ENCOURAGING BEHAVIORAL INTENTION TO USE MOBILE PAYMENT: AN EXTENSION OF UTAUT2

Hanif Adinugroho Widyanto, Kunthi Afrilinda Kusumawardani, Amreyzal Septyawanda
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Abstract

Tujuan dari penelitian ini adalah untuk menganalisa faktor-faktor yang mempengaruhi minat menggunakan aplikasi pembayaran bergerak. Secara khusus, peneliti mengembangkan UTAUT2 (Unified Theory of Acceptance and Use of Technology) dengan menambahkan factor Persepsi Keamanan dan Kepercayaan untuk dapat menjelaskan variable endogenous pada penelitian ini dengan lebih baik. Sampel pada penelitian ini dibatasi pada pengguna sebuah brand pembayaran bergerak di daerah Jabodetabek, dengan data yang didapatkan melalui kuesioner online (n=144). Data pada penelitian ini diuji dengan menggunakan metode penelitian kuantitatif dengan menjalankan analisa SEM-PLS. Penelitian ini menemukan bahwa Pengaruh Sosial, Motivasi Keduniawian, dan Kepercayaan mempengaruhi Minat Menggunakan secara signifikan dan langsung, sedangkan Ekspektasi Usaha, Persepsi Keamanan, dan Ekspektasi Kinerja memiliki pengaruh tidak langsung terhadap Minat Menggunakan. Adjusted R2 dari variabel endogenous Minat Menggunakan pada penelitian ini adalah 71.6%. Hasil dari penelitian ini memberikan kontribusi pada diskusi yang sedang berjalan terkait dengan penggunaan pembayaran bergerak sebagai ‘disruptor digital’ di masa mendatang dengan menambahkan dua variabel penting terkait privasi pengguna. 

 

The objective of this research is to analyze the antecedents of Behavioral Intention to use mobile payment platform. Specifically, the researchers expanded on UTAUT2 (Unified Theory of Acceptance and Use of Technology) by incorporating Perceived Security and Trust to better explain the endogenous variable. The sample of this study was limited to the users of mobile payment platforms in the Greater Jakarta area, and the data were collected using online questionnaires (n=144). The data in this study were examined using quantitative research by utilizing the SEM-PLS analysis. This research found that Social Influence, Hedonic Motivation, and Trust directly and significantly affected Behavioral Intention, while Effort Expectancy, Perceived Security, and Performance Expectancy had an indirect relationship with Behavioral Intention. Finally, the adjusted R2 of Behavioral Intention in this study is 71.6%. The results of this study contributed to the ongoing discussion on mobile payment adoption as the next digital disruptor by incorporating two important user privacy constructs.

Keywords

Mobile Payment; UTAUT2; Behavioral Intention; Perceived Security; Trust; Pembayaran Bergerak; Minat Menggunakan; Persepsi Keamanan; Kepercayaan

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