Determinan Penggunaan E-Money dengan Pendekatan Model UTAUT 2 dan Risiko yang Dirasakan
Abstract
The research objective is to analyze what factors influence the use of e-money with the extended unified theory of acceptance and use of technology (UTAUT2) theoretical approach. Data collection using a questionnaire. The research sample was e-money users aged 17-35 years as a proxy for the millennial generation in Mataram City with a total of 287 respondents. The results of empirical data testing show that the behavioral intention variable has a significant positive effect on use behavior, the habit and perceived risk variables have a significant effect on behavioral intention, the perceived risk variable has a significant positive effect on financial risk, performance risk, and privacy risk and habit has a significant effect on use behavior. Meanwhile, the variable effort expectancy, facilitating conditions, hedonic motivation, performance expectancy, price value, and social influence do not affect behavioral intention and facilitating conditions do not affect use behavior.
Keywords: Determinant; E-Money; Risk; UTAUT 2
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References
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Bendi, R. K. J., & Sri Andayani. (2013). Penerapan Model UTAUT untuk memahami perilaku penggunasistem informasi akademik.
BI. (2018). PERATURAN BANK INDONESIA NOMOR 20/6/PBI/2018 TENTANG UANG ELEKTRONIK. https://www.bi.go.id/elicensing/helps/PBI-200618 UE.pdf
Boksberger, P. E., & Melsen, L. (2011). Perceived value: A critical examination of definitions, concepts and measures for the service industry. Journal of Services Marketing, 25(3), 229–240. https://doi.org/10.1108/08876041111129209
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Darmansyah. (2017). Model Acceptance of Accounting Information System Untuk Mengidentifikasi.
Dipanegara, F. (2019). Blueprint Sistem Pembayaran Indonesia 2025. https://www.bi.go.id/id/publikasi/kajian/Pages/Blueprint-Sistem-Pembayaran-Indonesia-2025.aspx
Euis Widanengsih. (2021). Penerapan Unified Theory Of Acceptance And Use Of Technology Model Untuk Mengukur Perilaku Pengguna Aplikasi Akuntansi Pada Usaha Kecil Dan Menengah. 2(3), 146–160.
Farivar, S., Turel, O., & Yuan, Y. (2018). Skewing users’ rational risk considerations in social commerce: An empirical examination of the role of social identification. Information and Management, 55(8), 1038–1048. https://doi.org/10.1016/j.im.2018.05.008
Ghozali, I. (2011). Structural Equation Modeling Metode Alternatif dengan Partial Least Square (PLS) (3rd ed.). Semarang : Undip.
Gupta, A., & Dogra, N. (2017). Tourist adoption of mapping apps: A UTAUT2 perspective of smart travellers. Tourism and Hospitality Management, 23(2), 145–161. https://doi.org/10.20867/thm.23.2.6
Han, M. C., & Kim, Y. (2017). Why Consumers Hesitate to Shop Online: Perceived Risk and Product Involvement on Taobao.com. Journal of Promotion Management, 23(1), 24–44. https://doi.org/10.1080/10496491.2016.1251530
Handayani, T., & Sudiana, S. (2017). Analisis Penerapan Model Utaut (Unified Theory of Acceptance and Use of Technology) Terhadap Perilaku Pengguna Sistem Informasi (Studi Kasus: Sistem Informasi Akademik Pada Sttnas Yogyakarta). Angkasa: Jurnal Ilmiah Bidang Teknologi, 7(2), 165. https://doi.org/10.28989/angkasa.v7i2.159
Icek Ajzen. (2002). Residual Effects of Past on Later Behavior: Habituation and Reasoned Action Perspectives. Personality and Social Psychology Review, 6(2), 107–122. https://doi.org/10.1207/S15327957PSPR0602
Imtiaz, S. (2020). The Studies of Unified Theory of Acceptance and Use of Technology ( UTAUT ) in M-Commerce Context The Studies of Unified Theory of Acceptance and Use of Technology ( UTAUT ) in M-Commerce Context. June 2018.
