FAKTOR-FAKTOR YANG MEMPENGARUHI NIAT PERILAKU PEMBAYARAN DIGITAL DIMEDIASI SIKAP TERHADAP PENGGUNAAN DI KOTA BATAM
Keywords:
Digital Payments, Perceived Ease of Use, Perceived Usefulness, Perceived Risk
Abstract
Penelitian ini bertujuan untuk menguji persepsi kemudahan penggunaan, persepsi kegunaan, persepsi risiko terhadap niat perilaku yang dimediasi oleh variabel sikap terhadap penggunaan. Teknik pengambilan sample dengan metode purposive sampling, kuesioner yang disebarkan sebanyak 270 responden. Pengolahan data yang dilakukan menggunakan aplikasi SmartPLS. Hasil penelitian membuktikan bahwa persepsi kemudahan penggunaan dan persepsi kegunaan berpengaruh signfikan terhadap variabel sikap terhadap penggunaan, namun, persepsi risiko tidak berpengaruh signifikan terhadap variabel sikap terhadap penggunaan. Kemudian sikap terhadap penggunaan mampu memediasi hubungan antara persepsi kemudahan kegunan, persepsi kegunaan terhadap niat perilaku, namun, sikap terhadap penggunaan tidak mampu memediasi hubungan antara persepsi risko terhadap niat perilaku.
References
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Chin, L. P. (2018). Single Platform E-Payment System Consumers’ Intention to Use. Journal of Information Technology Management, 29(2).
Denaputri, A., & Osly Usman. (2020). Effect of Perceived Trust, Perceived Security, Perceived Usefulness and Perceived Ease of Use on Customers’ Intention to Use Mobile Payment. SSRN, 1. https://papers.ssrn.com/sol3/papers.cfm?abstract_id=3511632
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Imam Ghozali, & Hengky Latan. (2015). Partial Least Squares: Konsep, Teknik dan Aplikasi Menggunakan Program SmartPLS 3.0. Badan Penerbit Universitas Diponegoro. https://openlibrary.telkomuniversity.ac.id/pustaka/117046/partial-least-squares-konsep-teknik-dan-aplikasi-menggunakan-program-smartpls-3-0-2-e-.html
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Marheni, D. K., & Melani, G. (2021). Analisis Faktor-Faktor yang Mempengaruhi Niat untuk Menggunakan Mobile Payment pada Masyarakat Kota Batam. Jesya (Jurnal Ekonomi & Ekonomi Syariah), 4(2), 804–815. https://doi.org/10.36778/jesya.v4i2.399
Mccalman, D. (2021). Attitudes and Behaviors of Egyptians Towards E-Payment Services. Journal of Organizational Psychology, 21(5). https://doi.org/10.33423/jop.v21i5.4717
Mediacenter. (2020). Transaksi Non Tunai Meningkat Selama Pandemi Covid-19. https://mediacenter.batam.go.id/2020/06/25/transaksi-non-tunai-meningkat-selama-pandemi-covid-19/
Mediacenter. (2022, August 22). Pekan QRIS Nasional di Batam, Jefridin: Beradaptasi dengan Digitalisasi. https://mediacenter.batam.go.id/2022/08/22/pekan-qris-nasional-di-batam-jefridin-beradaptasi-dengan-digitalisasi/
Monica, F., & Japarianto, E. (2022). Analisa Pengaruh Perceived Ease of Use Dan Melalui Perceived Enjoyment Terhadap Behavior Intention Pada Digital Payment. Jurnal Manajemen Pemasaran, 16(1), 9–15. https://doi.org/10.9744/pemasaran.16.1.9-15
Najdawi, A., Chabani, Z., & Said, R. (2021). Factors Impacting Digital Payment Adoption: An Empirical Evidence from Smart City of Dubai. Advances in Science, Technology and Engineering Systems Journal, 6(1), 1208–1214. https://doi.org/10.25046/aj0601137
Namira, L. (2022). Faktor-Faktor Yang Mempengaruhi Niat UMKM di Kota Padang Menggunakan e-Payment sebagai Metode Pembayaran. Owner, 6(1), 212–224. https://doi.org/10.33395/owner.v6i1.553
Naomi Adisty. (2022, May 7). Pengguna Dompet Digital di Indonesia Kian Tinggi. https://goodstats.id/article/penggunaan-dompet-digital-di-indonesia-kian-tinggi-dompet-digital-apa-paling-banyak-digunakan-0C7Nx
Panhwer, P., Pitafi, A., Memon, M. S., & Memon, A. (2020). Awareness and Reason towards Slow Adoption of E-Payment System: Study of Hyderabad. Annals of Contemporary Developments in Management & HR, 2(1), 6–21. https://doi.org/10.33166/acdmhr.2020.01.002
Pirdayanti, N. M. S., & Wiagustini, N. L. P. (2021). The Influence of Perceived Risk, Perceived of Usefulness, and Perceived Ease of Use on the use of Financial Technology. American Journal of Humanities and Social Sciences Research, 5, 428–436. www.ajhssr.com
Putra, I. T. P., & Heruwasto, I. (2022). Factors Affecting Consumer Intention To Use Qris During the Covid-19 Pandemic By Using C-Tam-Tpb. The 6thInternational Conference on Family Businessand Entrepreneurship.
