1Tiara Khairunisa Dwi Fortuna, 2Sutrisno
1,2Universitas Islam Indonesia, Department of Management, Indonesia
DOI : https://doi.org/10.47191/ijmra/v7-i03-35Google Scholar Download Pdf
ABSTRACT:
This research aims to examine the influence of perceived ease of use, perceived benefits, perceived risk, trust and security variables on the likelihood of using fintech e-wallet services. The population in this research is the Z generation residing in Sleman Regency, Indonesia. The data source used in this research is primary data using a quantitative approach. Sampling in this study used a purposive sampling technique, the number of samples used was 100 Z generation in Sleman Regency who used the Shopeepay e-wallet fintech service for transactions. In this research, the data was processed/tested using the IBM SPSS statistics 23 program. The results of the research show that partially the variables perceived ease of use and perceived benefits have a positive and significant effect on interest in using ShopeePay fintech e-wallet services among the Z generation in Sleman Regency, while the variables Perceptions of risk, trust and security do not have a significant influence on interest in using the fintech e-wallet service ShopeePay among the Z generation in Sleman Regency.
KEYWORDS:Perceived Ease of Use, Perceived Benefits, Perceived Risk, Trust, Security, Fintech E-Wallet.
REFERENCES1) Aditya, T., & Mahyuni, L. P. (2022). Pengaruh Literasi Keuangan, Persepsi Kemudahan, Manfaat, Keamanan dan Pengaruh Sosial Terhadap Minat Penggunaan Fintech. Jurnal Ekonomi, Manajemen, Dan Akuntansi, 2(2), 245-258.
2) Ananda, P., & Nuriyah, A. (2023). Determinan Minat Generasi Milenial Pada Penggunaan Sistem Pembayaran E-Wallet Layanan Syariah Linkaja. Journal of Sharia Economics, 4(1), 54-66.
3) Ardela, F. (2017). Sudah Resmi! Pahami Klasifikasi Fintech Menurut Bank Indonesia. Diakses pada 13 Juni 2023 dari https://www.finansialku.com/klasifikasi-fintech-menurut-bank-indonesia/
4) Ariningsih et.al. (2022). Intention to Use E-wallet Dilihat dari Perceived Usefulness, Perceived Ease of Use, Perceived Security, dan Trust. Jurnal Maksipreneur, 11(2), 227-238.
5) Arisa, N. (2023). Pengaruh Persepsi Manfaat, Kemudahan, Dan Keamanan Terhadap Minat Penggunaan Uang Elektronik (Studi pada Generasi Milenial di kota Banda Aceh). Skripsi. Universitas Islam Negeri Ar-Raniry. Banda Aceh.
6) Arner, D.W., Barberis, j.N., & Buckley, R.P. (2015). The Evolution of fintech: A New Post-Crisis Paradigm?. SSRN Electronic Journal. https://doi.org/10.2139/ssrn.2676553
7) Aydin, G., & Burnaz, S. (2016). Adoption Of Mobile Payment Systems: A Study on Mobile Wallets. Journal of Business, Economic, and Finance, 5(1), 73-92.
8) Bank Indonesia. (2018). Mengenal Financial Teknologi. Diakses pada 13 Juni 2023 dari https://www.bi.go.id/id/edukasi/Pages/mengenal-Financial-Teknologi.aspx
9) Bank Indonesia. (2020). Apa itu Uang Elektronik. Diakses pada 13 Juni 2023 dari https://www.bi.go.id/id/edukasi/Pages/Apa-itu-Uang-Elektronik.aspx
10) Bi.go.id. (2016). Peraturan Bank Indonesia No.18/40/PBI/2016 Tentang Penyelenggaraan Pemrosesan Transaksi Pembayaran. Diakses pada 26 September 2023 dari https://www.bi.go.id/id/publikasi/peraturan/Pages/pbi_184016.aspx
11) Bi.go.id. (2017). Peraturan Bani Indonesia No.19/12/2017 Tentang Penyelenggaraan Teknologi finansial. Diakses pada 26 September 2023 dari https://www.bi.go.id/id/publikasi/peraturan/Documents/PBI_191217.pdf
12) Chandra, M.B & Kohardinata, C. (2021). Dampak Persepsi Manfaat dan Persepsi Risiko Terhadap Fintech Continuance Intention pada E-wallet. Jurnal Manajemen dan Start-Up Bisnis, 6(5), 455-464.
