Faktor-Faktor yang Mempengaruhi Penggunaan Pembayaran Seluler di Jabodetabek
Keywords:
pembayaran seluler, dompet digital, uang elektronik
Abstract
Penelitian ini bertujuan untuk mengidentifikasi faktor-faktor yang mempengaruhi niat penggunaan (intention to use) pembayaran seluler di Jabodetabek. Metode pengumpulan data dilakukan menggunakan kuisioner kuantitatif. Analisis data secara statistik yang dilakukan meliputi analisis deskriptif, uji validitas dan reliabilitas, ANOVA, serta regresi linier. Hasil penelitian mengindikasikan trust of safe to use dan usefulness secara langsung mempengaruhi intention to use dari pembayaran seluler di Jabodetabek. Sedangkan ease to use, convenience of mobility, compatibility dan mobile payment knowledge tidak secara langsung mempengaruhi intention to use. Hasil penelitian ini bermanfaat bagi pemangku kepentingan pembayaran seluler, terutama bagi manajemen untuk meningkatkan pangsa pasar dalam persaingan industri yang ketat dengan kompetitor
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References
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Zhou, T. (2011), “An empirical examination of initial trust in mobile banking”, Internet Research 21, No.5: 527-
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pasar (9 Agustus 2019)
https://www.entrepreneur.com/article/330561 (9 Agustus 2019)
https://www.merchantsavvy.co.uk/mobile-payment-stats-trends/ (9 Agustus 2019)
https://faspay.co.id/news/2018/mengenal-macam-macam-sistem-mobile-payments (9 Agustus 2019)
https://finansial.bisnis.com/read/20190225/90/893062/industri-pembayaran-digital-bank-danfintechberebut-
pasar (9 Agustus 2019)
https://medium.com/@BRAVOPay/mobile-money-services-banking-the-unbankeda92b64180102 (9 Agustus
2019)
https://www.thinkwithgoogle.com/intl/en-apac/tools-resources/research-studies/all-eyes-emoney-race-reach-
180m-unbanked-indonesians/ (16 Agustus 2019)
https://learn.g2.com/mobile-banking-mobile-payments (16 Agustus 2019)
https://newsroom.mastercard.com/eu/press-releases/new-mobile-money-propositions-havethe-potential-toreduce-
the-worlds-unbanked-population-by-more-than-a-third/ (16 Agustus
2019)
technology: A replication”, MIS Quarterly 16, (Juni): 227-247
Annur, CM. (2019), “Riset Morgan Stanley Ungkap Ketatnya Persaingan OVO dan Go-Pay”, Katadata Website,
https://katadata.co.id/berita/2019/02/26/riset-morgan-stanley-ovo-lebihbanyak-digunakan-ketimbanggo-
pay, (7 Agustus 2019)
Awamieh, R. dan Fernandes, C. (2005), ”Internet Banking: An empirical investigation into the extent of adoption
by banks and the determinants of customer satisfaction in the United Arab Emirates”, Journal of Internet
Banking and Commerce, 10, No.1: 1-12
Clarke, I. (2001), “Emerging value propositions for M-commerce”, Journal of Business Strategies 18, No.2: 133-
149
Davis, FD. (1989), “Perceived usefulness, perceived ease of use, and user acceptance of information technology”,
MIS Quarterly 13, No.3 (September): 318-330
Dewan SG. dan Chen L. (2014), “Mobile Payment Adoption in the US: A Cross-industry,
Crossplatform Solution”, Journal of Information Privacy and Security 1, No.2 (September): 4-28
Dyer, W. (2010), The Power of Intention
Garcia-Murillo, M. dan Annabi, H. (2002), “Customer knowledge management”, Journal of the Operational
Research Society, 53: 875-884
Gong, M., dan Xu, Y. (2004), “An enhanced technology acceptance model for web-based learning”, Journal of
Information Systems Education 15, No.4: 365-374
Kim, C., Mirusmonov, M., dan Lee, I. (2010), “An empirical examination of factors influencing the intention to
use mobile payment”, Computers in Human Behavior 26, No.3 (May): 310-322
Kusumah, W. (2009), “Mengenal Penelitian Tindakan Kelas”, P.T. Indeks, Jakarta
Liu, G. dan Tai, PT. (2016), “A Study of Factors Affecting the Intention to Use Mobile Payment Services in
Vietnam”, Economics World 4&6, (November-December): 1-25
Mallat, N., Rossi, M., dan Tuunainen, VK. (2006), ”The impact of use situation and mobility on the acceptance
of mobile ticketing services”, In Proceedings of The 39th Hawaii International Conference on System
Sciences, Hawaii
Mathwick, C., Malhotra, NK., dan Rigdon, E. (2002), “The effect of dynamic retail experiences on experiential
perceptions of value: An Internet and catalog comparison”, Journal of Retailing 78, No.1 (Maret): 51-60
Menke, L. dan de Lussanet, M. (2006), “SMS-Basedmobile payment: popular with the young”, Forrester Research
Moore, GC. dan Benbasat, I. (1991), “Development of an instrument to measure the perceptions of adopting an
information technology innovation”, Information Systems Research 2, No.3: 173-191
Ondrus, J., dan Pigneur, Y. (2006), “Towards a holistic analysis of mobile payments: a multiple perspectives
approach”, Electronic Commerce Research and Applications 5, No.3 (September), 246–257
Ondrus, J., and Pigneur, Y. (2006), “A Multi-Stakeholder Multi-criteria Assessment Framework of Mobile
Payments: An Illustration with the Swiss Public Transportation Industry”, Proceedings of the 39th
Hawaii International Conference on System Sciences, 110
Rachmatunnisa. (2019). “10 Fakta Persaingan GoPay, Ovo, LinkAja, dan Dana cs”, Detikinet, https://inet.detik.
