Analisis Faktor-Faktor yang Mempengaruhi Niat untuk Menggunakan Mobile Payment pada Masyarakat Kota Batam

  • Dewi Khornida Marheni Universitas Internasional Batam
  • Gracia Melani Univresitas Internasional Batam

Abstract

Mobile payment sebagai sistem pembayaran baru dengan teknologi membuat calon pengguna mempertimbangkan berbagai faktor sebelum berniat menggunakan. Penelitian bertujuan untuk mengetahui apakah faktor-faktor berupa persepsi biaya, persepsi resiko keuangan, usia, persepsi kemudahan penggunaan, dan persepsi keamanan mempengaruhi niat menggunakan mobile payment. Sebanyak 414 responden masyarakat Kota Batam digunakan sebagai subjek penelitian melalui penyebaran kuesioner. Penelitian menggunakan pendekatan kuantitatif dengan pengujian data primer melalui SEM-PLS. Hasil menunjukkan bahwa resiko keuangan, keamanan, serta kemudahan penggunaan menjadi faktor penentu niat penggunaan mobile payment. Namun, persepsi biaya tidak ditemukan hubungan yang signifikan. Usia juga tidak ditemukan hubungan yang signifikan terhadap kemudahan penggunaan mobile payment.

Keywords: Mobile Payment, Niat untuk Menggunakan, Fintech, Cashless

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Published
2021-06-01

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