Penerapan Model UTAUT 2 Untuk Menjelaskan Niat Dan Perilaku Penggunaan E-Money di Kota Denpasar
Abstract
The purpose of this study was to determine the factors that influence the intentions and behavior of e-money use by applying the UTAUT2 model. UTAUT2 used in this study are performance expectations, business expectations, socio-cultural factors, facilitating conditions, hedonic motivation, price values, and habits. This research was conducted in the city of Denpasar. Determination of the sample is done by accidental sampling technique. Data collection is done by distributing questionnaires online. The analysis technique used is multiple linear regression. This study shows that the intention to use e-money is influenced by facilitating conditions, hedonic motivation, and price values, while performance expectations, business expectations, and socio-cultural factors have no effect. The results of this study also show that e-money usage behavior is influenced by habits and intentions of use, while the conditions that facilitate it have no effect.
Keywords: UTAUT2; Intention to Use E-Money; E-Money Usage Behavior.
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References
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Ariyanto, D., Subroto, B., Purnomosidhi, B., & Rosidi. (2014). Does the Balinese Tri Hita Karana Culture Affect the Adoption and Usage of Information Technology Systems? Information and Knowledge Management, 4(9), 150–160.
Auliya, N. (2018). Penerapan Model Unified Theory Of Acceptance and Use of Technology 2 Terhadap Minat dan Perilaku Penggunaan E-ticket di Yogyakarta.
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Brown, S. A., & Venkatesh, V. (2005). Model of Adoption of Technology in Household: A Baseline Model Test and Extension Incorporating Household Life Cycle. Mis Quarterly, 29(3), 399–426.
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Dignation.id. (2017). Sudah Punya E-money? Kenali Dulu Kelebihan dan Kekurangannya. Diunduh dari dignation. id,Website: https://www.google.com/amp/s/www.dignation.id/amp/read/01425/sudah-punya-e-money;kenali-dulu-kelebihan-dan-kekurangannya.
El-masri, M., & Tarhini, A. (2017). Factors affecting the adoption of e-learning systems in Qatar and USA : Extending the Unified Theory. Educational Technology Research and Development. https://doi.org/10.1007/s11423-016-9508-8.
Ghozali, I. (2016). Aplikasi Analisis Multivariate Dengan Program IBM SPSS 23.
Gupta, A., Dogra, N., & George, B. (2017). “What determines tourist adoption of smartphone apps? An analysis based on the UTAUT-2 framework.” Journal of Hospitality and Tourism Technology.
Hair, J., F, J., & Al, E. (1998). Multivriate Data Analysis, Fifth Edition, Prentice Hall.
Heijden, H. Van Der. (2004). User Acceptance of Hedonic Information Systems. Mis Quarterly, 28(4), 695–704.
Hoque, R., & Sorwar, G. (2017). International Journal of Medical Informatics Understanding factors influencing the adoption of mHealth by the elderly : An extension of the UTAUT model. International Journal of Medical Informatics, 101(September 2015), 75–84. https://doi.org/10.1016/j.ijmedinf.2017.02.002.
Jung, Y., Kim, S., & Choi, B. (2016). Computers in Human Behavior Consumer valuation of the wearables : The case of smartwatches. Computers in Human Behavior, 63, 899–905. https://doi.org/10.1016/j.chb.2016.06.040.
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Kranthi, A. K., & Ahmed, K. A. A. (2018). Determinants of smartwatch adoption among IT professionals – An extended UTAUT2 model for smartwatch enterprise Determinants of smartwatch adoption among IT professionals – an extended UTAUT2 model for smartwatch enterprise. International Journal Enterprise Network Management, 9(3/4), 294–315. https://doi.org/10.1504/IJENM.2018.094669.
Mani, Z., & Chouk, I. (2016). Drivers of consumers ’ resistance to smart products. Journal of Marketing Management, 33(1–2), 1–22. https://doi.org/10.1080/0267257X.2016.1245212.
Mulyani, A. (2018). Analisis Penerimaan dan Penggunaan Teknologi Aplikasi Ojek Online Menggunakan Unified Theory of Acceptance and Use Technology. Jurnal Algoritma Sekolah Tinggi Teknologi Garut, 15(2), 25–30.
Peraturan Bank Indonesia Nomor: 20/6/PBI/2018 atas perubahan Peraturan Bank Indonesia Nomor: 11/12/PBI/2009 tentang Uang Elektronik (Electronic Money).
