FAKTOR-FAKTOR YANG MEMENGARUHI BEHAVIOURAL INTENTION PENGGUNAAN MOBILE WALLET SHOPEEPAY DI SURABAYA
Abstract Views:
36 times
PDF Downloads:
34 times
Abstract
Abstract—The rapid development of technology in developing countries has resulted in high growth in recent years. Coupled with the support of the internet and mobile phone networks that have changed people's habits, especially in payment methods that were originally in the barter system, money and nowadays called mobile wallets that are inherent and have many payment options with a single scan and are fast and precise. People will not feel worried about losing money in one hand in the form of a smartphone. and some smartphones are equipped with NFC (Near-Field Communication) chips that only need to be tapped to make payments. This research aims to understand the factors that influence the use to adopt ShopeePay mobile wallet in Indonesia. There are 190 questionnaire results collected from ShopeePay users in Surabaya, then the data is analyzed using the Structural Equation Model (SEM) with data processing using Analysis Moment of Structural (AMOS) software. The results of this study indicate that performance expectancy (PE), effort expectancy (EE), social influence (SI), facilitating conditions (FC), perceived value (PV), perceived risk (PR), perceived trust (PT), perceived regulatory support (PRS), promotional benefits (PB) are proven to be factors that significantly influence behavioral intention (BI) of ShopeePay mobile wallet in Surabaya.
Keywords: performance expectancy, behavioural intention, mobile wallet
Abstrak—Perkembangan teknologi yang pesat di negara-negara berkembang telah menghasilkan prtumbuhan yang tinggi dalam beberapa tahun terakhir ini. Ditambah dengan dukungan jaringan internet dan mobile phone yang telah mengubah kebiasan orang apalagi dalam metode pembayaran yang dari awal dalam system barter, uang dan saat ini disebut mobile wallet yang sudah melekat dan memiliki banyak pilihan pembayaran dengan sekali scan dan cepat dan tepat. Orang-orang tidak akan merasa khawatir dengan kehilangan uang sudah cuku dalam satu genggaman dalam bentuk smartphone.dan beberapa smarthphone telah dilengkapi dengan NFC (Near-Field Communication) chip yang hanya perlu di tap untuk melakukan pembayaran. Penelitian ini bertujuan untuk dapat mengerti factor-faktor yang mempengaruhi penggunaan untuk mengadopsi mobile wallet ShopeePay di Indonesia. Terdapat 190 hasil kuesioner yang dikumpulakn dari pengguna ShopeePay di Surabaya kemudian data analisis menggunakan Structural Equation Model (SEM) dengan pengolahan data menggunakan software Analysis Moment of Structural (AMOS). Hasil penelitian ini menunjukan bahwa performance expectancy (PE), effort expectancy (EE), social influence (SI), facilitating conditions (FC), perceived value (PV), perceived risk (PR), perceived trust (PT), perceived regulatory support (PRS), promotional benefits (PB) terbukti sebagai factor yang signifikan mempengaruhi behavioural intention (BI) mobile wallet ShopeePay di Surabaya.
Kata Kunci: performance expectancy, behavioural intention, mobile wallet
Downloads
References
Alalwan, A.A., Dwivedi, Y.K. and Rana, N.P. (2017), “Factors influencing adoption of mobile banking by Jordanian bank customers: extending UTAUT2 with trust”, International Journal of Information Management, Vol. 37 No. 3, pp. 99-110.
Alalwan, A.A., Dwivedi, Y.K., Rana, N.P. and Williams, M.D. (2016), “Consumer adoption of mobile banking in Jordan: examining the role of usefulness, ease of use, perceived risk and self-efficacy”, Journal of Enterprise Information Management, Vol. 29 No. 1, pp. 118-139.
Bere, A. (2014), “Exploring determinants for mobile learning user acceptance and use: an application of UTAUT”, 2014 11th International Conference on Information Technology: New Generations (ITNG), IEEE, April, pp. 84-90.
Chen, Y. C., & Lin, S. K. (2019). Intention to Apply Mobile Device in Emergency Medical Service Sites for Fire Fighters. Procedia Manufacturing, 30, 357–364. https://doi.org/10.1016/j.promfg.2019.02.050
Chandran, P. (2016), “Tech-savvy Indians shop with ‘cashless’ wallets”, The Hindu, available at: www.thehindu.com/business/Industry/techsavvy-indians-shop- with-cashless-wallets/article8320850.ece (accessed 21 May 2016).
Chong, A.Y.L. (2013a), “A two-staged SEM-neural network approach for understanding and predicting the determinants of m-commerce adoption”, Expert Systems with Applications, Vol. 40 No. 4, pp. 1240-1247.
