasil penelitian menunjukkan adanya pengaruh yang positif dan signifikan: a) self-efficacy terhadap perceived ease of use, b) perceived risk terhadap perceived usefulness, c) perceived risk terhadap intention to use, serta d) perceived ease of use terhadap perceived usefulness. Kata kunci: self-efficacy, perceived risk, perceived usefulness, perceived ease of use, intention to use, mahasiswa, FE UNJ

Examining the intentions of a Ghanaian technical university students to use e-library

2020 ◽  
Vol ahead-of-print (ahead-of-print) ◽  
Author(s):  
Eugene Okyere-Kwakye ◽  
Khalil Md Nor
Keyword(s):  
University Students ◽  
Structural Equation ◽  
Ease Of Use ◽  
Perceived Usefulness ◽  
Equation Modeling ◽  
Intention To Use ◽  
Perceived Ease Of Use ◽  
Content Type ◽  
Library Resources ◽  
Technical University

Purpose Electronic library (E-library) is a form of computer mediated system that uses electronic media, such as Web/internet devices and distributes resources to improve on the quality of teaching and learning. Students’ use of e-library for learning is essential and as such the government has invested hugely into its subscription for several university libraries in Ghana. However, most university students feel reluctant to use the e-library resources for their studies. The purpose of this paper is therefore to examine the factors that influence students’ intention to use e-library resources for their studies. Design/methodology/approach Questionnaire was used to collect data from 200 students from one Technical University in Ghana. Structural equation modeling (SmartPLS) was used to analyze the data. Findings The study found that accessibility, attitude, perceived ease of use, perceived usefulness and relevance to studies have positive significant effect on students’ attitude to use e-library. In addition, self-efficacy, subjective norm and attitude have positive significant influence on students’ intention to use e-library. Research limitations/implications Although the sample frame used for this study may be unique, but the total amount of data collected was limited to providing the general representative of the Ghanaian students in one particular university. Other researchers may consider collecting data from other universities to extend the sample frame for a larger sample size of students. Practical implications Academic administrators need to organize training and workshops on how to use the e-library portal for their search and other didactic assignments. Most importantly, students should be given IT or internet tutorials as foundation for the use of the e-library portal. Social implications Universities have to provide internet access such as hotspot and network routers at the labs, classrooms and other vantage points. It is believed that with these in place, adequate access to the internet would promote students’ engagement on the e-library facility. Originality/value The study examines the factors that influence students’ intention to use e-library resources for their studies in Ghana.

scholarly journals Investigasi Faktor Yang Mempengaruhi Behavioral Intention Pada Pengguna Grab Bike

2019 ◽  
Vol 3 (2) ◽  
pp. 94
Author(s):  
Sulaiman Sulaiman ◽  
Zainal Abidin ◽  
Suharno Suharno
Keyword(s):  
Structural Equation Modeling ◽  
Behavioral Intention ◽  
Perceived Risk ◽  
Structural Equation ◽  
Ease Of Use ◽  
Perceived Usefulness ◽  
Equation Modeling ◽  
Perceived Ease Of Use ◽  
Software Analysis

Tujuan penelitian ini mengetahui pengaruh behavioral intention (BI) terhadap transportasi online grab bike dengan menggunakan variabel trust, perceived ease of use (PEOU), perceived risk (PR) dan perceived usefulness (PU). Sebanyak 161 orang menjadi responden dalam penelitian ini dengan cara mengisi kuesioner. Data yang diperoleh kemudian dianalisis menggunakan alat analisis Structural Equation Modeling (SEM) dengan menggunakan software analysis of moment structure (AMOS). Setelah dilakukan penelitian diperoleh hasil bahwa PR berpengaruh signifikan terhadap trust, PEOU  berpengaruh signifikan terhadap trust, PU berpengaruh signifikan terhadap trust. Begitu pula pengaruh PR signifikan terhadap behavioral intention, PEOU, PU signifikan terhadap behavioral intention, serta trust signifikan terhadap behavioral intention.

