UNIFIED THEORY OF ACCEPTANCE AND USE OF TECHNOLOGY TERHADAP USE BEHAVIOUR MELALUI FINANCIAL LITERACY
Keywords:
UTAUT, Financial Literacy, Use Behaviour, FinTech
Abstract
Penelitian ini bertujuan untuk mengeksplorasi pengaruh Unified Theory of Acceptance and Use of Technology (UTAUT) terhadap Use Behaviour teknologi keuangan (fintech) yang dimediasi oleh Financial Literacy. Dalam era digital yang berkembang pesat, fintech memainkan peran penting dalam mempermudah akses layanan keuangan serta mendorong inklusi finansial, khususnya bagi Generasi Z yang akrab dengan teknologi. Penelitian ini menggunakan pendekatan kuantitatif dengan metode Partial Least Squares Structural Equation Modeling (PLS-SEM) untuk menganalisis data yang dikumpulkan melalui survei online terhadap 203 responden pengguna fintech dari kalangan Generasi Z.
Hasil penelitian menunjukkan bahwa UTAUT berpengaruh signifikan terhadap Use Behaviour teknologi keuangan, baik secara langsung maupun melalui Financial Literacy sebagai variabel mediasi. Pengguna dengan literasi keuangan yang lebih tinggi cenderung lebih aktif menggunakan layanan fintech dan mampu mengelola risiko finansial dengan lebih baik. Temuan ini memberikan wawasan penting bagi pengembang fintech dan pembuat kebijakan dalam merancang strategi peningkatan literasi keuangan guna mendukung adopsi teknologi keuangan yang lebih luas..
References
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Narulita Rahmi Azriani, bambang subroto, zaki baridwan. (2013). Minat Keperilakuan Individu Menggunakan Piranti Lunak sebagai Penunjang Pelaporan Keuangan. Jurnal Akuntansi Multiparadigma, 4. https://doi.org/10.18202/jamal.2013.12.7206
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Shin, D.-H. (2010). The effects of trust, security and privacy in social networking: A security-based approach to understand the pattern of adoption. Interacting with Computers, 22(5), 428–438. https://doi.org/10.1016/j.intcom.2010.05.001
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Bharata, W., & Widyaningrum, P. W. (2017). Analisis Penerimaan Dan Penggunaan Sistem Informasi Akademik Melalui Pengembangan Model Utaut Studi Pada Mahasiswa Fakultas Ekonomi Universitas Muhammadiyah Ponorogo. Optimal: Jurnal Ekonomi Dan Kewirausahaan, 11(2), 171–187. https://doi.org/10.33558/optimal.v11i2.751
Chen, H. (1998). An analysis of personal financial literacy among college students. Financial Services Review, 7(2), 107–128. https://doi.org/10.1016/s1057-0810(99)80006-7
Chin, W. W. (n.d.). The Partial Least Squares Approach to Structural Equation Modeling. https://www.researchgate.net/publication/311766005
Davis, F. D. (1989). Perceived Usefulness, Perceived Ease of Use, and User Acceptance of Information Technology. MIS Quarterly, 13(3), 319. https://doi.org/10.2307/249008
Dinya Solihati, K., Rizki, M., & Sari, U. (2023). The Role of the Government to Improve Financial Literacy in Efforts to Prevent the Use of Illegal Online Loans. KnE Social Sciences, 2023, 259–276. https://doi.org/10.18502/kss.v8i11.13552
El-Masri, M., & Tarhini, A. (2017). Factors affecting the adoption of e-learning systems in Qatar and USA: Extending the Unified Theory of Acceptance and Use of Technology 2 (UTAUT2). Educational Technology Research and Development, 65(3), 743–763. https://doi.org/10.1007/s11423-016-9508-8
Fardiansyah, A., Peristiowati, Y., & Alamudi, M. Y. (2023). Evaluasi Penerimaan Pengguna Sistem Informasi Kesehatan dengan Menggunakan Model Unified Theory of Acceptance and Use of Technology (UTAUT). Jurnal Penelitian Perawat Profesional, 5(2), 843–848. https://doi.org/10.37287/jppp.v5i2.1566
Ghozali. (2021). Aplikasi Analisis Multivariate Dengan Program IBM SPSS 26 (10th ed.). Universitas Diponegoro.
