Adoption of Financial Technology Payments by MSMEs in Denpasar City: An Analysis from the UTAUT2 Perspective
Abstract
Financial technology payment sebagai bagian dari fintech menawarkan berbagai kemudahan serta manfaat bagi penggunanya, namun saat ini jumlah penggunanya di Indonesia masih terbatas. Penelitian ini bertujuan untuk menjelaskan minat penggunaan fintech payment melalui model UTAUT2. Penelitian ini dilakukan di Kota Denpasar. Metode sampling yang digunakan adalah accidental sampling. Metode pengumpulan data dilakukan dengan menyebarkan kuesioner kepada pelaku UMKM di Kota Denpasar yang menggunakan fintech payment. Total sampel adalah 116 orang. Teknik analisis data menggunakan SEM-PLS. Hasil penelitian ini menunjukkan bahwa performance expectancy, socio-cultural factors, facilitating conditions, price value, dan habit berpengaruh secara positif dan signifikan terhadap minat penggunaan fintech payment. Sementara itu, effort expectancy dan hedonic motivation tidak berpengaruh terhadap minat penggunaan fintech payment.
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References
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Liébana-Cabanillas, F., Kalinic, Z., Muñoz-Leiva, F., & Higueras-Castillo, E. (2024). Biometric m-payment systems: A multi-analytical approach to determining use intention. Information & Management, 61(2), 103907. https://doi.org/10.1016/J.IM.2023.103907
Ly, H. T. N., Khuong, N. V., & Son, T. H. (2022). DETERMINANTS AFFECT MOBILE WALLET CONTINUOUS USAGE IN COVID 19 PANDEMIC: EVIDENCE FROM VIETNAM. Cogent Business and Management, 9(1). https://doi.org/10.1080/23311975.2022.2041792
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Miswaty, M., Nurhalisa, N., & Migang, S. (2022). Pengaruh Ekspektasi Kinerja, Ekpektasi Usaha Dan Faktor Sosial Terhadap Minat Penggunaan Sistem Informasi Akuntansi. Equilibrium: Jurnal Ekonomi-Manajemen-Akuntansi, 18(1), 66. https://doi.org/10.30742/equilibrium.v18i1.1806
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Nopiani, N. K. R., & Putra, I. M. P. D. (2021). Pemerapan Model UTAUT 2 untuk Menjelaskan Minat dan Perilaku Penggunaan Mobile Banking. E-Jurnal Akuntansi, 31(10), 2569–2581. https://doi.org/10.24843/eja.2021.v31.i10.p17
Pertiwi, N. W. D., & Ariyanto, D. (2017). Penerapan Model UTAUT 2 untuk Menjelaskan Minat dan Perilaku Penggunaan Mobile Banking. E-Jurnal Akuntansi Universitas Udayana, 18(2), 1369–1397.
Pratiwi, N. P. D., Ariyanto, D., Putra, I. N. W. A., & Mimba, N. P. S. H. (2022). Penilaian Kesuksesan Penerapan Xero Accounting Software Dengan Model UTAUT dan Delone & McLean. E-Jurnal Akuntansi, 32(2), 3764. https://doi.org/10.24843/eja.2022.v32.i02.p13
Putra, G., & Ariyanti, M. (2017). Pengaruh Faktor-Faktor Dalam Modified Unified Theory of Acceptance and Use of Technology 2 (Utaut 2) Terhadap Niat Prospective Users Untuk Mengadopsi Home Digital Services Pt. Telkom Di Surabaya. Jurnal Manajemen Indonesia, 14(1), 59. https://doi.org/10.25124/jmi.v14i1.352
Putri, N.K.R.D & Suardikha, I. M. S. (2020). Penerapan Model UTAUT 2 Untuk Menjelaskan Niat Dan Perilaku Penggunaan E-Money di Kota Denpasar. E-Jurnal Akuntansi, 30(2), 540–555.
Rahman, M., Ismail, I., & Bahri, S. (2020). Analysing consumer adoption of cashless payment in Malaysia. Digital Business, 1(1), 100004. https://doi.org/10.1016/J.DIGBUS.2021.100004
Schmitz, A., Díaz-Martín, A. M., & Yagüe Guillén, M. J. (2022). Modifying UTAUT2 for a cross-country comparison of telemedicine adoption. Computers in Human Behavior, 130, 107183. https://doi.org/10.1016/J.CHB.2022.107183
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 Trust . Psychology and Marketing , 32 ( 8 ), University of Bristol - Explore Bristol Research. Psychology and Marketing, 32(8), 860–873. https://doi.org/10.1002/mar.20823/abstract.