Rahayu, R. (2022). Factors That Influence the Behavioural Intention to Use E-Payments in Indonesia. Ekonomis: Journal of Economics and Business, 6(1), 116. https://doi.org/10.33087/ekonomis.v6i1.504
Rantung, H. M., Tumbuan, W. J. F. A., & Gunawan…, E. M. (2020). The Determinants Influencing Behaviorial Intention To Use E-Wallet During Covid-19 Pandemic in Manado. Jurnal EMBA, 8(4), 352–360.
Raon, C. J. B., De Leon, M. V., & Dui, R. (2021). Adoption of E-Payment Systems in the Philippines. Jurnal ILMU KOMUNIKASI, 18(1), 123–134. https://doi.org/10.24002/jik.v18i1.3197
Riskinanto, A., Kelana, B., & Hilmawan, D. R. (2017). The Moderation Effect of Age on Adopting E-Payment Technology. Procedia Computer Science, 124, 536–543. https://doi.org/10.1016/j.procs.2017.12.187
Rizkyandy, R. (2016). Apa Yang Harus Dipertimbangkan Sebagai Penerimaan Pembayaran Mobile: Investigasi Faktor-Faktor Yang Mempengaruhi Niat Untuk Menggunakan Sistem Layanan T-Cash. E-Journal Uajy, July, 1–23. https://e-journal.uajy.ac.id/15609/4/MTF025823.pdf
Rodiah, S. R., & Melati, I. S. (2020). Pengaruh Kemudahan Penggunaan, Kemanfaatan, Risiko, dan Kepercayaan terhadap Minat Menggunakan E-wallet pada Generasi Milenial Kota Semarang. Journal of Economic Education and Entrepreneurship, 1(2), 66. https://doi.org/10.31331/jeee.v1i2.1293
Roslan, N. M., Tarmuji, I., Mahmud, R., & Abdul Manan, N. S. (2022). The Emergence of the E-Payment Landscape: Acknowledging the Malaysian B40’s Behavioral Intention on E-Payment Usage Article Information. International Academic Research Journal of Business and Technology, 8(2), 1–12.
