THE INFLUENCE OF TRUST, PERCEIVED EASE OF USE, PERCEIVED USEFULNESS THROUGH ATTITUDES ON INTENTION TO USE THE GOPAY APPLICATION IN THE MILLENNIAL GENERATION IN SOUTH JAKARTA
DOI:
https://doi.org/10.31539/costing.v7i5.12315Keywords:
Trust, Perceived Ease of Use, Perceived Usefulness, Attitudes, Intention to Use The Gopay Application, Millennial Generation, South JakartaAbstract
Penelitian ini menganalisis pengaruh trust, perceived ease of use, dan perceived usefulness terhadap intention to use aplikasi pembayaran seluler di kalangan Generasi Milenial di Jakarta Selatan. Hasil penelitian menunjukkan bahwa trust memiliki pengaruh positif dan signifikan terhadap intention to use dan attitude, di mana trust yang baik antara pelanggan dan perusahaan menjadi kunci dalam membangun niat menggunakan aplikasi. Selain itu, perceived ease of use juga berpengaruh positif dan signifikan terhadap attitude, serta intention to use melalui attitude; artinya, kemudahan penggunaan yang dirasakan meningkatkan sikap positif dan niat menggunakan aplikasi. Namun, perceived usefulness tidak memiliki pengaruh positif dan signifikan terhadap intention to use maupun attitude, menunjukkan bahwa manfaat yang dirasakan dari aplikasi tidak selalu menentukan sikap atau niat untuk menggunakannya. Di sisi lain, attitude memiliki pengaruh positif dan signifikan terhadap intention to use, yang berarti sikap pengguna terhadap sistem informasi berperan penting dalam memengaruhi perilaku penggunaan aplikasi pembayaran seluler. Dengan demikian, penelitian ini menyimpulkan bahwa trust dan perceived ease of use merupakan faktor penting yang memengaruhi intention to use aplikasi pembayaran seluler, sementara perceived usefulness tidak memiliki dampak langsung yang signifikan. Hasil ini dapat menjadi referensi bagi pengembang aplikasi dalam meningkatkan trust dan kemudahan penggunaan untuk mendorong adopsi aplikasi yang lebih luas di kalangan pengguna.
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Ernawati, N., & Noersanty, L. (2020). Jurnal Manajemen STEI Pengaruh Persepsi Manfaat, Kemudahan Penggunaan dan Trust terhadap Minat Penggunaan pada Aplikasi OVO. BPJP) Sekolah Tinggi Ilmu Ekonomi Indonesia Jakarta, 03(02). www.bi.go.id/id/statistik
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Fontes, T., Costa, V., Ferreira, M. C., Shengxiao, L., Zhao, P., & Dias, T. G. (2017). Mobile
payments adoption in public transport. Transportation Research Procedia, 24, 410–417.
Ghezzi, A., Renga, F., Balocco, R., & Pescetto, P. (2010). Mobile Payment Applications: offer state of the art in the Italian market. Info.
Hassan, H. E., & Wood, V. R. (2020). Does country culture influence consumers’ perceptions toward mobile banking? A comparison between Egypt and the United States. Telematics and Informatics, 46, 101312.
Hidayati, R. N. (2017). PENGARUH TRUST, KEMUDAHAN PENGGUNAAN, DAN RISIKO YANG DIRASAKAN TERHADAP ADOPSI INTERNET BANKING PADA NASABAH BANK CIMB NIAGA DI STIE PERBANAS SURABAYA.
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Hong, I. B. (2015). Understanding the consumer’s online merchant selection process: The roles of product involvement, perceived risk, and trust expectation. International Journal of Information Management, 35(3), 322–336.
Hwang, J., Lee, J.-S., & Kim, H. (2019). Perceived innovativeness of drone food delivery services and its impacts on attitude and behavioral intentions: The moderating role of gender and age. International Journal of Hospitality Management, 81, 94–103.
Johnson, V. L., Kiser, A., Washington, R., & Torres, R. (2018). Limitations to the rapid adoption of M-payment services: Understanding the impact of privacy risk on M-Payment services. Computers in Human Behavior, 79, 111–122.