13) Chong, T.P, et.al. (2019). AN ADOPTION OF FINTECH SERVICE IN MALAYSIA. South East Asia Journal of Contemporary Business, Economic and Law, 18(5), 134-147.
14) Daragmeh, A., Lentner, C., & Sági, J. (2021). FinTech payments in the era of COVID-19: Favtors influencing behavorial intentions of “Generation X” in Hungary to use mobile payment. Journal of Behavorial and Experimental Finance, 32, 100574. https://doi.org/10.1016/j.jbef.2021.100574
15) Davis, F.D. (1989). Perceived Usefulness, Perceived Ease of Use, and User Acceptance of Information Technology. MIS Quarterly, 13(5), 319-339.
16) Davis, F.D., Bagozzi, R.P., & Warshaw, P.R. (1989). User Acceptance of Computer Technology: A Comparison of Two Theoretical Models. Management Science, 35(8), 982-1003. https://doi.org/10.1287/mnsc.35.8.982
17) Ernawati, N., & Noersanti, L. (2020). Pengaruh Persepsi Manfaat, Kemudahan Penggunaan, dan Kepercayaan Terhadap Minat Penggunaan Pada Aplikasi OVO. Jurnal Manajemen STEI, 3(2), 27-37.
18) Fatmawati, N. (2022). Pengaruh Persepsi Kemudahan Penggunaan dan Persepsi Risiko Terhadap Minat Menggunakan Dompet Digital ShopeePay (Studi Kasus Generasi Z Purbalingga). Skripsi. Universitas Islam Negeri Prof. K.H. Saifuddin Zuhri. Purwokerto.
19) Featherman, M.S., & Pavlou, P.A. (2002). Predicting E-Services Adoption: A Perceived Risk Facets Perspective. International Journal of Human-Computer Studies, 59(4), 1034-1046.
20) Fintech Indonesia (n.d.). PT Airpay International Indonesia.
Diakses Pada 31 mei 2023 dari https://fintech.
id/en/member/detail/217#:~:text=PT%20AirPay%20memiliki%20produk%20uang,
resmi%20diluncurkan%20pada%20November%202018.
21) Ghozali, I. (2018). Aplikasi Analisis Multivariate Dengan Program IBM SPSS 25. Badan Penerbit Universitas Diponegoro: Semarang.
22) Hair, et al. (1998). Multivariate Data Analysis. Fifth Edition. Prentice Hall, Upper Saddle River: New Jersey.
23) Halim, N.A.A et al. (2022). Understanding the determinants of e-wallet continuance usage intention in Malaysia. Quality & Quantity, 56, 3413-3439.
24) Hanifah, T.R., & Mukhlis, I. (2022). Pengaruh Efektivitas, Hedonis, Kemanfaatan, dan Kepercayaan Terhadap Minat Mahasiswa Universitas Negeri Malang Menggunakan Layanan ShopeePay: Pendekatan Technology Acceptance Model. ECOBISMA (Jurnal Ekonim, Bisnis, dan Manajemen), 9(2), 69-83.
25) Hinati, H. (2019). Pengaruh Sosial, Kemudahan, Kepercayaan dan Keamanan Terhadap Minat Menggunakan Uang Elektronik Syariah di Masyarakat DKI Jakarta. Skripsi. Universitas Islam Negeri Syarif Hidayatullah. Jakarta.
26) Hasya, R. (2022). Goodstats.id. Ini 10 E-wallet yang Sering Dipakai Masyarakat Indonesia Tahun 2022. Diakses pada 12 April 2023 dari https://goodstats.id/article/ini-10-e-wallet-yang-paling-sering-dipakai-masyarakat-indonesia-M4TA4
27) Jogiyanto, H.M. (2007). Sistem Informasi Keperilakuan. Yogyakarta: Andi Offset.
