Analisis determinan perilaku penggunaan E-Wallet pada masa pandemi Covid-19

When Nada Milenia; Wiwiek Rabiatul Adawiyah; Najmudin Najmudin

doi:10.33603/jibm.v7i1.8254

Analisis determinan perilaku penggunaan E-Wallet pada masa pandemi Covid-19

When Nada Milenia, Wiwiek Rabiatul Adawiyah, Najmudin Najmudin

Abstract

Abstract. This study aims to analyze the determinants of e-wallet usage behavior including perceived ease of use, usability, risk and government support. The population includes students from Jenderal Soedirman University, Purwokerto, Faculty of Economics and Business. The sampling technique uses purposive sampling with the criteria of students who are still active and utilizing e-wallets during the corona-19 virus pandemic with a sample of 172 respondents using the PLS-SEM technique. The findings show that: a person's behavior in using e-wallets can be positively and partially influenced by users' perceptions of ease of use, of their usefulness, and perceptions of avoiding the risks of using cash. However, e-wallet usage behavior is not influenced by user perceptions of government support. to increase the use of e-wallets, electronic money issuers should focus on how to shape user perceptions of the ease of use and clarity of use and avoid risks when transacting using cash.

Keywords: Perceived Ease of Use; Perceived Government Support; Perceived Risk of Cash; Perceived Usefulness; Usage Behavior.

Abstrak. Studi ini bertujuan untuk menganalisis pengaruh determinan perilaku penggunaan e-wallet mencakup persepsi kemudahan penggunaan, kegunaannya, risiko serta dukungan pemerintah. Populasi meliputi para mahasiswa Universitas Jenderal Soedirman Purwokerto, Fakultas Ekonomi dan Bisnis. Teknik sampling menggunakan purposive sampling dengan kriteria mahasiswa yang masih aktif dan memanfaatkan e-wallet saat pandemic virus corona-19 dengan sampel sebanyak 172 responden menggunakan teknik PLS-SEM. Temuannya memperlihatkan bahwa: perilaku seseorang dalam penggunaan e-wallet dapat dipengaruhi secara positif dan secara parsial oleh persepsi para penggunanya pada kemudahan penggunaan, pada kegunaannya, dan persepsi menghindari risiko penggunaan uang tunai. Namun, perilaku penggunaan e-wallet tidak dipengaruhi oleh persepsi penggunanya atas dukungan pemerintah. Agar penggunaan e-wallet meningkat, sebaiknya penerbit uang elektronik menitikberatkan bagaimana membentuk persepsi penggunanya merasakan faktor kemudahan penggunaan dan kejelasan kegunaannya serta menghindari risiko ketika bertransaksi memakai uang secara tunai.

Katakunci: Perilaku Penggunaan; Persepsi Dukungan Pemerintah; Persepsi Kegunaan; Persepsi Kemudahan Penggunaan; Persepsi Risiko Uang Tunai.

Keywords

Perceived Ease of Use; Perceived Government Support; Perceived Risk of Cash; Perceived Usefulness; Usage Behavior

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DOI: http://dx.doi.org/10.33603/jibm.v7i1.8254

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