Palau-saumell, R., Forgas-coll, S., & Javier, S. (2019). User Acceptance of Mobile Apps for Restaurants : An Expanded and Extended UTAUT-2. 1–24. https://doi.org/10.3390/su11041210
Pertiwi, N. W. D. M., & Ariyanto, D. (2017). Penerapan Model UTAUT2 untuk Menjelaskan Minat dan Perilaku Penggunaan Mobile Banking di Kota Denpasar. E-Jurnal Akuntansi Universitas Udayana, 18(2), 1369–1397.
Ramdhani, A. B., Rachmawati, I., Sidiq, F., & Prabowo, A. (2017). Pengaruh Adopsi Teknologi Layanan Uang Elektronik Telkomsel Cash Menggunakan Pendekatan Utaut2 The Effect Of Technology Adoption Electronic Money Services Telkomsel Cash Using UTAUT2. 4(1), 53–61.
Shara, P. V., & Widodo, T. (2017). Penerapan Model Unified Theory Of Acceptance And Use Of Technology ( Utaut ) Untuk Menganalisis Minat Pengguna. E-Jurnal Manajemen Bisnis Telekomunikasi Informatika Universitas Telkom, 70–83.
Slade, E. L. (2015). Slade , E . L ., Dwivedi , Y . K ., Piercy , N . C ., & Williams , M . D . ( 2015 ). Modeling Consumers ’ Adoption Intentions of Remote Mobile Payments in the United Kingdom : Extending UTAUT with Innovativeness , Risk , and University of Bristol - Explor. 32, 860–873. https://doi.org/10.1002/mar.20823/abstract.
Sutanto, Ghozali, I., & Handayani, R. S. (2018). Faktor-Faktor Yang Memengaruhi Penerimaan Dan Penggunaan Sistem Informasi Pengelolaan Keuangan Daerah (Sipkd) Dalam Perspektif The Unified Theory Of Acceptance And Use Of Technology 2 (Utaut 2) Di Kabupaten Semarang. Jurnal Akuntansi Dan Auditing, 15(1), 37–68.
Tak, P., & Panwar, S. (2016). Using UTAUT 2 Model to Predict Mobile App Based Shopping: Evidences From India. Journal of Indian Business Research.
Taylor, S., & Todd, P. A. (1995). Understanding Information Technology Usage: A Test of Competing Models. Information Systems Research, 6(2), 144–176.
Triandis, H. C. (1980). Values, Attitudes, and Interpersonal Behavior. Nebraka Symposium on Motivation, University of Nebraska Press, Lincoln, 165–180.
Venkatesh, V., & Davis, F. D. (2000). A Theoritical Extension of the Technology Acceptance Model: Four Longitudinal Field Studies. Management Science, 46(2), 186–204.
Venkatesh, V., Morris, M. G., Davis, G. B., & Davis, F. D. (2003). User Acceptance of Information Technology: Toward A Unified View. Mis Quarterly, 27(3), 425–478.
Venkatesh, V., Thong, J. Y. L., & Xu, X. (2012). Consumer Acceptance and Use of Information Technology: Extending the Unified Theory of Acceptance and Use of Technology. Mis Quarterly, 36(1), 157–178.
Wulandari, N. P. A., & Yadnyana, I. K. (2016). Penerapan Model Unified Theory Of Acceptance And Use Of Technology Di Kota Dnpasar. E-Jurnal Akuntansi Universitas Udayana, 14(2), 1270–1279.
Yang, H. C. (2013). Bon Appétit for Apps : Young American Consumers ’ Acceptance of Mobile Applications Bon Appétit For Apps : Young American Consumers ’ Acceptance Of Mobile Applications. Journal of Computer Information Systems, 53(3), 85–96. https://doi.org/10.1080/08874417.2013.11645635.
Alalwan, A. A., Dwivedi, Y. K., & Rana, N. P. (2017). International Journal of Information Management Factors influencing adoption of mobile banking by Jordanian bank customers : Extending UTAUT2 with trust. International Journal of Information Management, 37(3), 99–110. https://doi.org/10.1016/j.ijinfomgt.2017.01.002.
Ariyanto, D., Subroto, B., Purnomosidhi, B., & Rosidi. (2014). Does the Balinese Tri Hita Karana Culture Affect the Adoption and Usage of Information Technology Systems? Information and Knowledge Management, 4(9), 150–160.
Auliya, N. (2018). Penerapan Model Unified Theory Of Acceptance and Use of Technology 2 Terhadap Minat dan Perilaku Penggunaan E-ticket di Yogyakarta.
Bank Indonesia. (2019). Statistik Sistem Pembayaran Uang Elektronik: Laporan Transaksi Uang Elektronik Tahun 2012-2019.