28) Karim, M. W., Haque, A., Ulfy, M. A., Hossain, M. A., & Anis, M. Z. (2020). Factors Influencing the Use of E-Wallet as a Payment Method among Malaysia Young Adults. Journal of International Business and Management, 3(2), 1-12.
29) Khoiriyah, S.U., Halim, M., & Zulkarnnaeni, A.S. (2023). Pengaruh Persepsi Manfaat, Persepsi Kemudahan, dan Persepsi Keamanan Terhadap Minat Menggunakan Financial Technology Pada Aplikasi Dana. JRAK (Jurnal Riset Akuntansi dan Bisnis), 9(1), 70-79.
30) 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
31) Kinanti, S.A., & Mukhlis, I. (2022). Analisis Pengaruh Faktor Persepsi Terhadap Minat Penggunaan E-wallet ShopeePay. Jurnal Ekonomi, Bisnis, dan Pendidikan (JEBP), 2(1), 11-25.
32) Kumparan (n.d.). Memahami Kelebihan Generasi Z: Ciri-Ciri, Kekurangan, dan Kelebihan. Diakses pada 4 Maret 2024 dari https://kumparan.com/pengetahuan-umum/memahami-kelebihan-generasi-z-ciri-ciri-kekurangan-dan-kelebihan-20fzAl9OVV7
33) Kurnianingsih, W el al. (2022). ShopeePay Mobile Payment Adoption Analysis Using The UTAUT Model approach (Case study at Amikom University Yogyakarta). Indonesian Journal of Business Intellegence, 5(1), 61-69.
34) Kusnandar. V.B. (2023). Uang Elektronik yang Beredar Tembus 772 Juta Unit Pada November 2022. Diakses pada 9 April 2023 https://databoks.katadata.co.id/datapublish/2023/02/17/uang-elektronik-yang-beredar-tembus-772-juta-unit-pada-november-2022
35) Lim, H.L et al. (2022). Factors Affecting Users’ Behavorial Intention Toward Touch ‘N Go E-Wallet in Malaysia. International Journal of Applied Business and International Management, 7(3), 108-120.
36) Lim, T.K., Xin, L.Z., & Mei, K.Y. (2021), Factor Influencing Consumer’s Intention to Use E-wallets. Asian Journal of Research in Business and Management, 3(2), 140-146;
37) Mayer, R.C., Davis, J.H., & Schoorman, F.D. (1995). An Integrative Model of Organization Trust. The Academy of Management Review, 20(3), 709-734. http://www.jstor.org/stable/258792
38) Ming, K. L. Y., Jais, M., Wen, C.C., Zaidi, N.S. (2020). Factor Affecting Adoption of E-Wallet in Sarawak. International Journal of Academic Research in Accounting, Finance and Management Sciences, 10 (2), 244-256. http://dx.doi.org/10.6007/IJARAFMS/v10-i2/7446
39) Nag, A.K., & Gilitwala, B. (2019). E-Wallet-Factors Affecting Its intention to use. International Journal of Recent Technology and Engineering, 8(4), 3411-3415.
40) Nasir, F. (2021). Pengaruh Persepsi Kemudahan Penggunaan, Efektivitas, dan Risiko Terhadap Minat Bertransaksi Menggunakan Aplikasi OVO Studi Pada Mahasiswa S1 Universitas Sarjanawiyata Tamansiswa. Jurnal investasi, 7(1), 36-43.
