Ramadhona, Elvionita (2021) Analysis of Perceptual Factors that Influence The Intention to Use E-Money During COVID-19 Pandemic (Research on University Students at Malang). Sarjana thesis, Universitas Brawijaya.
Abstract
Teknologi dalam sistem pembayaran telah mendukung peran pembayaran tunai secara umum menjadi bentuk pembayaran non tunai yang lebih efektif dan efisien. Hal ini didukung dengan hadirnya Financial Technology (Fintech). Bank Indonesia bekerja sama dengan pemerintah meluncurkan Program Gerakan Nasional Non Tunai yang bertujuan untuk meningkatkan kesadaran masyarakat dan sekaligus meningkatkan penggunaan instrumen nontunai yaitu melalui penggunaan uang elektronik. Inovasi fintech memberikan kemudahan bagi perusahaan yang ingin meningkatkan minat konsumen terhadap uang elektronik. Maka dari itu perusahaan harus mengetahui factor persepsi apa saja yagng dapat mempengaruhi. Pendekatan yang digunakan untuk melihat kenyamanan suatu teknologi adalah Technology Acceptance Model (TAM). TAM memperkenalkan dua variabel kunci, yaitu persepsi manfaat dan persepsi kemudahan penggunaan. Meskipun teknologi memberikan banyak manfaat dan kemudahan penggunaan, namun masih ada beberapa pengguna yang menolak untuk menggunakan teknologi karena ketidakpastian (resiko) dan masalah keamanan. Penelitian ini bertujuan untuk menganalisis faktor-faktor persepsi yang mempengaruhi penggunaan e-money di masa pandemi Corona Virus Disease 2019 (COVID-19). Jenis penelitian yang digunakan dalam penelitian ini adalah penelitian eksplanasi (explanatory research) dengan pendekatan kuantitatif. Objek penelitian adalah mahasiswa yang bekuliah di Kota Malang. Populasi dalam penelitian ini adalah mahasiswa yang pernah menggunakan uang elektronik di Kota Malang dan belum dapat diketahui jumlahnya secara pasti dengan sampel yang diperoleh sebanyak 116 mahasiswa. Analisis yang digunakan adalah analisis regresi linier berganda dengan menggunakan IBM SPSS Statistics. Hasil penelitian ini menunjukkan bahwa nilai koefisien determinasi (Adjusted R Square) sebesar 0,554 yang berarti 55,4% variabel The Intention to Use E-Money akan dipengaruhi oleh variabel bebasnya (Perceived Benefit, Perceived Ease of Use, Perception of Risk dan Perception of Secuity) dan sisanya 44,6% oleh variable lain di luar penelitian ini. Hasil Uji F menunjukkan bahwa Perceived Benefit, Perceived Ease of Use, Perception of Risk dan Perception of Secuity secara simultan berpengaruh signifikan terhadap The Intention to Use E-Money. Hasil Uji t menunjukkan bahwa Perceived Benefit, Perceived Ease of Use, Perception of Risk, dan Perception of Security mempunyai pengaruh yang signifikan terhadap The Intention to Use E-Money secara parsial. Dari keempat variabel bebas tersebut yang paling dominan pengaruhnya terhadap The Intention to Use E-Money adalah Perception of Security karena memiliki nilai koefisien beta dan t-hitung paling besar
English Abstract
"Elvionita Ramadhona, 2021. Analysis of Perceptual Factors that Influence The Intention to Use E-Money During COVID-19 Pandemic (Research on University Students at Malang). Sri Sulasmiyati S.Sos., M.AP 153 Pages + xvii. Technology in the payment system has supported the role of cash payments in general into a more effective and efficient form of non-cash payment. This is supported by the presence of Financial Technology (Fintech). Bank Indonesia in collaboration with the government launched a program Gerakan Nasional Non Tunai which aims to increase public awareness and at the same time increase the use of non-cash instruments, namely through the use of electronic money (e-money). Fintech innovation makes it easy for companies that want to increase consumer interest in electronic money. Therefore the company must know what perception factors can influence. The approach used to see the convenience of a technology is the Technology Acceptance Model (TAM). TAM introduces two key variables, namely perceived benefit and perceived ease of use. Although technology provides many benefits and ease of use, there are still some users who refuse to use technology due to uncertainty (risk) and security concerns. This research aims to analyze the perception factors that influence the intention to use e-money money during the Corona Virus Disease 2019 (COVID-19) pandemic. This type of research used is explanatory research with a quantitative approach. The object of research is students who study in Malang City. The population in this research were students in Malang City who had used electronic money and the exact number could not be known with samples obtained as many as 116 students. The analysis used is multiple linear regression analysis using IBM SPSS Statistics. The results of this research indicate that the value of the coefficient of determination (Adjusted R Square) is 0.554 which means 55.4% of the variable The Intention to Use E-Money will be influenced by the independent variables (Perceived Benefit, Perceived Ease of Use, Perception of Risk and Perception of Security) and the remaining 44.6% by other variables outside this research. The F test results show that Perceived Benefit, Perceived Ease of Use, Perception of Risk and Perception of Security simultaneously have a significant effect on The Intention to Use E-Money. The t-test results show that Perceived Benefit, Perceived Ease of Use, Perception of Risk, and Perception of Security have a significant influence on The Intention to Use E-Money partially. Of the four independent variables, the most dominant influence on The Intention to Use E-Money is Perception of Security because it has the largest beta coefficient and t-statistic.
Other obstract
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| Item Type: | Thesis (Sarjana) |
|---|---|
| Identification Number: | 052103 |
| Uncontrolled Keywords: | Financial Technology, Technology Acceptance Model (TAM), Perception, E-Money., Financial Technology, Technology Acceptance Model (TAM), Perception, E-Money. |
| Divisions: | Fakultas Ilmu Administrasi > Ilmu Administrasi Bisnis / Niaga |
| Depositing User: | Unnamed user with username nurmasudah |
| Date Deposited: | 23 Oct 2021 05:11 |
| Last Modified: | 18 Oct 2024 01:10 |
| URI: | http://repository.ub.ac.id/id/eprint/185346 |
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