Bank Indonesia. (2019). Statistik Sistem Pembayaran Uang Elektronik: Laporan Jumlah Uang Elektronik Beredar Tahun 2012-2019.
Bank Indonesia. (2019). Statistik Sistem Pembayaran Uang Elektronik: Laporan Daftar Penyelenggara Uang Elektronik yang Telah Memperoleh Izin dari Bank Indonesia Per 24 Mei 2019.
Bank Indonesia. (2014). Siaran Pers. Bank Indonesia Mencanangkan Gerakan Nasional Non Tunai. Di unduh dari Bank Indonesia, Website: https://www.bi.go.id/ruang-media/siaran-pers/pages/sp_165814.aspx, diakses Rabu 11 Agusus 2019.
Brown, S. A., & Venkatesh, V. (2005). Model of Adoption of Technology in Household: A Baseline Model Test and Extension Incorporating Household Life Cycle. Mis Quarterly, 29(3), 399–426.
Cermati.com. (2017). Fakta Menarik Seputar E-money Di Masyarakat. Di unduh dariCermati.com,Website:https://www.google.com/amp/s/www.cerma ti.com/artikel/amp/fakta-menarik-seputar-e-money-di-masyarakat, diakses Kamis, 8 Agustus 2019.
Davis, F. D. (1989). Perceived Usefulness, Perceived Ease of Use, and User Acceptance of Information Technology. Mis Quarterly, 13(3), 319–339.
Diana, N. (2018). Analisis Faktor-Faktor yang Mempengaruhi Minat Penggunaan Electronic Money di Indonesia.
Dignation.id. (2017). Sudah Punya E-money? Kenali Dulu Kelebihan dan Kekurangannya. Diunduh dari dignation. id,Website: https://www.google.com/amp/s/www.dignation.id/amp/read/01425/sudah-punya-e-money;kenali-dulu-kelebihan-dan-kekurangannya.
El-masri, M., & Tarhini, A. (2017). Factors affecting the adoption of e-learning systems in Qatar and USA : Extending the Unified Theory. Educational Technology Research and Development. https://doi.org/10.1007/s11423-016-9508-8.
Ghozali, I. (2016). Aplikasi Analisis Multivariate Dengan Program IBM SPSS 23.
Gupta, A., Dogra, N., & George, B. (2017). “What determines tourist adoption of smartphone apps? An analysis based on the UTAUT-2 framework.” Journal of Hospitality and Tourism Technology.
Hair, J., F, J., & Al, E. (1998). Multivriate Data Analysis, Fifth Edition, Prentice Hall.
Heijden, H. Van Der. (2004). User Acceptance of Hedonic Information Systems. Mis Quarterly, 28(4), 695–704.
Hoque, R., & Sorwar, G. (2017). International Journal of Medical Informatics Understanding factors influencing the adoption of mHealth by the elderly : An extension of the UTAUT model. International Journal of Medical Informatics, 101(September 2015), 75–84. https://doi.org/10.1016/j.ijmedinf.2017.02.002.
Jung, Y., Kim, S., & Choi, B. (2016). Computers in Human Behavior Consumer valuation of the wearables : The case of smartwatches. Computers in Human Behavior, 63, 899–905. https://doi.org/10.1016/j.chb.2016.06.040.
Khan, I. U., Hameed, Z., Khan, S. U., & Beijing, T. (2017). Understanding Online Banking Adoption in a Developing Country : UTAUT2 with Cultural Moderators. 25(1), 43–65. https://doi.org/10.4018/JGIM.2017010103.
Kranthi, A. K., & Ahmed, K. A. A. (2018). Determinants of smartwatch adoption among IT professionals – An extended UTAUT2 model for smartwatch enterprise Determinants of smartwatch adoption among IT professionals – an extended UTAUT2 model for smartwatch enterprise. International Journal Enterprise Network Management, 9(3/4), 294–315. https://doi.org/10.1504/IJENM.2018.094669.
Mani, Z., & Chouk, I. (2016). Drivers of consumers ’ resistance to smart products. Journal of Marketing Management, 33(1–2), 1–22. https://doi.org/10.1080/0267257X.2016.1245212.
Mulyani, A. (2018). Analisis Penerimaan dan Penggunaan Teknologi Aplikasi Ojek Online Menggunakan Unified Theory of Acceptance and Use Technology. Jurnal Algoritma Sekolah Tinggi Teknologi Garut, 15(2), 25–30.