Salloum, S. A., Al-Emran, M., Khalaf, R., Habes, M., & Shaalan, K. (2019). An innovative study of e-payment systems adoption in higher education: Theoretical constructs and empirical analysis. International Journal of Interactive Mobile Technologies, 13(6), 68–83. https://doi.org/10.3991/ijim.v13i06.9875
Sarkam, N. A., Mohamad Razi, N. F., Mohammad, N. H., Jamil, N. I., & Kurniawati, L. (2022). Attitudes, Security, and Perceived Ease of Use Influence The Consumers’ Decision to Use An E-payment System. International Journal of Academic Research in Business and Social Sciences, 12(3), 357–368. https://doi.org/10.6007/ijarbss/v12-i3/12884
Shabrina, Z., Yuliati, L. N., & Simanjuntak, M. (2018). The Effects of Religiousity, Pricing and Corporate Image on The Attitude and The Intention to Use Sharia Micro Financing. Indonesian Journal of Business and Entrepreneurship, 4(2), 197–206. https://doi.org/10.17358/ijbe.4.2.197
Sudono, F. S., Adiwijaya, M., & Siagian, H. (2020). The Influence of Perceived Security and Perceived Enjoyment on Intention To Use with Attitude Towards Use as Intervening Variable on Mobile Payment Customer in Surabaya. Petra International Journal of Business Studies, 3(1), 37–46. https://doi.org/10.9744/ijbs.3.1.37-46
Wahyuni, N. D. (2017, April 1). Warga AS Suka Pakai Kartu Kredit, Bagaimana Orang Asia? https://www.liputan6.com/bisnis/read/2901152/warga-as-suka-pakai-kartu-kredit-bagaimana-orang-asia
Alswaigh, N. Y., & Aloud, M. E. (2021). Factors Affecting User Adoption of E-Payment Services Available in Mobile Wallets in Saudi Arabia. IJCSNS International Journal of Computer Science and Network Security, 21(6), 222. https://doi.org/10.22937/IJCSNS.2021.21.6.29
Anifa, F., Anisa, A., Fadhila, N., & Prawira, I. F. A. (2020). Tingkat Kemudahan dan Manfaat pada Penggunaan Layanan Go-Pay bagi Minat Pengguna di Indonesia. Organum: Jurnal Saintifik Manajemen Dan Akuntansi, 3(1), 37–49. https://doi.org/10.35138/organum.v3i1.75
Asmadi, E. (2018). Aspects of Legal Protection for Consumers in the Use of Electronic Payment Applications. Doktrina: Journal of Law, 1(2), 90–103. http://ojs.uma.ac.id/index.php/doktrina
BankIndonesia. (2019). QRIS, Satu QR Code Untuk Semua Pembayaran. https://www.bi.go.id/id/publikasi/ruang-media/news-release/Pages/SP_216219.aspx
Batampos. (2023, July 23). Makin diminati, Pengurusan QRIS di Batam. https://batampos.jawapos.com/metro-life/23/07/2023/makin-diminati-ini-cara-pengurusan-qris-di-batam/
Bezhovski, Z. (2016). The Future of the Mobile Payment as Electronic Payment System. European Journal of Business and Management, 8(8), 127–132.
BPS. (2020). Penduduk Kota Batam Menurut Kelompok Umur dan Jenis Kelamin (Jiwa) Tahun 2018-2020. https://batamkota.bps.go.id/indicator/12/215/1/jumlah-penduduk-menurut-kelompok-umur-dan-jenis-kelamin.html
Chin, L. P. (2018). Single Platform E-Payment System Consumers’ Intention to Use. Journal of Information Technology Management, 29(2).
Denaputri, A., & Osly Usman. (2020). Effect of Perceived Trust, Perceived Security, Perceived Usefulness and Perceived Ease of Use on Customers’ Intention to Use Mobile Payment. SSRN, 1. https://papers.ssrn.com/sol3/papers.cfm?abstract_id=3511632
Erwin Haryono. (2021, February 10). BI dan Industri Targetkan Perluasan QRIS Capai12 Juta Merchant di 2021. https://www.bi.go.id/id/publikasi/ruang-media/news-release/Pages/sp_233721.aspx
Haidari, M. B., & Tileng, K. G. (2018). Analisa Faktor-Faktor Berpengaruh pada Penggunaan Go-Pay. Jurnal Informatika Dan Sistem Informasi (JUISI) Universitas Ciputra, 04(01), 10–15.