Kaharu, D., & Budiarti, A. (2016). Pengaruh Gaya Hidup, Promosi, dan Kualitas Produk terhadap Keputusan Pembelian pada Cosmic. Jurnal Ilmu Dan Riset Manajemen, ISSN : 2461-0593, 5(3), 1–24.
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kompas.com. (2019, December 4). GoPay Alami Gangguan, Pengguna Mengeluh Tak Bisa Transaksi.Tekno.Kompas.Com.https://tekno.kompas.com/read/2019/12/04/11490007/GoPay alami gangguan- pengguna-mengeluh-tak-bisa-transaksi
kompas.com. (2022, November 28). GoPay Jadi Dompet Digital dengan Pengguna Terbanyak, Ini Faktor Pendorongnya Money. Kompas. Com https://money.kompas.com/read/2022/11/28/170737726/GoPay-jadi-dompet-digital- dengan-pengguna-terbanyak-ini-faktor-pendorongnya?page=all
Kotler, P., & Armstrong, G. (2014). Principle Of Marketing (15th ed.). Pearson Pretice Hall.
Kotler, P., & Keller, K. L. (2016). Marketing Management (15, Ed.). Pearson Education, Inc.
Laksana, G. (2015). Pengaruh Persepsi Kemanfaatan, Persepsi Kemudahan Penggunaan, Persepsi Resiko dan Persepsi Kesesuaian terhadap Minat Menggunakan Mobile Banking (Studi Pada Nasabah Bank Rakyat Indonesia (BRI) Kantor Cabang Rembang, Jawa Tengah). Jurnal Administrasi Bisnis S1 Universitas Brawijaya, 26(2), 86309. .
Lee, J., Ryu, M. H., & Lee, D. (2019). A study on the reciprocal relationship between user
perception and retailer perception on platform-based mobile payment service. Journal of Retailing and Consumer Services, 48, 7–15. https://doi.org/10.1016/j.jretconser.2019.01.007
Leninkumar, V. (2017). The relationship between customer satisfaction and customer trust on customer loyalty. International Journal of Academic Research in Business and Social Sciences, 7(4), 450–465.
Leong, L.-Y., Hew, T.-S., Tan, G. W.-H., & Ooi, K.-B. (2013). Predicting the determinants of the NFC-enabled mobile credit card acceptance: A neural networks approach. Expert Systems with Applications, 40(14), 5604–5620.
Liébana-Cabanillas, F., Japutra, A., Molinillo, S., Singh, N., & Sinha, N. (2020). Assessment of mobile technology use in the emerging market: Analyzing intention to use m-payment services in India. Telecommunications Policy, 44(9), 102009.
Liébana-Cabanillas, F., Marinkovic, V., de Luna, I. R., & Kalinic, Z. (2018). Predicting the
determinants of mobile payment acceptance: A hybrid SEM-neural network approach.
Technological Forecasting and Social Change, 129, 117–130.
Liébana-Cabanillas, F., Molinillo, S., & Ruiz-Montañez, M. (2019). To use or not to use, that is the question: Analysis of the determining factors for using NFC mobile payment systems in public transportation. Technological Forecasting and Social Change, 139, 266–276. https://doi.org/10.1016/j.techfore.2018.11.012
Liébana-Cabanillas, F., Muñoz-Leiva, F., & Sánchez-Fernández, J. (2015). Influence of age in the adoption of new mobile payment systems. Revista Brasileira de Gestão de Negócios, 17(58), 1390–1407.
Liébana-Cabanillas, F., Sánchez-Fernández, J., & Muñoz-Leiva, F. (2014a). Antecedents of the adoption of the new mobile payment systems: The moderating effect of age. Computers in Human Behavior, 35, 464–478.
Liébana-Cabanillas, F., Sánchez-Fernández, J., & Muñoz-Leiva, F. (2014b). The moderating effect of experience in the adoption of mobile payment tools in Virtual Social Networks: The m- Payment Acceptance Model in Virtual Social Networks (MPAM-VSN). International Journal of Information Management, 34(2), 151–166.
Lovelock, C., Wirtz, J. M., & Mussry, J. (2010). Pemasaran Jasa: Manusia, Teknologi. Strategi.
Jakarta. Erlangga.
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2024-09-10
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