41) Nelyumna, N., Oktrivina, A., & Salwa, A.K. (2022). Pengaruh Penggunaan Fintech (E-wallet) Terhadap Minat Masyarakat Dalam Pembayaran Online Akibat Pemberlakuan Pembatasan Kegiatan Masyarakat. AKURASI: Jurnal Riset Akuntansi dan Keuangan, 4(2), 95-102. https://doi.org/10.36407/akurasi.v4i2.580
42) Nizar, A.M., & Yusuf, A. (2022). Pengaruh Persepsi Kemudahan Penggunaan dan Kepercayaan Terhadap Minat Menggunakan Aplikasi Dompet Digital Link Aja. Jurnal Manajemen dan Sains, 7(2),928-933.
43) Nuriyuha, A.S. (2022). Pengaruh Persepsi Kemudahan, Persepsi Kepercayaan, dan Persepsi Risiko Terhadap Minat Masyarakat Dalam Menggunakan E-wallet (ShopeePay) di Yogyakarta. Skripsi. Universitas Islam Indonesia. Yogyakarta. 44) Ong, V., & Nuryasman, M.N. (2022). Pengaruh Persepsi Risiko, Persepsi Kemudahan, dan Literasi Keuangan Terhadap Minat Penggunaan Link Aja. Jurnal Manajerial dan Kewirausahaan, 4(2), 516-524. https://doi.org/10.24912/jmk.v4i2.18259
45) Osman, S, et.al. (2021). Factors Influencing the Use of E-Wallet among Millennium Tourist. Journal of Information Technology Management, 13(3), 71-81.
46) Paramitha, N.M.A.M., & Mahyuni, L.P. (2022). Preferensi Generasi Milenial Dalam Menggunakan E-wallet di Kota Denpasar. E-Jurnal Ekonomi dan Bisnis Universitas Udayana, 11(5), 583-592.
47) Pavlou, P.A. (2003). Consumer Acceptance of Electronic Ecommerce: Integrating Trust and risk With the Technology Acceptance Model. International Journal of Electronic Commerce, 7(3), 101-134.
48) Pratiwi, S., Sofwan, A. (2022). Pengaruh Perceived Usefulness, Perceived Ease of Use, Perceived Risk, dan Trust Terhadap Minat Menggunakan Fintech ShopeePay. Jurnal Rekognisi Akuntansi, 6(2), 141-154.
49) Priyono, A. (2017). Analisis Pengaruh Trust dan Risk Dalam Penerimaan Teknologi Dompet Elektronik Go-Pay. Jurnal Siasat Bisnis, 21(1), 88-106.
50) Rany, A. (2023). Pengaruh Kemudahan, Kemanfaatan dan Keamanan Terhadap Keputusan Generasi Milenial Menggunakan Mobile Banking BSI. Skripsi. Universitas Islam Negeri raden Mas Said. Surakarta.
51) Rodiah, S. (2020). Pengaruh Kemudahan Penggunaan, Kemanfaatan, Risiko, dan Kepercayaan Terhadap Minat Menggunakan E-wallet pada Generasi Milenial Kota Semarang. Skripsi. Universitas Negeri Semarang.
52) Rodiah, S., Melati, I.S. (2020). Pengaruh Kemudahan Penggunaan, Kemanfaatan, Risiko, dan Kepercayaan Terhadap Minat Menggunakan E-wallet pada Generasi Milenial Kota Semarang. Journal of Economic Education and Entrepreneurship, 1(2), 66-80. https://doi.org/10.31331/jeee.v1i2.1293
53) Ryu, H.S. (2018). What makes user willing or hesitant to use fintech?: the moderating effect of user type. Industrial Management and Data System, 118(3), 541-569.
54) Shopee. (2021). Tentang ShopeePay. Diakses pada 31 Mei 2023 dari https://shopeepay.co.id/
55) Sikapiuangmu.ojk.go.id (n.d.). Hidup Praktis Ala Cash Society.
Diakses pada 13 Mei 2023 dari
https://sikapiuangmu.ojk.go.id/FrontEnd/CMS/Article/20557#:~:text=
Artinya%20terjadi%20perubahan%20kebiasaan%20masyarakat
,berarti%20masyarakat%20tanpa%20uang%20tunai
56) Sikapiuangmu.ojk.go.id (n.d). Financial Technology:
Ojk Siapkan Regulasi & Tim Pengembangan Ekonomi Digital.
