Pengaruh Privasi dan Keamanan Terhadap Niat Menggunakan Payment Fintech

Dwi Irawan; Muhammad Wildan Affan

doi:10.33603/jka.v4i1.3322

Pengaruh Privasi dan Keamanan Terhadap Niat Menggunakan Payment Fintech

Dwi Irawan, Muhammad Wildan Affan

Abstract

The 4.0 industrial revolution demands creativity and innovation in utilizing information technology. Fintech is an innovation in the financial industry, but there are many inherent risks. Therefore, this study aims to analyze the factors that influence consumers to use fintech in the payment process. This study uses theory of planned behavior in shaping research models. The sample in this study was selected using purposive sampling, from which the sampling method obtained 93 respondents. The results showed that security perceptions influence users intention to use fintech, transaction security is still considered a major thing for users of payment fintech in Indonesia, because perceived risk is a fundamental obstacle for users considering using Fintech. However, the perception of privacy does not affect users intention to use fintech, this result is possible because the technology of fintech payment in Indonesia has given breadth for its users to control their privacy. This research contributes in providing an explanation of how privacy and security can affect users intention to use payment fintech.

Keywords : Payment fintech; Privacy; Security; theory planned behavior

Abstrak

Revolusi industri 4.0 menuntut kreatifitas dan inovatif dalam memanfaatkan teknologi informasi. Fintech merupakan inovasi dalam industri keuangan, tetapi banyak risiko yang melekat. Oleh karena itu, penelitian ini bertujuan untuk menganalisis faktor yang mempengaruhi konsumen untuk menggunakan fintech dalam proses pembayaran. Penelitian ini menggunakan Theory Planned Behavior dalam membentuk model penelitian. Sampel dalam penelitian ini dipilih menggunakan purposive sampling, dimana dari metode sampling tersebut diperoleh responden sebanyak 93 orang. Hasil penelitian menunjukkan bahwa persepsi keamanan berpengaruh terhadap niat pengguna dalam menggunakan fintech, kemanan bertransaksi masih di anggap suatu hal yang utama bagi pengguna payment fintech di Indonesia, karena risiko yang dirasakan adalah hambatan mendasar bagi pengguna mempertimbangkan penggunaan Fintech. Namun, persepsi privasi tidak berpengaruh terhadap niat
pengguna dalam menggunakan fintech, hasil ini dimungkinkan karena teknologi payment fintech di Indonesia telah memberikan keluasan bagi penggunanya untuk mengontrol privasi masing-masing. Penelitian ini memberikan kontribusi dalam memberikan penjelasan tentang bagaimana privasi dan keamanan dapat mempengaruhi niat pengguna untuk menggunakan payment fintech.

Kata kunci: Keamanan; Payment fintech; Privasi; Theory of Planned Behavior

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DOI: http://dx.doi.org/10.33603/jka.v4i1.3322

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