Giandi, O., Irawan, I., & Ambarwati, R. (2020). Determinants of Behavior Intention and Use Behavior among Bukalapak’s Consumers. IPTEK The Journal for Technology and Science, 31(2), 158. https://doi.org/10.12962/j20882033.v31i2.5585
Gustina, M. (2022). Behavior Intention Penggunaan Digital Payment QRIS Berdasarkan Model Unified Theory of Acceptance and Use of Technology (UTAUT) (Studi pada UMKM Sektor Industri Makanan & Minuman di Kota Jambi). Jurnal Ilmiah Manajemen Dan Kewirausahaan (JUMANAGE), 1(1), 29–37. https://doi.org/10.33998/jumanage.2022.1.1.23
Hair Black W. C. Babin B. J. & Anderson R. E. (2019), J. F. (2019). Multivariate Data Analysis [8th Edition].
Harsono, S., Yusri, Y., & Chairina, C. (2023). Determinan Behavioral Intention Penggunaan Peer-to-peer lending Syariah Di Indonesia: Model UTAUT2. Manajemen Dan Bisnis, 5(1), 48–63. https://doi.org/10.30743/jmb.v5i1.6844
HUSTON, S. J. (2010). Measuring Financial Literacy. Journal of Consumer Affairs, 44(2), 296–316. https://doi.org/10.1111/j.1745-6606.2010.01170.x
Indonesia, A. F. (2023). Annual Members. In Asosiasi FinTech Indonesia: Vol. Annual Mem. https://doi.org/10.1179/bronsoc.1924.6.34.252
Indrawati. (2015). Metode Penelitian Manajemen dan Bisnis Konvergensi Teknologi Komunikasi dan Informasi. Aditama.
Izzati, B. M. (2020). Analysis of Customer Behavior in Mobile Food Ordering Application Using UTAUT Model (Case Study: GoFood Application). International Journal of Innovation in Enterprise System, 4(01), 23–34. https://doi.org/10.25124/ijies.v4i01.45
Jali, N. P., Nyide, C. J., & Stainbank, L. J. (2023). The Interplay Between Financial Literacy, Financial Technology and Financial Behaviour of High School Teachers in an Emerging Economy. Academic Journal of Interdisciplinary Studies, 12(4), 139–151. https://doi.org/10.36941/ajis-2023-0100
Kim, S., Kim, J., & Park, S. (2017). The Effects of Perceived Value, Website Trust and Hotel Trust on Online Hotel Booking Intention. Sustainability, 9(12), 2262. https://doi.org/10.3390/su9122262
Kim, S. Y., He, Y., Jacob, Y., Noh, Y.-S., Michaels, S., & Amasino, R. (2005). Establishment of the Vernalization-Responsive, Winter-Annual Habit in Arabidopsis Requires a Putative Histone H3 Methyl Transferase[W]. The Plant Cell, 17(12), 3301–3310. https://doi.org/10.1105/tpc.105.034645
Kumari, V., Bala, P. K., & Chakraborty, S. (2023). An Empirical Study of User Adoption of Cryptocurrency Using Blockchain Technology: Analysing Role of Success Factors like Technology Awareness and Financial Literacy. Journal of Theoretical and Applied Electronic Commerce Research, 18(3), 1580–1600. https://doi.org/10.3390/jtaer18030080
Limayem, M., & Cheung, C. M. K. (2008). Understanding information systems continuance: The case of Internet-based learning technologies. Information & Management, 45(4), 227–232. https://doi.org/10.1016/j.im.2008.02.005
Maharani, K. B., Hudrasyah, H., & Belgiawan, P. F. (2023). Marketing Strategy to Increase Brand Awareness: A Study Case on Digital Loan Application. International Journal of Current Science Research and Review, 06(07), 4579–4587. https://doi.org/10.47191/ijcsrr/v6-i7-72
Memon, I. A., Nair, S., & Jakhiya, M. (2021). How Ready the GEN-Z is to Adopt FinTech ? Proceedings of 2nd IEEE International Conference on Computational Intelligence and Knowledge Economy, ICCIKE 2021, 565–570. https://doi.org/10.1109/ICCIKE51210.2021.9410747
Narulita Rahmi Azriani, bambang subroto, zaki baridwan. (2013). Minat Keperilakuan Individu Menggunakan Piranti Lunak sebagai Penunjang Pelaporan Keuangan. Jurnal Akuntansi Multiparadigma, 4. https://doi.org/10.18202/jamal.2013.12.7206
Octaviani, R. D., Sari, D., Octaviani, R. D., Prabowo, H., & Sari, D. (2023). “ Determinants of Indonesian Gen Z ’ s purchase behavior on online travel platforms : Extending UTAUT model ” Determinants of Indonesian Gen Z ’ s purchase behavior on online travel platforms : Extending UTAUT model. 53–65. https://doi.org/10.21511/im.19(4).2023.05
OJK 2014. (n.d.). ps://www.ojk.go.id/en/berita-dan-kegiatan/siaran-pers/Pages/Press-Release-SNLKI-Revised-to-Achieve-Target-Financial-Literacy-and-Inclusion-Indices-Faster.aspx).