Venkatesh, V., Morris, M. G., Davis, G. B., & Davis, F. D. (2003). User acceptance of information technology: Toward a unified view. MIS Quarterly: Management Information Systems, 27(3), 425–478. https://doi.org/10.2307/30036540
Venkatesh, V., Thong, J. y. ., & Xu, X. (2012). Consumer Acceptance and Use of Information Technology: Extending the Unified Theory of Acceptance and Use of Technology by Viswanath Venkatesh, James Y.L. Thong, Xin Xu :: SSRN. MIS Quarterly, 36(1), 157–178. https://papers.ssrn.com/sol3/papers.cfm?abstract_id=2002388
Yoga, I. M. S., & Triami, N. P. S. (2021). The Online Shopping Behavior of Indonesian Generation X. Journal of Economics, Business, & Accountancy Ventura, 23(3). https://doi.org/10.14414/jebav.v23i3.2455
Yustina, N. L. F. M., & Baridwan, Z. (2023). Determinan Minat Keprilakuan Pengguna E-Samsat di Kota Denpasar dengan Pendekatan UTAUT. E-Jurnal Akuntansi, 33(3), 815. https://doi.org/10.24843/eja.2023.v33.i03.p17
Zaid Kilani, A. A. H., Kakeesh, D. F., Al-Weshah, G. A., & Al-Debei, M. M. (2023). Consumer post-adoption of e-wallet: An extended UTAUT2 perspective with trust. Journal of Open Innovation: Technology, Market, and Complexity, 9(3), 100113. https://doi.org/10.1016/J.JOITMC.2023.100113
Zhou, M., Huang, J., Wu, K., Huang, X., Kong, N., & Campy, K. S. (2021). Characterizing Chinese consumers’ intention to use live e-commerce shopping. Technology in Society, 67, 101767. https://doi.org/10.1016/J.TECHSOC.2021.101767
Alalwan, A. A. (2020). Mobile food ordering apps: An empirical study of the factors affecting customer e-satisfaction and continued intention to reuse. International Journal of Information Management, 50, 28–44. https://doi.org/10.1016/J.IJINFOMGT.2019.04.008
Alkhowaiter, W. A. (2022). Use and behavioural intention of m-payment in GCC countries: Extending meta-UTAUT with trust and Islamic religiosity. Journal of Innovation & Knowledge, 7(4), 100240. https://doi.org/10.1016/J.JIK.2022.100240
Amalo, D. K., & Utama, I. M. K. (2023). Niat dan Perilaku Penggunaan Mobile Wallet pada Mahasiswa Akuntansi. E-Jurnal Akuntansi, 33(7), 1942–1960. https://doi.org/10.24843/eja.2023.v33.i07.p19
Audriyani, F., & Meiranto, W. (2023). Penerapan Model Utaut 2 Terhadap Niat Penggunaan Electronic Payment Shopeepay Di Kota Semarang. Diponegoro Journal Of Accounting, 12(3), 1–14. http://ejournal-s1.undip.ac.id/index.php/accounting
Azman Ong, M. H., Yusri, M. Y., & Ibrahim, N. S. (2023). Use and behavioural intention using digital payment systems among rural residents: Extending the UTAUT-2 model. Technology in Society, 74, 102305. https://doi.org/10.1016/J.TECHSOC.2023.102305
Cahyani, N. P. D., & Dewi, L. G. K. (2022). Analisis Adopsi Uang Elektronik dengan Model UTAUT2. E-Jurnal Akuntansi, 32(1), 3496. https://doi.org/10.24843/eja.2022.v32.i01.p13
Dewi, N.P.N.T., & Setiawan, P. . (2020). Analisis Penggunaan E-Filing oleh Wajib Pajak Orang Pribadi dengan Menggunakan UTAUT 2. E-Jurnal Akuntansi, 30(12), 3081. https://doi.org/10.24843/eja.2020.v30.i12.p07
Evan, I., Winarno, W. W., & Putro, H. P. (2021). Evaluasi Tingkat Penerimaan E-Money Di Kalangan Mahasiswa Yogyakarta Menggunakan Modifikasi Utaut2. E-Jurnal Ekonomi Dan Bisnis Universitas Udayana, 10(01), 11. https://doi.org/10.24843/eeb.2021.v10.i01.p02
Fania, S. D., & Prehanto, D. R. (2022). Analisis Faktor yang Mempengaruhi Intensi Pengguna Shopeefood pada Aplikasi Shopee Menggunakan Metode UTAUT. Jeisbi, 03(03), 2022.
