Pengaruh Persepsi Risiko, Persepsi Kemudahan, dan Literasi Keuangan terhadap Minat Penggunaan Linkaja
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Abstract
Dunia sudah memasuki era revolusi industri 4.0 dan mungkin sebentar lagi akan memasuki era revolusi industri 5.0, berarti telah terjadi perubahan besar-besaran di bidang industri, bisa dilihat dari adanya perkembangan teknologi yang semakin canggih dan adanya internet yang membuat segala hal menjadi lebih mudah. Revolusi industri 4.0 juga memberikan terobosan baru di bidang keuangan, dengan adanya teknologi keuangan (financial technology) atau lebih dikenal dengan sebutan FinTech. Teknologi keuangan yang tersedia saat ini terdiri dari pencatatan uang digital, dompet digital (e-wallet), dan e-lending. Penelitian ini akan berfokus pada teknologi keuangan yang berjenis dompet digital atau e-wallet. Saat ini, ada sangat banyak aplikasi dompet digital, sebut saja GoPay, DANA, OVO, ShopeePay, LinkAja, dan lain-lain. LinkAja merupakan layanan keuangan elektronik yang dipadukan ke dalam aplikasi yang bisa membuat aktivitas transaksi keuangan penggunanya menjadi lebih seru, lancar, dan tidak merepotkan. Tujuan dari penelitian ini adalah untuk mengetahui pengaruh dari persepsi risiko, persepsi kemudahan, dan literasi keuangan terhadap minat penggunaan LinkAja. Sebanyak 90 responden terpilih melalui teknik purposive sampling, dan responden berasal dari mahasiswa/i di Jakarta. Penelitian ini dilakukan dengan menyebarkan kuesioner secara online dengan Google Form dan data yang diperoleh diolah dengan SmartPLS versi 3.2.9. Penelitian ini menunjukkan bahwa persepsi risiko dan literasi keuangan berpengaruh terhadap minat penggunaan, sedangkan persepsi kemudahan tidak mempengaruhi minat penggunaan.
The world has entered the era of the industrial revolution 4.0 and maybe soon it will enter the era of the 5.0 industrial revolution, meaning that there has been a massive change in the industrial sector, it can be seen from the development of technology and the internet which makes everything easier. The industrial revolution 4.0 also provides new breakthroughs in the financial sector, with the existence of financial technology or better known as FinTech. Financial technology consists of digital wallets (e-wallet), and e-lending. This research will focus on financial technology in the form of a digital wallet or e-wallet. Currently, there are many digital wallet applications in Indonesia, such as GoPay, DANA, OVO, ShopeePay, LinkAja, and others. LinkAja is an electronic financial service that is integrated into an application that can make the user's financial transaction activities more exciting, smooth, and hassle-free. This research aimed to analyze the effect of perceived risk, perceived ease of use, and financial literacy on intention to use of LinkAja. 90 respondents were chosen through purposive sampling method, and conducted with university students in Jakarta. The research was conducted by distributing questionnaires online using Google Form and data were processed using SmartPLS version 3.2.9. The results of this research indicate that perceived risk and financial literacy have a positive and significant effect on intention to use, while perceived ease of use do not affect intention to use.
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