com/business/d-4666061/10-fakta-persaingan-gopay-ovo-linkajadan-dana-cs, (7 Agustus 2019)
Rogers, EM. (1962), Diffusion of innovations (1st ed.). London: The Free Press
Sharma, S. dan Gutiérrez, JA. (2010), “An evaluation framework for viable business models for M-commerce in
the information technology sector”, Electronic Markets 20, No.1: 33-52
Schiwy, F., Fornazzari, A., dan Antebi, S. (2011), “Digital Media, Cultural Production and Speculative Capitalism”,
Taylor & Francis Group
Syah, Muhibbin. (2011), Psikologi Pendidikan, Remaja Rosdakarya, Bandung
Untoro, Trenggana RA., dan Dewi K. (2013), “Pemetaan produk dan risiko Pembayaran bergerak (mobile
payment) dalam sistem pembayaran di Indonesia”, Bank Indonesia, No. 2 (Desember)
Tan, M. dan Teo, TSH. (2000), “Factors influencing the adoption of Internet banking”, Journal of the Association
for Information Systems 1, No.5 (Juli): 1-42
Venkatesh, V. dan Davis, FD. (2000), “A theoretical extension of the technology acceptance model: Four
longitudinal field studies”, Management Science 45, No.2 (Februari): 186-204
Zhou, T. (2011), “An empirical examination of initial trust in mobile banking”, Internet Research 21, No.5: 527-
540
https://www.statista.com/topics/4872/mobile-payments-worldwide/ (9 Agustus 2019)
https://finansial.bisnis.com/read/20190225/90/893062/industri-pembayaran-digital-bank-danfintechberebut-
pasar (9 Agustus 2019)
https://www.entrepreneur.com/article/330561 (9 Agustus 2019)
https://www.merchantsavvy.co.uk/mobile-payment-stats-trends/ (9 Agustus 2019)
https://faspay.co.id/news/2018/mengenal-macam-macam-sistem-mobile-payments (9 Agustus 2019)
https://finansial.bisnis.com/read/20190225/90/893062/industri-pembayaran-digital-bank-danfintechberebut-
pasar (9 Agustus 2019)
https://medium.com/@BRAVOPay/mobile-money-services-banking-the-unbankeda92b64180102 (9 Agustus
2019)
https://www.thinkwithgoogle.com/intl/en-apac/tools-resources/research-studies/all-eyes-emoney-race-reach-
180m-unbanked-indonesians/ (16 Agustus 2019)
https://learn.g2.com/mobile-banking-mobile-payments (16 Agustus 2019)
https://newsroom.mastercard.com/eu/press-releases/new-mobile-money-propositions-havethe-potential-toreduce-
the-worlds-unbanked-population-by-more-than-a-third/ (16 Agustus
2019)
Published
2020-12-30
How to Cite
Hawari, A., Adriansyah, A., Brian, B., Simanjuntak, D., & Susanto, R. (2020). Faktor-Faktor yang Mempengaruhi Penggunaan Pembayaran Seluler di Jabodetabek. PERWIRA - Jurnal Pendidikan Kewirausahaan Indonesia, 3(2), 93-116. https://doi.org/10.21632/perwira.3.2.93-116
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