Peraturan Bank Indonesia Nomor: 20/6/PBI/2018 atas perubahan Peraturan Bank Indonesia Nomor: 11/12/PBI/2009 tentang Uang Elektronik (Electronic Money).
Palau-saumell, R., Forgas-coll, S., & Javier, S. (2019). User Acceptance of Mobile Apps for Restaurants : An Expanded and Extended UTAUT-2. 1–24. https://doi.org/10.3390/su11041210
Pertiwi, N. W. D. M., & Ariyanto, D. (2017). Penerapan Model UTAUT2 untuk Menjelaskan Minat dan Perilaku Penggunaan Mobile Banking di Kota Denpasar. E-Jurnal Akuntansi Universitas Udayana, 18(2), 1369–1397.
Ramdhani, A. B., Rachmawati, I., Sidiq, F., & Prabowo, A. (2017). Pengaruh Adopsi Teknologi Layanan Uang Elektronik Telkomsel Cash Menggunakan Pendekatan Utaut2 The Effect Of Technology Adoption Electronic Money Services Telkomsel Cash Using UTAUT2. 4(1), 53–61.
Shara, P. V., & Widodo, T. (2017). Penerapan Model Unified Theory Of Acceptance And Use Of Technology ( Utaut ) Untuk Menganalisis Minat Pengguna. E-Jurnal Manajemen Bisnis Telekomunikasi Informatika Universitas Telkom, 70–83.
Slade, E. L. (2015). Slade , E . L ., Dwivedi , Y . K ., Piercy , N . C ., & Williams , M . D . ( 2015 ). Modeling Consumers ’ Adoption Intentions of Remote Mobile Payments in the United Kingdom : Extending UTAUT with Innovativeness , Risk , and University of Bristol - Explor. 32, 860–873. https://doi.org/10.1002/mar.20823/abstract.
Sutanto, Ghozali, I., & Handayani, R. S. (2018). Faktor-Faktor Yang Memengaruhi Penerimaan Dan Penggunaan Sistem Informasi Pengelolaan Keuangan Daerah (Sipkd) Dalam Perspektif The Unified Theory Of Acceptance And Use Of Technology 2 (Utaut 2) Di Kabupaten Semarang. Jurnal Akuntansi Dan Auditing, 15(1), 37–68.
Tak, P., & Panwar, S. (2016). Using UTAUT 2 Model to Predict Mobile App Based Shopping: Evidences From India. Journal of Indian Business Research.
Taylor, S., & Todd, P. A. (1995). Understanding Information Technology Usage: A Test of Competing Models. Information Systems Research, 6(2), 144–176.
Triandis, H. C. (1980). Values, Attitudes, and Interpersonal Behavior. Nebraka Symposium on Motivation, University of Nebraska Press, Lincoln, 165–180.
Venkatesh, V., & Davis, F. D. (2000). A Theoritical Extension of the Technology Acceptance Model: Four Longitudinal Field Studies. Management Science, 46(2), 186–204.
Venkatesh, V., Morris, M. G., Davis, G. B., & Davis, F. D. (2003). User Acceptance of Information Technology: Toward A Unified View. Mis Quarterly, 27(3), 425–478.
Venkatesh, V., Thong, J. Y. L., & Xu, X. (2012). Consumer Acceptance and Use of Information Technology: Extending the Unified Theory of Acceptance and Use of Technology. Mis Quarterly, 36(1), 157–178.
Wulandari, N. P. A., & Yadnyana, I. K. (2016). Penerapan Model Unified Theory Of Acceptance And Use Of Technology Di Kota Dnpasar. E-Jurnal Akuntansi Universitas Udayana, 14(2), 1270–1279.
Yang, H. C. (2013). Bon Appétit for Apps : Young American Consumers ’ Acceptance of Mobile Applications Bon Appétit For Apps : Young American Consumers ’ Acceptance Of Mobile Applications. Journal of Computer Information Systems, 53(3), 85–96. https://doi.org/10.1080/08874417.2013.11645635.
Published
2020-02-17
How to Cite
RISMA DWINDA PUTRI, Ni Komang; SADHA SUARDIKHA, I Made.
Penerapan Model UTAUT 2 Untuk Menjelaskan Niat Dan Perilaku Penggunaan E-Money di Kota Denpasar.
E-Jurnal Akuntansi, [S.l.], v. 30, n. 2, p. 540 - 555, feb. 2020.
ISSN 2302-8556.
Available at: <https://ojs.unud.ac.id/index.php/akuntansi/article/view/54953>. Date accessed: 21 nov. 2024.
doi: https://doi.org/10.24843/EJA.2020.v30.i02.p20.
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