Indah, M., & Agustin, H. (2019). Penerapan Model Utaut (Unified Theory Of Acceptance And Use Of Technology) Untuk Memahami Niat Dan Perilaku Aktual Pengguna Go-Pay Di Kota Padang. Jurnal Eksplorasi Akuntansi, 1(4), 1949–1967. https://doi.org/10.24036/jea.v1i4.188
Kim, H. W., Chan, H. C., & Gupta, S. (2007). Value-based Adoption of Mobile Internet: An empirical investigation. Decision Support Systems, 43(1), 111–126. https://doi.org/10.1016/j.dss.2005.05.009
Kim, S. S., & Malhotra, N. K. (2005). A longitudinal model of continued IS use: An integrative view of four mechanisms underlying postadoption phenomena. Management Science, 51(5), 741–755. https://doi.org/10.1287/mnsc.1040.0326
Kirana, N. (2016). Analisis Faktor-Faktor Yang Dengan Menggunakan Model UTAUT ( Studi Empiris pada Pengguna Sistem Informasi Akuntansi di Bank Mandiri ).
Kurniawan, A. T., & Endahjati, S. (2020). Faktor yang Mempengaruhi Keberterimaan Penggunaan Uang Digital di Masyarakat Kota Yogyakarta. Jurnal Akuntansi Keuangan Dan Bisnis, 13(2), 1–10.
Liao, C., Palvia, P., & Lin, H. N. (2006). The roles of habit and web site quality in e-commerce. International Journal of Information Management, 26(6), 469–483. https://doi.org/10.1016/j.ijinfomgt.2006.09.001
Limayem, M., Hirt, S. G., & Cheung, C. M. K. (2007). How habit limits the predictive power of intention: The case of information systems continuance. MIS Quarterly: Management Information Systems, 31(4), 705–737. https://doi.org/10.2307/25148817
Macedo, I. M. (2017). Predicting the acceptance and use of information and communication technology by older adults: An empirical examination of the revised UTAUT2. Computers in Human Behavior, 75, 935–948. https://doi.org/10.1016/j.chb.2017.06.013
Mahande, R. D., & Jasruddin. (2016). UTAUT Model : Suatu Pendekatan Evaluasi Penerimaan E-Learning pada Program Pascasarjana. Prosiding Seminar Nasional. https://www.researchgate.net/publication/323905954_UTAUT_Model_Suatu_Pendekatan_Evaluasi_Penerimaan_E-Learning_pada_Program_Pascasarjana
Maharani, W., & Darmawan, S. S. A. (2020). Analisis Pola Konsumsi Masyarakat Kota Batam Berdasarkan Penggunaan E-Money Berbasis Aplikasi. Jurnal Akuntansi, Ekonomi Dan Manajemen Bisnis, 8(2), 248–262. https://doi.org/https://doi.org/10.30871/jaemb.v8i2.2690
Merhi, M., Hone, K., & Tarhini, A. (2019). A cross-cultural study of the intention to use mobile banking between Lebanese and British consumers: Extending UTAUT2 with security, privacy and trust. Technology in Society, 59(June), 101151. https://doi.org/10.1016/j.techsoc.2019.101151
Mustaqim, R., Kusyanti, A., & Aryadita, H. (2018). Analisis Faktor-Faktor yang Memengaruhi Niat Penggunaan E-Commerce XYZ Menggunakan Model UTAUT (Unified Theory Acceptance and Use Of Technology). Jurnal Pengembangan Teknologi Informasi Dan Ilmu Komputer, 2(7), 2584–2593.
Muttaqin, M., & Prihandoko. (2018). Analisa Pemanfaatan Sistem Informasi E-Office Pada Universitas Pembangunan Panca Budi Medan Dengan Menggunakan Metode UTAUT. Jurnal Teknik Dan Informatika, 5(1), 40–43.