A comprehensive acceptance model for smart home services

2022 ◽  
Vol 6 (1) ◽  
pp. 45-58 ◽  
Author(s):  
Amer Al-Husamiyah ◽  
Mahmood Al-Bashayreh
Keyword(s):  
Technology Acceptance ◽  
Smart Home ◽  
Structural Equation ◽  
Ease Of Use ◽  
Perceived Usefulness ◽  
Equation Modeling ◽  
Smart Devices ◽  
Intention To Use ◽  
Perceived Ease Of Use ◽  
Acceptance Model

Smart home services (SHSs) afford users an effective lifestyle management system, which provides human-oriented networking of smart devices and applications that enable users to control their homes from anywhere at any time. Despite the benefits of SHSs, however, their acceptance is very low. There remains a gap in the literature in terms of a comprehensive model that addresses users’ intention to use SHSs. To address this gap, the present study explored the factors that influence SHS acceptance among users based on well-established theoretical frameworks, such as the technology acceptance model, innovation diffusion theory, and the theory of planned behavior. To this end, the study integrated four additional factors, namely, perceived convenience, perceived connectedness, perceived cost, and perceived privacy risk, into the exploration and carried out structural equation modeling to quantitatively determine the effects of these factors. Questionnaires were administered to 750 users. The findings indicated that perceived compatibility, perceived convenience, perceived connectedness, perceived cost, perceived behavioral control with perceived usefulness, and perceived ease of use directly and indirectly exerted a significant influence on users’ intention to use SHSs.

Understanding Vietnamese Consumer Intention to Use Online Retailer Websites

2020 ◽  
Vol 12 (2) ◽  
pp. 1-15
Author(s):  
A. F. M. Jalal Ahamed ◽  
Yam Limbu ◽  
Long Pham ◽  
Ha Van Nguyen
Keyword(s):  
Technology Acceptance ◽  
Technology Acceptance Model ◽  
Perceived Risk ◽  
Structural Equation ◽  
Online Shopping ◽  
Equation Model ◽  
Ease Of Use ◽  
Intention To Use ◽  
Perceived Ease Of Use ◽  
Acceptance Model

This study examines the applicability of an extended technology acceptance model (TAM) that incorporates trust, perceived risk, and self-enhancement as antecedents to the TAM constructs. Data collected from 299 Vietnamese online consumers, through a self-administered survey, were entered into a structural equation model using AMOS 23 to establish causality. The results partially confirm the applicability of TAM to the online shopping intentions of Vietnamese consumer, though contrary to expectations, perceived ease of use does not predict behavioral intentions. Trust and self-enchantment fit well with the TAM; the inclusion of perceived risk as an antecedent is questionable. The findings offer new opportunities for explaining TAM theory in light of Schwartz's value dimensions. This article thus concludes with a discussion of the research contributions and implications.

The impact of using a virtual employee engagement platform (VEEP) on employee engagement and intention to stay

2018 ◽  
Vol 30 (1) ◽  
pp. 242-259 ◽  
Author(s):  
Jungsun (Sunny) Kim ◽  
Anthony Gatling
Keyword(s):  
Technology Acceptance ◽  
Employee Engagement ◽  
Structural Equation ◽  
Organizational Outcomes ◽  
Ease Of Use ◽  
Equation Modeling ◽  
Perceived Ease Of Use ◽  
Intention To Stay ◽  
Content Type ◽  
The Impact

Purpose The purpose of this study is to investigate whether the perceived ease of use and the usefulness of a virtual employee engagement platform (VEEP) positively influence employees’ intentions to use the VEEP and, in turn, actual use of VEEP. This study further examined how using the VEEP influences employee engagement as well as two organizational outcomes (i.e. employee participation and intention to stay). Design/methodology/approach The survey items for this study were developed based on the technology acceptance model (TAM) and motivation theory. Structural equation modeling (SEM) was used to test the proposed relationships in a sample of 373 employees of a hospitality organization in the USA. Findings The results indicate that employees’ perceived ease of use and usefulness of a hospitality company’s VEEP positively influence employees’ intentions to use the VEEP. The study also found employees with greater intentions to use their company’s VEEP tend to use the VEEP more frequently, which in turn positively influenced their engagement. Eventually, the more-engaged employees showed a higher level of participation, as well as intention to stay. Practical implications This study addresses the call by researchers to demonstrate how a VEEP can positively influence employee engagement and to present new insights into how employee engagement can contribute to improving organizational outcomes in a hospitality setting. Originality/value This study is the first empirical study involving the emergent field of engagement platforms and employee engagement in a hospitality setting. Moreover, this research provides support for increased adoption and investment in the VEEP by hospitality companies.