OJK 2017. (n.d.). https://www.ojk.go.id/en/berita-dan-kegiatan/siaran-pers/Pages/Press-Release-SNLKI-Revised-to-Achieve-Target-Financial-Literacy-and-Inclusion-Indices-Faster.aspx.
Oliveira, T., Thomas, M., Baptista, G., & Campos, F. (2016). Mobile payment: Understanding the determinants of customer adoption and intention to recommend the technology. Computers in Human Behavior, 61, 404–414. https://doi.org/10.1016/j.chb.2016.03.030
Olvia Intan Permata Sari, A. Z. A. (2023). PENGARUH FINANCIAL TECHNOLOGY ADOPTION CAPABILITY DAN FINANCIAL LITERACY TERHADAP BUSINESS SUSTAINABILITY. JURNAL MANAJEMEN BISNIS DAN KEWIRAUSAHAAN, Vol.7, 571–581.
Prameka, A. S., Do, B.-R., & Rofiq, A. (2016). How Brand Trust is Influenced by Perceived Value and Service Quality: Mediated by Hotel Customer Satisfaction. Asia Pacific Management and Business Application, 5(2), 72–84. https://doi.org/10.21776/ub.apmba.2016.005.02.2
Remund, D. L. (2010a). Financial literacy explicated: The case for a clearer definition in an increasingly complex economy. Journal of Consumer Affairs, 44(2), 276–295. https://doi.org/10.1111/j.1745-6606.2010.01169.x
Remund, D. L. (2010b). Financial literacy explicated: The case for a clearer definition in an increasingly complex economy. Journal of Consumer Affairs, 44(2), 276–295. https://doi.org/10.1111/j.1745-6606.2010.01169.x
Riduwan, & Sunarto. (2015). Pengantar Statistika: untuk Penelitian Pendidikan, Sosial, Ekonomi, Komunikasi dan Bisnis. Alfabeta.
Rosli, M. S., Saleh, N. S., Md. Ali, A., & Abu Bakar, S. (2023). Factors Determining the Acceptance of E-Wallet among Gen Z from the Lens of the Extended Technology Acceptance Model. Sustainability (Switzerland), 15(7), 1–23. https://doi.org/10.3390/su15075752
Saputra, S., Komala, R., Ayu, R., & Aryani, I. (2023). Financial Technology, Profitabilitas dan Efisiensi Bank Umum Konvensional di Indonesia. Jurnal Akuntansi Dan Sistem Informasi, 4(2), 214–224.
Setiawan, B., Nugraha, D. P., Irawan, A., Nathan, R. J., & Zéman, Z. (2021). User Innovativeness and Fintech Adoption in Indonesia. In Journal of Open Innovation Technology Market and Complexity. https://doi.org/10.3390/joitmc7030188
Shin, D.-H. (2010). The effects of trust, security and privacy in social networking: A security-based approach to understand the pattern of adoption. Interacting with Computers, 22(5), 428–438. https://doi.org/10.1016/j.intcom.2010.05.001
Sugiyono. (2015). Metode Penelitian Pendidikan (Pendekatan Kuantitatif,kualitatif dan R&D) (Edisi ke-2). Alfabeta.
Sugiyono. (2017). Model Penelitian Kuantitatif, Kualitatif, dan R&D. Alfabeta.
Sugiyono. (2019). Metode Penelitian Kuantitatif, Kualitatif, dan R&D. Alphabet.
Taiwo, A. A., & Downe, A. G. (2013). THE THEORY OF USER ACCEPTANCE AND USE OF TECHNOLOGY (UTAUT): A META-ANALYTIC REVIEW OF EMPIRICAL FINDINGS. Journal of Theoretical and Applied Information Technology, 10(1). www.jatit.org
Venkatesh, V., Morris, M. G., Davis, G. B., & Davis, F. D. (2003a). User Acceptance of Information Technology: Toward a Unified View. In Source: MIS Quarterly (Vol. 27, Issue 3).
Venkatesh, V., Morris, M. G., Davis, G. B., & Davis, F. D. (2003b). User Acceptance of Information: Towar a Unified View. MIS Quarterly, 27(3), 425–478.
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2024-10-24
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