Kemudahan penggunaan, facilitating condition, keamanan teknologi dan compatibility terhadap niat menggunakan pembayaran mobile di Indonesia

Muhammad Nurhaula Huddin; Martina Rahmawati Masitoh; Khairul Ikhsan

doi:10.33603/jibm.v5i2.5764

Kemudahan penggunaan, facilitating condition, keamanan teknologi dan compatibility terhadap niat menggunakan pembayaran mobile di Indonesia

Muhammad Nurhaula Huddin, Martina Rahmawati Masitoh, Khairul Ikhsan

Abstract

Abstract: This study aims to examine ease of use, facilitating conditions, technology security and compatibility on attitude and examine its impact on intention to use mobile payment in the pandemic Covid-19 era. This study uses a quantitative approach and survey methods in data collection process. The population of this study are individuals who use mobile payment during the Covid-19 pandemic in Indonesia, especially Gopay, Dana, OVO, LinkAja and Shopeepay users. The sample in this study was taken using purposive sampling technique. We obtained 290 respondents and analyzed by using partial leans square structural equation modeling (PLS-SEM). The results showed that ease of use, facilitating conditions and compatibility had a positive and significant effect on attitudes. Attitudes had a positive and significant effect on the intention to use mobile payment. This study did not find a significant effect of technology security on attitudes.

Keywords: Indonesia; m-payment; TAM; UTAUT

Abstrak: Penelitian ini bertujuan untuk mengetahui dan menguji pengaruh kemudahan penggunaan, facilitating condition, keamanan teknologi dan compatibility terhadap sikap dan menguji dampaknya terhadap niat menggunakan layanan pembayaran mobile di masa pandemi Covid-19. Penelitian ini menggunakan pendekatan kuantitatif dengan menggunakan metode survei dalam proses pengumpulan data penelitian. Populasi penelitian ini adalah individu yang menggunakan layanan pembayaran mobile selama masa pandemi Covid-19 di Indonesia khususnya pengguna Gopay, Dana, OVO, LinkAja dan Shopeepay. Sampel pada penelitian ini diambil dengan menggunakan teknik purposive sampling. Data yang digunakan sebanyak 290 responden. Analisis data menggunakan partial leats square structural equation modeling (PLS-SEM). Hasil penelitian menunjukkan bahwa kemudahan penggunaan, facilitating condition dan compatability memiliki pengaruh positif dan signifikan terhadap sikap, sikap berpengaruh positif dan signifikan terhadap niat menggunakan layanan pembayaran mobile. Penelitian ini tidak menemukan pengaruh yang signifikan dari keamanan teknologi terhadap sikap pengguna.

Kata kunci: Indonesia; pembayaran mobile; TAM; UTAUT;

Keywords

Kemudahan penggunaan; facilitating condition; keamanan; compatability; Sikap; niat menggunakan; pembayaran mobile.

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DOI: http://dx.doi.org/10.33603/jibm.v5i2.5764

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