Deng, S., Liu, Y. and Qi, Y. (2011), “An empirical study on determinants of webbased question-answer services adoption”, Online Information Review, Vol. 35 No. 5, pp. 789-798.
Gupta, K., Arora, N (2020). Investigating Consumer Intention to Accept Mobile Payment Systems Through Unified Theory of Acceptance Model.South Asian Journal of Business Studies. 9(1), 88-114.
Gao, T. and Deng, Y. (2012), “A study on users’ acceptance behavior to mobile e- books application based on UTAUT model”, 2012 IEEE 3rd International Conference on Software Engineering and Service Science (ICSESS), IEEE, June, pp. 376-379.
Hayashi, F. (2012), “Mobile payments: what’s in it for consumers?”, Economic Review, Vol. QI, pp. 35-66.
Hair, Jr et al,. (2010). Multivariate Data Analysis (7th ed). United States : Pearson. Hubert, M., Blut, M., Brock, C., Backhaus, C. and Eberhardt, T. (2017), “Acceptance of smartphone-based mobile shopping: mobile benefits, customer characteristics, perceived risks, and the impact of application context”, Psychology & Marketing, Vol. 34 No. 2, pp. 175-194.
Hussan, M., Mollik, A. T., Johns, R., dan Rahman, M. S. (2019). M-Payment Adoption of Pyramid Segment: an Empirical Investigation. International Journal of Bank Marketing. 37(1), 362-381.
Madan, K., Madan, K., Yadav, R. and Yadav, R. (2016), “Behavioural intention to adopt mobile wallet: a developing country perspective”, Journal of Indian Business Research, Vol. 8 No. 3, pp. 227-244.
Oliveira, T., Thomas, M., Baptista, G. and Campos, F. (2016), “Mobile payment: understanding the determinants of customer adoption and intention to recommend the technology”, Computers in Human Behavior, Vol. 61, pp. 404- 414.
Owusu Kwateng, K., Osei Atiemo, K.A. and Appiah, C. (2018), “Acceptance and use of mobile banking: an application of UTAUT2”, Journal of Enterprise Information Management.
Rahma, F.I.R (2018) Persepsi Masyarakat Kota Medan Terhadap Pengguna Financial Tecnology (FINTECH).
Shen, S. (2015), “Report highlight for market trends: mobile payment – the way forward”, Gartner, (accessed 21 May 2016).
Shin, D.H. (2009), “Towards an understanding of the consumer acceptance of mobile wallet”, Computers in Human Behavior, Vol. 25 No. 6, pp. 1343-1354.
Shopee.id (2018). Tentang ShopeePay. From https://shopee.co.id/accesed 10 October 2021)
Singh, S. (2014), “Customer perception of mobile banking: an empirical study in national capital region Delhi”, Journal of Internet Banking and Commerce, Vol. 19 No. 3, pp. 1-22.
Slade, E., Williams, M., Dwivedi, Y. and Piercy, N. (2015), “Exploring consumer adoption of proximity mobile payments”, Journal of Strategic Marketing, Vol. 23 No. 3, pp. 209-223.
Tan, H., G dan Teo, C., A., Ooi, B., K., Hew, S., T., Yew, T., K. (2015) The Effects of Convenience and Speed in M-Payment. Industrial Management & Data System. 115(2), 311-311.
Venkatesh, V., Morris, M.G., Davis, G.B. and Davis, F.D. (2003), “User acceptance of information technology: toward a unified view”, MIS Quarterly, Vol. 27 No. 3, pp. 425-478.
Venkatesh, V., Thong J. Y. L., & Xu X. (2012). Consumer Acceptance and Use of Information Technology: Extending The Unified Theory of Acceptance and Use of Technology. MIS Quarterly, 36(1), 157-178.
Wang, G., Putri, N.M., Christianto, A., dan W,D.H. (2019). An Empirical xamination of Characteristics of Mobile Payment Users in Indonesia,
Zikmund et al,. (2009). Business Research Methods. Edisi 8. South-Western
- Articles published in CALYPTRA are licensed under a Creative Commons Attribution-ShareAlike 4.0 International license. You are free to copy, transform, or redistribute articles for any lawful purpose in any medium, provided you give appropriate credit to the original author(s) and the journal, link to the license, indicate if changes were made, and redistribute any derivative work under the same license.
- Copyright on articles is retained by the respective author(s), without restrictions. A non-exclusive license is granted to CALYPTRA to publish the article and identify itself as its original publisher, along with the commercial right to include the article in a hardcopy issue for sale to libraries and individuals.
- By publishing in CALYPTRA, authors grant any third party the right to use their article to the extent provided by the Creative Commons Attribution-ShareAlike 4.0 International license.
