Faktor-Faktor Yang Memengaruhi Behavioral Intention dan Use Behavior Pada Layanan E-Wallet
Keywords:
e-wallet, UTAUT2, price value, perceived credibility, lifestyle compatibility
Abstract
Tujuan penelitian ini untuk menguji faktor-faktor yang memengaruhi behavioral intention dan use behavior pada layanan e-wallet (Gopay, Ovo, Dana, Shopee Pay) di Indonesia. Model penelitian yang digunakan yaitu mengembangkan model penelitian sebelumnya (UTAUT2) dengan penambahan variabel price value, perceived credibility, dan lifestyle compatibility. Kuesioner dikumpulkan dari 300 pengguna e-wallet di Indonesia setelah itu data dianalisis menggunakan Structural Equation Modelling (SEM) dengan pengolahan data menggunakan software Analysis Moment of Structural (AMOS). Hasil penelitian menunjukkan performance expectancy (PE), effort expectancy (EE), facilitating conditions (FC), price value (PV), habit (H), perceived credibility (PC), dan lifestyle compatibility (LC) terbukti sebagai faktor yang signifikan memengaruhi behavioral intention (BI), yang pada gilirannya secara signifikan memprediksi use behavior (UB) e-wallet. Sedangkan, social influence (SI), dan hedonic motivation (HM) tidak signifikan memengaruhi behavioral intention (BI).
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References
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Shaw, N., & Sergueeva, K. (2019). The non-monetary benefits of mobile commerce: Extending UTAUT2 with perceived value. International journal of information management, 45, 44-55.
Sharma, S. K., Govindaluri, S. M., Al-Muharrami, S., & Tarhini, A. (2017). A multi-analytical model for mobile banking adoption: a developing country perspective. Review of International Business and Strategy.
Tarhini, A., Alalwan, A. A., Shammout, A. B., & Al-Badi, A. (2019). An analysis of the factors affecting mobile commerce adoption in developing countries: Towards an integrated model. Review of International Business and Strategy, 29(3), 157–179. https://doi.org/10.1108/RIBS-10-2018-0092.
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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, 157–178.
Wang, Y., Wang, Y., Lin, H. and Tang, T. (2003), “Determinants of user acceptance of Internet banking: an empirical studyâ€, International Journal of Service Industry Management, Vol. 14 No. 5, pp. 501-519.
Wu, Z., & Liu, Y. (2022). Exploring country differences in the adoption of mobile payment service: the surprising robustness of the UTAUT2 model. International Journal of Bank Marketing. https://doi.org/10.1108/IJBM-02-2022-0052.
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Zikmund, W. G., Babin, B. J., Carr, J. C., & Griffin, M. (2013). Business research methods. Cengage learning.
Alalwan, A. A., Dwivedi, Y. K., & Rana, N. P. (2017). Factors influencing adoption of mobile banking by Jordanian bank customers: Extending UTAUT2 with trust. International Journal of Information Management, 37(3), 99–110.
Armstrong, G., Adam, S., Denize, S. and Kotler, P. (2014), Principles of Marketing, 6th ed., Pearson Publications, New York, NY.
Arvidsson, N. (2014). Consumer attitudes on mobile payment services–results from a proof of concept test. International Journal of Bank Marketing.
Belanche, D., Flavian, M. and Perez-Rueda, A. (2020), “Mobile apps use and WOM in the food delivery sector: the role of planned behavior, perceived security and customer lifestyle compatibilityâ€, Sustainability, Vol. 12 No. 10, p. 4275.
Farooq, M. S., Salam, M., Jaafar, N., Fayolle, A., Ayupp, K., Radovic-Markovic, M., & Sajid, A. (2017). Acceptance and use of lecture capture system (LCS) in executive business studies: Extending UTAUT2. Interactive Technology and Smart Education.
Gu, J.-C., Lee, S.-C. and Suh, Y.-H. (2009), “Determinants of behavioral intention to mobile bankingâ€, Expert Systems with Applications, Vol. 36 No. 9, pp. 11605-11616.
Gupta, K., & Arora, N. (2020). Investigating consumer intention to accept mobile payment systems through unified theory of acceptance model: An Indian perspective. South Asian Journal of Business Studies, 9(1), 88–114. https://doi.org/10.1108/SAJBS-03-2019-0037.
Gupta, K. P., Manrai, R., & Goel, U. (2019). Factors influencing adoption of payments banks by Indian customers: extending UTAUT with perceived credibility. Journal of Asia Business Studies, 13(2), 173–195. https://doi.org/10.1108/JABS-07-2017-0111.
Hair, J. F., Black, W. C., Babin, B. J., & Anderson, R. E. (2014). Multivariate data analysis.
Humbani, M., & Wiese, M. (2019). An integrated framework for the adoption and continuance intention to use mobile payment apps. International Journal of Bank Marketing, 37(2), 646-664.
Hussain, M., Mollik, A. T., Johns, R., & Rahman, M. S. (2019). M-payment adoption for bottom of pyramid segment: an empirical investigation. International Journal of Bank Marketing, 37(1), 362–381. https://doi.org/10.1108/IJBM-01-2018-0013.
Islam, M. M. (2017). Exploring influencing factors towards intention and use of mobile internet for youth consumers in Bangladesh. Universal Journal of Management, 5(1), 39–47.