Handayani, V. A., Tarsila, H., Hidayati, E., Saputri, R., & Parero, J. (2023). Persepsi Masyarakat Kota Batam Terhadap Transformasi Digital Payment. Jurnal ITEBA, 1(2), 12–18. https://journal.iteba.ac.id/index.php/jurnalsiteba/article/view/61
Hidayanto, A. N., Hidayat, L. S., Sandhyaduhita, P. I., & Handayani, P. W. (2015). Examining the relationship of payment system characteristics and behavioural intention in e-payment adoption: A case of Indonesia. International Journal of Business Information Systems, 19(1), 58–86. https://doi.org/10.1504/IJBIS.2015.069065
Hidayat, J. A. J. (2023). Bayar Pajak di Batam Bisa Melalui QRIS. https://kepri.antaranews.com/berita/163275/bayar-pajak-di-batam-bisa-melalui-qris
Houston, D. D. (2020). Adopsi Penerimaan Digital Payment Pada Kalangan Milenial. Medium, 7(2), 55–67. https://doi.org/10.25299/medium.2019.vol7(2).4094
Imam Ghozali, & Hengky Latan. (2015). Partial Least Squares: Konsep, Teknik dan Aplikasi Menggunakan Program SmartPLS 3.0. Badan Penerbit Universitas Diponegoro. https://openlibrary.telkomuniversity.ac.id/pustaka/117046/partial-least-squares-konsep-teknik-dan-aplikasi-menggunakan-program-smartpls-3-0-2-e-.html
Kelana, B., Riskinanto, A., & Hilamawan, D. R. (2017). The acceptance of E-payment among Indonesian millennials. Proceedings - 2017 International Conference on Sustainable Information Engineering and Technology, SIET 2017, 2018-Janua, 348–352. https://doi.org/10.1109/SIET.2017.8304162
Lianovanda, D. (2022). Mengenal Apa Itu E-Payment, Contoh, dan Manfaatnya bagi Bisnis! https://blog.skillacademy.com/e-payment-adalah
Marheni, D. K., & Melani, G. (2021). Analisis Faktor-Faktor yang Mempengaruhi Niat untuk Menggunakan Mobile Payment pada Masyarakat Kota Batam. Jesya (Jurnal Ekonomi & Ekonomi Syariah), 4(2), 804–815. https://doi.org/10.36778/jesya.v4i2.399
Mccalman, D. (2021). Attitudes and Behaviors of Egyptians Towards E-Payment Services. Journal of Organizational Psychology, 21(5). https://doi.org/10.33423/jop.v21i5.4717
Mediacenter. (2020). Transaksi Non Tunai Meningkat Selama Pandemi Covid-19. https://mediacenter.batam.go.id/2020/06/25/transaksi-non-tunai-meningkat-selama-pandemi-covid-19/
Mediacenter. (2022, August 22). Pekan QRIS Nasional di Batam, Jefridin: Beradaptasi dengan Digitalisasi. https://mediacenter.batam.go.id/2022/08/22/pekan-qris-nasional-di-batam-jefridin-beradaptasi-dengan-digitalisasi/
Monica, F., & Japarianto, E. (2022). Analisa Pengaruh Perceived Ease of Use Dan Melalui Perceived Enjoyment Terhadap Behavior Intention Pada Digital Payment. Jurnal Manajemen Pemasaran, 16(1), 9–15. https://doi.org/10.9744/pemasaran.16.1.9-15
Najdawi, A., Chabani, Z., & Said, R. (2021). Factors Impacting Digital Payment Adoption: An Empirical Evidence from Smart City of Dubai. Advances in Science, Technology and Engineering Systems Journal, 6(1), 1208–1214. https://doi.org/10.25046/aj0601137
Namira, L. (2022). Faktor-Faktor Yang Mempengaruhi Niat UMKM di Kota Padang Menggunakan e-Payment sebagai Metode Pembayaran. Owner, 6(1), 212–224. https://doi.org/10.33395/owner.v6i1.553
Naomi Adisty. (2022, May 7). Pengguna Dompet Digital di Indonesia Kian Tinggi. https://goodstats.id/article/penggunaan-dompet-digital-di-indonesia-kian-tinggi-dompet-digital-apa-paling-banyak-digunakan-0C7Nx
Panhwer, P., Pitafi, A., Memon, M. S., & Memon, A. (2020). Awareness and Reason towards Slow Adoption of E-Payment System: Study of Hyderabad. Annals of Contemporary Developments in Management & HR, 2(1), 6–21. https://doi.org/10.33166/acdmhr.2020.01.002
Pirdayanti, N. M. S., & Wiagustini, N. L. P. (2021). The Influence of Perceived Risk, Perceived of Usefulness, and Perceived Ease of Use on the use of Financial Technology. American Journal of Humanities and Social Sciences Research, 5, 428–436. www.ajhssr.com
Putra, I. T. P., & Heruwasto, I. (2022). Factors Affecting Consumer Intention To Use Qris During the Covid-19 Pandemic By Using C-Tam-Tpb. The 6thInternational Conference on Family Businessand Entrepreneurship.