Nasir, M. (2013). Evaluasi Penerimaan Teknologi Informasi Mahasiswa di Palembang Menggunakan Model UTAUT. Seminar Nasional Aplikasi Teknologi Informasi (SNATI), 1(1), 15–2013. https://journal.uii.ac.id/Snati/article/view/3006
Negahban, A., & Chung, C. H. (2014). Discovering determinants of users perception of mobile device functionality fit. Computers in Human Behavior, 35, 75–84. https://doi.org/10.1016/j.chb.2014.02.020
Nugraha, G. S., & Yadnyana, K. (2018). Penerapan Model UTAUT dalam Menjelaskan Faktor Minat dan Penggunaan Sistem Informasi Manajemen Daerah. E-Jurnal Akuntansi Universitas Udayana, 959-987, 24(2), 959–987. https://doi.org/10.24843/EJA.2018.v24.i02.p06
Nurlita Novianti, Z. B. (2010). Faktor-Faktor yang Mempengaruhi Minat Pemanfaatan Sistem Informasi Berbasis Komputer dengan Gender sebagai Variabel Moderating. Jurnal Akuntansi Multiparadigma, December 2010. https://doi.org/10.18202/jamal.2010.12.7100
Onibala, A. A., Rindengan, Y., & Lumenta, A. S. (2021). Analisis Penerapan Model UTAUT 2 ( Unified Theory Of Acceptancy And Use Of Technology 2 ) Terhadap E-Kinerja Pada Pemerintah Provinsi Sulawesi Utara. E-Journal Teknik Informatika, 2, 1–13.
Petrick, J. F. (2002). Development of a multi-dimensional scale for measuring the perceived value of a service. Journal of Leisure Research, 34(2), 119–134. https://doi.org/10.1080/00222216.2002.11949965
Piarna, R., & Fathurohman, F. (2019). Adopsi E-Commerce Pada Umkm Di Kota Subang Menggunakan Model Utaut. Jurnal Ilmiah Ilmu Dan Teknologi Rekayasa, 2(1). https://doi.org/10.31962/jiitr.v2i1.13
Piarna, R., Fathurohman, F., & Nugraha, N. (2020). Understanding online shopping adoption : The unified theory of acceptance and the use of technology with perceived risk in millennial consumers context. Jurnal Ilmiah Bidang Akuntansi Dan Manajemen, 17(1), 51–66. https://doi.org/10.31106/jema.v17i1.5050
Putri, R. A., & Jumhur, H. M. (2019). Peminat Aplikasi Blibli.Com Dengan Menggunakan Model Unified Theory of Acceptance and Use of Technology (Utaut). Jurnal Riset Bisnis Dan Manajemen, 12(1), 16–23.
Putri, Y. E., Wiryono, S. K., & Nainggolan, Y. A. (2019). Method of Payment Adoption in Indonesia E-Commerce. 12(2), 94–102.
Reza Mahendra, A. (2003). Faktor-Faktor Yang Mempengaruhi Minat Pemanfaatan Sistem Informasi Pengelola Keuangan Daerah (SIPKD). Records Management Journal, 1(2), 1–15.
Sedana, I. G. N., & Wijaya, S. W. (2012). Penerapan Model Utaut Untuk Memahami Penerimaan Dan Penggunaan Learning Management System Studi Kasus: Experential E-Learning of Sanata Dharma University. Jurnal Sistem Informasi, 5(2), 114. https://doi.org/10.21609/jsi.v5i2.271
Shaw, N., & Sergueeva, K. (2019). The non-monetary benefits of mobile commerce: Extending UTAUT2 with perceived value. International Journal of Information Management, 45(December 2017), 44–55. https://doi.org/10.1016/j.ijinfomgt.2018.10.024
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Published
2023-01-26
How to Cite
NURABIAH, Nurabiah; PUSPARINI, Herlina; FITRIYAH, Nur.
Determinan Penggunaan E-Money dengan Pendekatan Model UTAUT 2 dan Risiko yang Dirasakan.
E-Jurnal Akuntansi, [S.l.], v. 33, n. 1, p. 180-201, jan. 2023.
ISSN 2302-8556.
Available at: <https://ojs.unud.ac.id/index.php/akuntansi/article/view/91940>. Date accessed: 21 may 2024.
doi: https://doi.org/10.24843/EJA.2023.v33.i01.p14.
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