scholarly journals Anteseden Mobile Banking Adoption

2019 ◽  
Vol 19 (1) ◽  
pp. 45
Author(s):  
Rangga Maulid Mahardika ◽  
Harsini Soetomo
Keyword(s):  
Structural Equation Modeling ◽  
Perceived Risk ◽  
Structural Equation ◽  
Word Of Mouth ◽  
Ease Of Use ◽  
Perceived Usefulness ◽  
Equation Modeling ◽  
Mobile Banking ◽  
Perceived Ease Of Use ◽  
Price Fairness

<p><strong>Abstra</strong><strong>k</strong></p><p><strong> </strong></p><p><strong>Tujuan –</strong>Tujuan dari penelitian ini adalah untuk menganalisis pengaruh dari self efficacyterhadap mobile banking adoption melalui perceived risk, perceived ease of use,perceived usefulness dan behavioural intention.</p><p><strong>Desain/Metodologi/ Pendekatan – </strong>Rancangan penelitian ini dilakukandengan menggunakan rancangan penelitian uji hipotesis (hypotheis testing). Unitanalisis yang digunakan dalam metode penelitian ini adalah pengguna Mobilebanking yang aktif menggunakan dalam 3 bulan terakhir, dan penelitian inimenggunakan data cross-sectional dan teknik sampling yang digunakan adalahpurposive sampling. Structural Equation Modeling (SEM) digunakan untuk mengujihipotesis dalam penelitian ini.</p><p><strong>Temuan - </strong>Hasil penelitian ini menunjukan bahwa (1) Selfefficacy tidak memiliki pengaruh negatif yang signifikan terhadap perceived risk, Self Efficay memiliki pengaruh positif terhadap perceived ease of use dan perceived usefulness dalam penggunaan mobile banking, (2) Perceived ease of use memiliki pengaruh positif terhadap perceived usefulness, Perceived ease of use memiliki pengaruh positif terhadap Intention to Adoption Mobile Banking (3) Perceived risk tidak memiliki pengaruh negatif yang signifikan terhadap intention to adoption mobile banking, (4) Perceived ease of use dan perceived usefulness memiliki pengaruh positif terhadap intention to adoption mobile banking, (5) Perceived usefulness tidak memiliki pengaruh positif yang signifikan terhadap adoption mobile banking, dan (6) Intention to adoption mobile banking memiliki pengaruh positif terhadap adoption mobile banking.</p><p><em> </em></p><p><strong><em>Abstract</em></strong></p><p><strong><em>Purpose </em></strong><em>–</em><em>The purpose of this study is to </em><em>analyze</em><em> the </em><em>effect of self eficacy on mobile adoption through percieved risk, percieved ease of use, percieved usefulness and behavioral intention</em><em></em></p><p><strong><em>Des</em></strong><strong><em>ign</em></strong><strong><em>/Met</em></strong><strong><em>hodology</em></strong><strong><em>/</em></strong><strong><em>Approach – </em></strong><em>Using 210 respondents of active mobile banking users in last 3 months, hypotheses were tested with Structural Equation Modeling by AMOS</em></p><p><strong><em>Findings</em></strong><em> - </em><em>The results showed a positive influence between reflected appraisal of self, self image congruency and cafe quality of cafes toward the electric keyword from word of mouth, while on the conspicuous value and price fairness of does not affect the electronic word-of-mouth. There are several managerial implications that can influence consumers to deliver eWOM by taking more attention to self-relevant value and cafe-relevant value.</em></p><p> </p>

scholarly journals Structural Model for Adoption and Usage of E-banking in Vietnam

2014 ◽  
Vol 220 ◽  
pp. 116-135
Author(s):  
Thanh Nguyễn Duy ◽  
THI CAO HÀO
Keyword(s):  
Perceived Risk ◽  
Structural Equation ◽  
Structural Model ◽  
Behavioral Control ◽  
Ease Of Use ◽  
Equation Modeling ◽  
Perceived Behavioral Control ◽  
Perceived Ease Of Use ◽  
Independent Variables ◽  
Performance Expectancy