Diakses pada 26 September 2023 dari https://sikapiuangmu.ojk.go.id/Frontend/CMS/Article/338#:~:
text=Otoritas%20Jasa%20Keuangan%20(OJK)%20sesuai,
disebut%20Financial%20Technology%20(fintech)
57) Stewart, H., & Jürjens, j. (2018). Data security and consumer trust in FinTech innovation in Germany. Information and Computer Security Emerald Insight, 26(1), 109-128. http://dx.doi.org/10.1108/ICS-06-2017-0039
58) Sugiyono. (2016). Metode Penelitian Kuantitatif, Kualitatif, dan R&D. Bandung: PT Alfabet.
59) Sukmawati, K., & Kowanda, D. (2022). Keputusan Penggunaan E-wallet Gopay Berdasarkan Pengaruh Keamanan, Persepsi Kemudahan dan Persepsi Manfaat. Jurnal Jukim, 1(5), 62-68.
60) Sunarya, I.M. (2022). Pengaruh Faktor Persepsi Terhadap Minat Penggunaan Layanan Dompet Digital (E-wallet) Melalui Pendekatan Teori Techology Acceptance Model (TAM). Jurnal Ilmiah Akuntansi dan Keuangan, 5(3), 1414-1422.
61) Suwunniponth, W. (2016). Customers’ Intention to Use Electronic Payment System for Purchasing. International Journal of Economics and Management Engineering, 10(12), 3915-3920.
62) Tanoto, et.al. (2021). The Influence of Convenience, Benefits, Security and Trust on the Interest in Using Financial Technology in OVO Applications as a Digital Payment. Journal of Economics, Finance, and Management Studies, 4(10), 1829-1834.
63) Utami, M.K. (2021). Pengaruh Kepercayaan, Kegunaan, Keamanan Terhadap Minat Menggunakan Mobile Payment Link Aja Dengan Kemudahan Sebagai Variable Mediasi (Studi Pada Mahasiswa di Yogyakarta). JIMKES (Jurnal Ilmiah Manajemen Kesatuan), 9(2), 331-342.
Volume 07 Issue 03 March 2024
There is an Open Access article, distributed under the term of the Creative Commons Attribution – Non Commercial 4.0 International (CC BY-NC 4.0) (https://creativecommons.org/licenses/by-nc/4.0/), which permits remixing, adapting and building upon the work for non-commercial use, provided the original work is properly cited.
Our Services and Policies
Authors should prepare their manuscripts according to the instructions given in the authors' guidelines. Manuscripts which do not conform to the format and style of the Journal may be returned to the authors for revision or rejected.
The Journal reserves the right to make any further formal changes and language corrections necessary in a manuscript accepted for publication so that it conforms to the formatting requirements of the Journal.
International Journal of Multidisciplinary Research and Analysis will publish 12 monthly online issues per year,IJMRA publishes articles as soon as the final copy-edited version is approved. IJMRA publishes articles and review papers of all subjects area.
Open access is a mechanism by which research outputs are distributed online, Hybrid open access journals, contain a mixture of open access articles and closed access articles.
International Journal of Multidisciplinary Research and Analysis initiate a call for research paper for Volume 07 Issue 12 (December 2024).
PUBLICATION DATES:
1) Last Date of Submission : 26 December 2024 .
2) Article published within a week.
3) Submit Article : editor@ijmra.in or Online
Why with us
1 : IJMRA only accepts original and high quality research and technical papers.
2 : Paper will publish immediately in current issue after registration.
3 : Authors can download their full papers at any time with digital certificate.
The Editors reserve the right to reject papers without sending them out for review.
Authors should prepare their manuscripts according to the instructions given in the authors' guidelines. Manuscripts which do not conform to the format and style of the Journal may be returned to the authors for revision or rejected. The Journal reserves the right to make any further formal changes and language corrections necessary in a manuscript accepted for publication so that it conforms to the formatting requirements of the Journal.