Hamzah, A., & Sukma, N. (2021). Determinasi Financial Technology Dengan Pendekatan Unified Theory of Acceptance and Use of Technology II. Jurnal Bisnis Dan Manajemen, 11(1), 1–14. https://journal.uinjkt.ac.id/index.php/esensi/article/view/19155
Higueras-Castillo, E., Liébana-Cabanillas, F. J., & Villarejo-Ramos, Á. F. (2023). Intention to use e-commerce vs physical shopping. Difference between consumers in the post-COVID era. Journal of Business Research, 157, 113622. https://doi.org/10.1016/J.JBUSRES.2022.113622
Iskandar, M., Hartoyo, H., & Hermadi, I. (2020). Analysis of Factors Affecting Behavioral Intention and Use of Behavioral of Mobile Banking Using Unified Theory of Acceptance and Use of Technology 2 Model Approach. International Review of Management and Marketing, 10(2), 41–49. https://doi.org/10.32479/irmm.9292
Kartikasari, Y., Sunaryo, & Yuniarinto, A. (2021). THE INTENTION TO USE E-COMMERCE TO PURCHASE GREEN COSMETICS WITH A MODIFIED UTAUT2 APPROACH. Journal of Applied Management, 19(3), 605–615. https://doi.org/10.21776/ub.jam.2021.019.03.13
Korkmaz, H., Fidanoglu, A., Ozcelik, S., & Okumus, A. (2022). User acceptance of autonomous public transport systems: Extended UTAUT2 model. Journal of Public Transportation, 24(1), 100013. https://doi.org/10.5038/2375-0901.23.1.5
Liébana-Cabanillas, F., Kalinic, Z., Muñoz-Leiva, F., & Higueras-Castillo, E. (2024). Biometric m-payment systems: A multi-analytical approach to determining use intention. Information & Management, 61(2), 103907. https://doi.org/10.1016/J.IM.2023.103907
Ly, H. T. N., Khuong, N. V., & Son, T. H. (2022). DETERMINANTS AFFECT MOBILE WALLET CONTINUOUS USAGE IN COVID 19 PANDEMIC: EVIDENCE FROM VIETNAM. Cogent Business and Management, 9(1). https://doi.org/10.1080/23311975.2022.2041792
Madek, J., Putu Sri Harta, N., & Ratna, M. M. (2023). CITATION. JIA (Jurnal Ilmiah Akuntansi), 8(2), 540–563. https://doi.org/10.23887/jia.v8i2.65454
Miswaty, M., Nurhalisa, N., & Migang, S. (2022). Pengaruh Ekspektasi Kinerja, Ekpektasi Usaha Dan Faktor Sosial Terhadap Minat Penggunaan Sistem Informasi Akuntansi. Equilibrium: Jurnal Ekonomi-Manajemen-Akuntansi, 18(1), 66. https://doi.org/10.30742/equilibrium.v18i1.1806
Nikmah, K. (2022). Faktor Yang Mempengaruhi Minat Menerima Pembayaran Menggunakan E-Money Pada Umkm Di Yogyakarta. https://dspace.uii.ac.id/handle/123456789/38961%0Ahttps://dspace.uii.ac.id/bitstream/handle/123456789/38961/18312184.pdf?sequence=1&isAllowed=y
Nopiani, N. K. R., & Putra, I. M. P. D. (2021). Pemerapan Model UTAUT 2 untuk Menjelaskan Minat dan Perilaku Penggunaan Mobile Banking. E-Jurnal Akuntansi, 31(10), 2569–2581. https://doi.org/10.24843/eja.2021.v31.i10.p17
Pertiwi, N. W. D., & Ariyanto, D. (2017). Penerapan Model UTAUT 2 untuk Menjelaskan Minat dan Perilaku Penggunaan Mobile Banking. E-Jurnal Akuntansi Universitas Udayana, 18(2), 1369–1397.
