Determinan Intensi Penggunaan QRIS Pada Masyarakat Provinsi Kepulauan Bangka Belitung
Main Article Content
Abstract
Penelitian ini bertujuan untuk melihat dan mengetahui determinan intensi penggunaan QRIS menggunakan model Integrated Model on Mobile Payment (IMMPA).. Sampel penelitian berjumlah 200 responden dengan pengambilan sampel menggunakan teknik purposive sampling. Riset ini merupakan penelitian kuantitatif yang menggunakan data sekunder. Metode analisis menggunakan pendekatan Structural Equation Model (SEM) dengan memanfaatkan software pengolah data AMOS 26. Hasil pengujian menunjukan bahwa variabel terdapat pengaruh antara variabel easy of use, intention of use, attitude towards mobile payment, compability, trust dan risk terhadap behavior intention. Sementara dari hasil uji hipotesis terbukti sehingga tidak ada pengaruh antara usefulness, easy of use, dan security terhadap intention of use.
Downloads
Article Details
This work is licensed under a Creative Commons Attribution-ShareAlike 4.0 International License.
References
Abrahão, R. de S., Moriguchi, S. N., & Andrade, D. F. (2016). Intention of adoption of mobile payment: An analysis in the light of the Unified Theory of Acceptance and Use of Technology (UTAUT). RAI Revista de Administração e Inovação, 13(3), 221–230. https://doi.org/10.1016/j.rai.2016.06.003
Andrean Septa Yogananda, I. M. B. D. (2017). Pengaruh Persepsi Manfaat, Persepsi Kemudahan Penggunam Kepercayaan dan Persepsi Risiko Terhadap Niat Untuk Menggunakan Instrumen Uang Elektronik. Journal Of Management, 6(4).
Bank Indonesia. (2019). Lampiran Siaran Pers No. 21/62/ Dkom. https://www.bi.go.id/id/publikasi/ruang-media/news-release/Documents/FAQ-QRIS-17082019.pdf
Bank Indonesia. (2020). Jumlah Uang Elektronik Beredar. Bank Indonesia, April 2009, 2019. https://www.bi.go.id/id/statistik/sistem-pembayaran/uang-elektronik/Contents/Jumlah Uang Elektronik.aspx
Di Pietro, L., Guglielmetti Mugion, R., Mattia, G., Renzi, M. F., & Toni, M. (2015a). The Integrated Model on Mobile Payment Acceptance (IMMPA): An empirical application to public transport. Transportation Research Part C: Emerging Technologies, 56, 463–479. https://doi.org/10.1016/j.trc.2015.05.001
Di Pietro, L., Guglielmetti Mugion, R., Mattia, G., Renzi, M. F., & Toni, M. (2015b). The Integrated Model on Mobile Payment Acceptance (IMMPA): An empirical application to public transport. Transportation Research Part C: Emerging Technologies, 56, 463–479. https://doi.org/10.1016/j.trc.2015.05.001
Fitri Jayanti, N. T. A. (2018). Persepsi Mahasiswa Terhadap Pelayanan Perpustakaan Universitas Trunojoyo Madura. Jurnal Kompetensi, 12(2).
Jung, J.-H., Kwon, E., & Kim, D. H. (2020). Mobile payment service usage: U.S. consumers’ motivations and intentions. Computers in Human Behavior Reports, 1(May), 100008. https://doi.org/10.1016/j.chbr.2020.100008
Karmawan, R., Fernandoand, G, M., & Gui. (2019). QR Code Payment in Indonesia and Its Application on Mobile Banking. FGIC Conference on Governance and Integrity, KnE Social Sciences, 551–568.
Kim, C., Mirusmonov, M., & Lee, I. (2010). An empirical examination of factors influencing the intention to use mobile payment. Computers in Human Behavior, 26(3), 310–322. https://doi.org/10.1016/J.CHB.2009.10.013
Marginingsih, R. (2021). Financial Technology (Fintech) Dalam Inklusi Keuangan Nasional di Masa Pandemi Covid-19. Moneter - Jurnal Akuntansi Dan Keuangan, 8(1), 56–64. https://doi.org/10.31294/moneter.v8i1.9903
Mayanti, R. (2020). Faktor-Faktor Yang Mempengaruhi Penerimaan User Terhadap Penerapan Quick Response Indonesia Standard Sebagai Teknologi Pembayaran Pada Dompet Digital. Jurnal Ilmiah Ekonomi Bisnis, 25(2), 123–135. https://doi.org/10.35760/eb.2020.v25i2.2413
Perdana, J. (2017, May 23). Klasifikasi Empat Jenis Fintech Menurut Bank Indonesia. Marketeers. https://www.marketeers.com/fintech-bank-indonesia-klasifikasi/
Phonthanukitithaworn, C., Sellitto, C., & Fong, M. W. L. (2016). An investigation of mobile payment (m-payment) services in Thailand. Asia-Pacific Journal of Business Administration, 8(1), 37–54. https://doi.org/10.1108/APJBA-10-2014-0119/FULL/XML
Raza, A., Koondhar, M. Y., Khan, M. S., Shaikh, H., & Shah, A. (2019, December 1). An integrated model for Acceptance of QR code Mobile Payment System in Pakistan. ICETAS 2019 - 2019 6th IEEE International Conference on Engineering, Technologies and Applied Sciences. https://doi.org/10.1109/ICETAS48360.2019.9117543
Saputri, O. B. (2020). Preferensi Konsumen Dalam Menggunakan Quick Response Code Indonesia Standard (QRIS) Sebagai Alat Pembayaran Digital. Journals of Economics and Business Mulawarman, 17(2), 237–247.
Sihaloho, J. E., Ramadani, A., & Rahmayanti, S. (2020). Implementasi Sistem Pembayaran Quick Response Indonesia Standard Bagi Perkembangan UMKM di Medan. Jurnal Manajemen Bisnis, 17(2), 287–297. http://journal.undiknas.ac.id/index.php/magister-manajemen/
Surekha, Anand, & Indu, I. (2015). E-Payment Transactions Using Encrypted QR Codes. International Journal of Applied Engineering Research, 10(77), 460–463.
Susilo, A. Z., Prabowo, M. I., Taman, A., Pustikaningsih, A., Susilo, A. Z., Ahmad, M. I., Taman, A., Pustikaningsih, A., & Samlawi, A. (2019). ScienceDirect ScienceDirect A Comparative Study of Factors Affecting User Acceptance of GO- A Comparative Study of Factors Affecting User Acceptance of GO- PAY and OVO As a Feature of Fintech Application PAY and OVO As a Feature of Fintech Application. Procedia Computer Science, 161, 876–884. https://doi.org/10.1016/j.procs.2019.11.195
Utami, S. S. (2017). Fakto-Faktor Yang Mempengaruhi Minat Penggunaan E-Money (Studi pada Mahasiswa STIE Ahmad Dahlan Jakarta). Balance, XIV(2), 29–41.
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. https://doi.org/10.1109/MWSYM.2015.7167037
Waluyo, M. (2019). Mudah Cepat Tepat Penggunaan Tools Amos Dalam Aplikasi (SEM). In UPN Jatim.
Widyawati, D., & Winarno, W. W. (2020). Memahami Perilaku Penerimaan Mobile Payment di Kalangan Muda (Mahasiswa) Menggunakan Pengembangan Model IMMPA. Jurnal Media Informatika Budidarma, 4(2), 453. https://doi.org/10.30865/mib.v4i2.2068