Rahayu, R. (2022). Factors That Influence the Behavioural Intention to Use E-Payments in Indonesia. Ekonomis: Journal of Economics and Business, 6(1), 116. https://doi.org/10.33087/ekonomis.v6i1.504
Rantung, H. M., Tumbuan, W. J. F. A., & Gunawan…, E. M. (2020). The Determinants Influencing Behaviorial Intention To Use E-Wallet During Covid-19 Pandemic in Manado. Jurnal EMBA, 8(4), 352–360.
Raon, C. J. B., De Leon, M. V., & Dui, R. (2021). Adoption of E-Payment Systems in the Philippines. Jurnal ILMU KOMUNIKASI, 18(1), 123–134. https://doi.org/10.24002/jik.v18i1.3197
Riskinanto, A., Kelana, B., & Hilmawan, D. R. (2017). The Moderation Effect of Age on Adopting E-Payment Technology. Procedia Computer Science, 124, 536–543. https://doi.org/10.1016/j.procs.2017.12.187
Rizkyandy, R. (2016). Apa Yang Harus Dipertimbangkan Sebagai Penerimaan Pembayaran Mobile: Investigasi Faktor-Faktor Yang Mempengaruhi Niat Untuk Menggunakan Sistem Layanan T-Cash. E-Journal Uajy, July, 1–23. https://e-journal.uajy.ac.id/15609/4/MTF025823.pdf
Rodiah, S. R., & Melati, I. S. (2020). Pengaruh Kemudahan Penggunaan, Kemanfaatan, Risiko, dan Kepercayaan terhadap Minat Menggunakan E-wallet pada Generasi Milenial Kota Semarang. Journal of Economic Education and Entrepreneurship, 1(2), 66. https://doi.org/10.31331/jeee.v1i2.1293
Roslan, N. M., Tarmuji, I., Mahmud, R., & Abdul Manan, N. S. (2022). The Emergence of the E-Payment Landscape: Acknowledging the Malaysian B40’s Behavioral Intention on E-Payment Usage Article Information. International Academic Research Journal of Business and Technology, 8(2), 1–12.
Salloum, S. A., Al-Emran, M., Khalaf, R., Habes, M., & Shaalan, K. (2019). An innovative study of e-payment systems adoption in higher education: Theoretical constructs and empirical analysis. International Journal of Interactive Mobile Technologies, 13(6), 68–83. https://doi.org/10.3991/ijim.v13i06.9875
Sarkam, N. A., Mohamad Razi, N. F., Mohammad, N. H., Jamil, N. I., & Kurniawati, L. (2022). Attitudes, Security, and Perceived Ease of Use Influence The Consumers’ Decision to Use An E-payment System. International Journal of Academic Research in Business and Social Sciences, 12(3), 357–368. https://doi.org/10.6007/ijarbss/v12-i3/12884
Shabrina, Z., Yuliati, L. N., & Simanjuntak, M. (2018). The Effects of Religiousity, Pricing and Corporate Image on The Attitude and The Intention to Use Sharia Micro Financing. Indonesian Journal of Business and Entrepreneurship, 4(2), 197–206. https://doi.org/10.17358/ijbe.4.2.197
Sudono, F. S., Adiwijaya, M., & Siagian, H. (2020). The Influence of Perceived Security and Perceived Enjoyment on Intention To Use with Attitude Towards Use as Intervening Variable on Mobile Payment Customer in Surabaya. Petra International Journal of Business Studies, 3(1), 37–46. https://doi.org/10.9744/ijbs.3.1.37-46
Wahyuni, N. D. (2017, April 1). Warga AS Suka Pakai Kartu Kredit, Bagaimana Orang Asia? https://www.liputan6.com/bisnis/read/2901152/warga-as-suka-pakai-kartu-kredit-bagaimana-orang-asia
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