Jatmiko, A. (2022). Mencermati Sistem Mobile Payment dan Perkembangannya di Indonesia.
Kim, K., Kim, G.-M. and Kil, E.S. (2009), “Measuring the compatibility factors in mobile entertainment Service Adoptionâ€, Journal of Computer Information Systems, Vol. 50 No. 1, pp. 141-148.
Kwateng, K. O., Atiemo, K. A. O., & Appiah, C. (2018). Acceptance and use of mobile banking: an application of UTAUT2. Journal of Enterprise Information Management.
Lidwina, A. (2021). Dompet Digital Jadi Metode Pembayaran Terfavorit saat Belanja Online.
Lin, X., Suanpong, K., Ruangkanjanases, A., Lim, Y.-T., & Chen, S.-C. (2022). Improving the Sustainable Usage Intention of Mobile Payments: Extended Unified Theory of Acceptance and Use of Technology Model Combined With the Information System Success Model and Initial Trust Model. Frontiers in Psychology, 5867.
Liu, R., Wu, J., & Yu-Buck, G. F. (2021). The influence of mobile QR code payment on payment pleasure: evidence from China. International Journal of Bank Marketing.
Monroe, K. (1990), Pricing: Making Profitable Decisions, 2nd ed., McGraw-Hill Publishing, New York, NY.
Newzoo.com. (2022). Top Countries/Markets by Smartphone Users. Retrieved from newzoo.com website: https://newzoo.com/resources/rankings/top-countries-by-smartphone-penetration-and-users.
Oh, H. (2000), “The effect of brand class, brand awareness, and price on customer value and behavioral intentionsâ€, Journal of Hospitality & Tourism Research, Vol. 24 No. 2, pp. 136-162.
Ooi, K.B. and Tan, G.W.H. (2016), “Mobile technology acceptance model: an investigation using mobile users to explore smartphone credit cardâ€, Expert Systems with Applications, Vol. 59, October, pp. 33-46.
Pahlevi, R. (2022). Survei DailySocial: OVO Jadi Dompet Digital Paling Banyak Dipakai Masyarakat.
Phuong, N.N.D., Luan, L.T., Dong, V. and van and Nguyen, L.N.K. (2020), “Examining customers’ continuance intentions towards e-wallet usage: the emergence of mobile payment acceptance in Vietnamâ€, The Journal of Asian Finance, Economics and Business, Vol. 7 No. 9, pp. 505-516.
Puschel, J., Mazzon, J.A. and Hernandez, J.M.C. (2010), € “Mobile banking: proposition of an integrated adoption intention frameworkâ€, International Journal of Bank Marketing, Vol. 28 No. 5, pp. 389-409.
Raza, S. A., Shah, N., & Ali, M. (2019). Acceptance of mobile banking in Islamic banks: evidence from modified UTAUT model. Journal of Islamic Marketing, 10(1), 357–376. https://doi.org/10.1108/JIMA-04-2017-0038.
Reni, A., & Ahmad, N. H. (2016). Application of theory reasoned action in intention to use Islamic banking in Indonesia. Al-Iqtishad: Journal of Islamic Economics, 8(1), 137–148.
Rogers, E.M. (1983), Diffusion of Innovations, 4th ed., Free Press, New York, NY
Shafly, N. A. (2020). Penerapan Model Utaut2 untuk Menjelaskan Behavioral Intention dan Use Behavior Penggunaan Mobile Banking di Kota Malang. Jurnal Ilmiah Mahasiswa FEB, 8(2).
Shaw, N., & Sergueeva, K. (2019). The non-monetary benefits of mobile commerce: Extending UTAUT2 with perceived value. International journal of information management, 45, 44-55.
Sharma, S. K., Govindaluri, S. M., Al-Muharrami, S., & Tarhini, A. (2017). A multi-analytical model for mobile banking adoption: a developing country perspective. Review of International Business and Strategy.
Tarhini, A., Alalwan, A. A., Shammout, A. B., & Al-Badi, A. (2019). An analysis of the factors affecting mobile commerce adoption in developing countries: Towards an integrated model. Review of International Business and Strategy, 29(3), 157–179. https://doi.org/10.1108/RIBS-10-2018-0092.
Venkatesh, V., Morris, M. G., Davis, G. B., & Davis, F. D. (2003). User acceptance of information technology: Toward a unified view. MIS quarterly, 425-478.
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, 157–178.
Wang, Y., Wang, Y., Lin, H. and Tang, T. (2003), “Determinants of user acceptance of Internet banking: an empirical studyâ€, International Journal of Service Industry Management, Vol. 14 No. 5, pp. 501-519.
Wu, Z., & Liu, Y. (2022). Exploring country differences in the adoption of mobile payment service: the surprising robustness of the UTAUT2 model. International Journal of Bank Marketing. https://doi.org/10.1108/IJBM-02-2022-0052.
Xia, L., Monroe, K.B. and Cox, J.L. (2004), “The price is unfair! A conceptual framework of price fairness perceptionsâ€, Journal of Marketing, Vol. 68 No. 4, pp. 1-15.
Zikmund, W. G., Babin, B. J., Carr, J. C., & Griffin, M. (2013). Business research methods. Cengage learning.
Published
2022-10-20
Section
Original Articles
Copyright (c) 2022 Hyronimus Kevin Kurniawan, Dudi Anandya
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