Pratiwi, N. P. D., Ariyanto, D., Putra, I. N. W. A., & Mimba, N. P. S. H. (2022). Penilaian Kesuksesan Penerapan Xero Accounting Software Dengan Model UTAUT dan Delone & McLean. E-Jurnal Akuntansi, 32(2), 3764. https://doi.org/10.24843/eja.2022.v32.i02.p13
Putra, G., & Ariyanti, M. (2017). Pengaruh Faktor-Faktor Dalam Modified Unified Theory of Acceptance and Use of Technology 2 (Utaut 2) Terhadap Niat Prospective Users Untuk Mengadopsi Home Digital Services Pt. Telkom Di Surabaya. Jurnal Manajemen Indonesia, 14(1), 59. https://doi.org/10.25124/jmi.v14i1.352
Putri, N.K.R.D & Suardikha, I. M. S. (2020). Penerapan Model UTAUT 2 Untuk Menjelaskan Niat Dan Perilaku Penggunaan E-Money di Kota Denpasar. E-Jurnal Akuntansi, 30(2), 540–555.
Rahman, M., Ismail, I., & Bahri, S. (2020). Analysing consumer adoption of cashless payment in Malaysia. Digital Business, 1(1), 100004. https://doi.org/10.1016/J.DIGBUS.2021.100004
Schmitz, A., Díaz-Martín, A. M., & Yagüe Guillén, M. J. (2022). Modifying UTAUT2 for a cross-country comparison of telemedicine adoption. Computers in Human Behavior, 130, 107183. https://doi.org/10.1016/J.CHB.2022.107183
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 Trust . Psychology and Marketing , 32 ( 8 ), University of Bristol - Explore Bristol Research. Psychology and Marketing, 32(8), 860–873. https://doi.org/10.1002/mar.20823/abstract.
Venkatesh, V., Morris, M. G., Davis, G. B., & Davis, F. D. (2003). User acceptance of information technology: Toward a unified view. MIS Quarterly: Management Information Systems, 27(3), 425–478. https://doi.org/10.2307/30036540
Venkatesh, V., Thong, J. y. ., & Xu, X. (2012). Consumer Acceptance and Use of Information Technology: Extending the Unified Theory of Acceptance and Use of Technology by Viswanath Venkatesh, James Y.L. Thong, Xin Xu :: SSRN. MIS Quarterly, 36(1), 157–178. https://papers.ssrn.com/sol3/papers.cfm?abstract_id=2002388
Yoga, I. M. S., & Triami, N. P. S. (2021). The Online Shopping Behavior of Indonesian Generation X. Journal of Economics, Business, & Accountancy Ventura, 23(3). https://doi.org/10.14414/jebav.v23i3.2455
Yustina, N. L. F. M., & Baridwan, Z. (2023). Determinan Minat Keprilakuan Pengguna E-Samsat di Kota Denpasar dengan Pendekatan UTAUT. E-Jurnal Akuntansi, 33(3), 815. https://doi.org/10.24843/eja.2023.v33.i03.p17
Zaid Kilani, A. A. H., Kakeesh, D. F., Al-Weshah, G. A., & Al-Debei, M. M. (2023). Consumer post-adoption of e-wallet: An extended UTAUT2 perspective with trust. Journal of Open Innovation: Technology, Market, and Complexity, 9(3), 100113. https://doi.org/10.1016/J.JOITMC.2023.100113
Zhou, M., Huang, J., Wu, K., Huang, X., Kong, N., & Campy, K. S. (2021). Characterizing Chinese consumers’ intention to use live e-commerce shopping. Technology in Society, 67, 101767. https://doi.org/10.1016/J.TECHSOC.2021.101767
Published
2024-10-09
How to Cite
KAMAJAYA, Cokorda Istri Shinta Anandea Putri; MIMBA, Ni Putu Sri Harta.
Adoption of Financial Technology Payments by MSMEs in Denpasar City: An Analysis from the UTAUT2 Perspective.
E-Jurnal Akuntansi, [S.l.], v. 34, n. 10, oct. 2024.
ISSN 2302-8556.
Available at: <https://ojs.unud.ac.id/index.php/akuntansi/article/view/115203>. Date accessed: 28 nov. 2024.
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