Faktor Pengaruh Penggunan Teknologi terhadap Niat dan Perilaku pada Penggunaan DANA
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Abstract
The development of technology today has encouraged various digital transactions to conduct cashless and cardless transactions. Therefore, the term digital wallet emerged. Digital wallets have allowed users to store money and then make transactions with partners. Many companies have created digital wallets, one of which is DANA. Despite the rapid development of the DANA digital wallet application since 2018, users still report various types of complaints when using the DANA application. This has made DANA get more than 600,000 one-star reviews with 4.1 stars in the Google Play application. Through this background, the research wants to analyze the influence of technology use factors on the intention and behavior of using the DANA digital wallet based on the Unified Theory of Acceptance and Use of Technology 2 (UTAUT2) theoretical model initiated by Venkatesh. The sample studied amounted to 276 DANA users from various cities in Indonesia and was taken using convenience sampling technique. Based on the research conducted, it was found that the seven Factors of Technology Use (FPT) consisting of Performance Expectations (PE), Effort Expectations (EE), Social Influence (SI), Facilitating Conditions (FC), Hedonic Motivation (HM), Price Value (PV), and Habit (H) simultaneously had a positive and significant effect on each variable of Behavioral Intention (BI) and Usage Behavior (UB).
Berkembangnya teknologi saat ini telah mendorong berbagai transaksi digital untuk melakukan transaksi non-tunai maupun non-kartu. Oleh karena itu, muncul istilah dompet digital. Dompet digital telah memungkinkan pengguna untuk menyimpan uang kemudian dapat melakukan transaksi pada rekanan. Banyak Perusahaan yang menciptakan dompet digital, salah satunya adalah DANA. Di samping pesatnya perkembangan aplikasi dompet digital DANA sejak 2018, pengguna masih melaporkan berbagai jenis keluhan saat menggunakan aplikasi DANA Hal ini membuat DANA mendapatkan lebih dari 600.000 ulasan berbintang satu dengan bintang 4,1 di aplikasi Google Play. Melalui latar belakang ini, penelitian hendak menganalisis pengaruh faktor-faktor penggunaan teknologi terhadap niat dan perilaku penggunaan dompet digital DANA berdasarkan model teoretis Unified Theory of Acceptance and Use of Technology 2 (UTAUT2) yang digagas oleh Venkatesh. Sampel yang diteliti berjumlah 276 orang pengguna DANA dari berbagai kota di Indonesia dan diambil menggunakan teknik convenience sampling. Data dianalisis dengan Structural Equation Model (SEM) menggunakan aplikasi SmartPLS 3. Berdasarkan penelitian yang dilakukan, ditemukan bahwa ketujuh Faktor Penggunaan Teknologi (FPT) yang terdiri dari Ekspektasi Kinerja (PE), Ekspektasi Usaha (EE), Pengaruh Sosial (SI), Kondisi yang Memfasilitasi (FC), Motivasi Hedonis (HM), Nilai Harga (PV), dan Kebiasaan (H) secara simultan berpengaruh positif dan signifikan terhadap masing-masing variabel Niat Berperilaku (BI) dan Perilaku Penggunaan (UB).
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