E-banking is an inevitable trend of the banking industry in the future. E-banking benefits not only banks but also customers, so the study of models of adoption and usage of E-banking is essential. Nguyễn & Cao (2011) propose the adoption and usage of E-banking model in Vietnam - E-BAM (E-Banking Adoption Model), and their findings showed that eight following factors - performance expectancy, compatibility, perceived ease of use, perceived behavioral control, subjective norm, perceived risk in transaction, bank image, and macro impact of law - affect the E-banking adoption and E-banking adoption affects E-banking usage. However, according to some relevant theoretical models, this model does not show relationships among independent variables and the effects of independent variables on the E-banking usage. In this paper, authors re-propose a new model of E-BAM to overcome the limitations of the 2011 research, the relationships in the model were analyzed by linear structural model - SEM (Structural Equation Modeling). Factors including perceived behavioral control, compatibility, performance expectancy, bank image and perceived risk in transaction are mutually influenced and affect the E-banking adoption intention; while perceived ease of use and E-banking adoption affect the E-banking usage.

scholarly journals ANALISIS TECHNOLOGY ACCEPTANCE MODEL APLIKASI LINKAJA

2020 ◽  
Vol 13 (3) ◽  
pp. 164
Author(s):  
Anggit Esti Irawati ◽  
Ehrmann Suhartono
Keyword(s):  
Technology Acceptance ◽  
Technology Acceptance Model ◽  
Perceived Risk ◽  
Structural Equation ◽  
Ease Of Use ◽  
Perceived Usefulness ◽  
Equation Modeling ◽  
Perceived Ease Of Use ◽  
Actual Use ◽  
Acceptance Model

<p>Potensi penggunaan e-money sangat besar dan menarik perhatian sebagai cara pembayaran alternatif di seluruh dunia. Pemerintah melalui Bank Indonesia menggerakkan masyarakat untuk melakukan Gerakan Nasional Non Tunai (GNNT). Namun, hanya lapisan masyarakat tertentu yang sudah terbiasa menggunakan transaksi dengan <em>e-money</em>. Sebagian masyarakat beranggapan bahwa transaksi pembayaran menggunakan <em>e-money</em> masih terdapat banyak kekurangan. Penelitian ini bertujuan untuk menguji <em>Technology Acceptance Model</em> (TAM) yaitu <em>perceived ease of use</em> dan <em>perceived usefulness</em>, selain itu juga menambahkan <em>perceived risk</em> untuk mengetahui pengaruh terhadap <em>attitude toward using</em> dan <em>actual use</em> terhadap penggunaan aplikasi LinkAja. Metode analisis menggunakan <em>Structural Equation Modeling</em> (SEM) dengan alat analisis SmartPLS. Penelitian ini dilakukan dengan metode survei dan sampel diambil menggunakan teknik <em>purposive sampling</em> terhadap responden yang menggunakan aplikasi LinkAja di seluruh Indonesia. Responden yang diperoleh sebanyak 200 responden. Hasil penelitian menunjukkan bahwa <em>perceived ease of use</em> dan <em>perceived usefulness</em> berpengaruh positif signifikan terhadap <em>attitude toward using</em> dan <em>actual use</em>. <em>Perceived risk</em> tidak berpengaruh signifikan terhadap <em>actual use</em> aplikasi LinkAja.</p>

scholarly journals Implementation of Mobile Payment in Indonesia

2019 ◽  
Vol 8 (2S4) ◽  
pp. 863-866 ◽  
Keyword(s):  
Perceived Risk ◽  
Structural Equation ◽  
Ease Of Use ◽  
Equation Modeling ◽  
Mobile Payment ◽  
Perceived Ease Of Use ◽  
Online Forums ◽  
Electronic Money ◽  
Multivariate Technique ◽  
Alternative Means

Indonesia is one country that has implemented several electronic payment, including storing and using electronic money. In Indonesia many products that dikelurkan electronic money banks and private parties. Examples of some mobile payment products in Indonesia is Ovo, Doku, Gopay and more as products are developed from large companies in Indonesia. This study was to determine the factors that affect the adoption of the use of electronic money in Indonesia as an alternative means of payment. Respondents Data obtained from filling the form online at Google form, which links its spread through social media such as Facebook, Twitter, and online forums. The target respondents are people who never used a mobile payment. Data were analyzed using multivariate technique structural equation modeling (SEM) using software LISREL 8. Results of data processing shows that the factors that affect the acceptance of mobile payment is electronic wordof-mouth (e-WOM), trust, perceived risk and perceived ease of use.

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