Analisis Adopsi Uang Elektronik dengan Model UTAUT2
Abstract
This study aims to explain the intention and behavior of using electronic money using the UTAUT2 model. This research was conducted in Badung Regency. The sampling method used is accidental sampling. The data collection method is carried out by distributing online and paper-based questionnaires to the people of Badung Regency who use electronic money that has been registered with Bank Indonesia. The total sample is 252 people. The data analysis technique used SEM-PLS. The results of this study indicate that socio-cultural factors, facilitating conditions, price values, and habits have a significant positive effect on the intention to use electronic money, meanwhile, performance expectations, business expectations and hedonic motivation have no effect on intentions to use electronic money. In addition, the facilitating conditions, habits, and usage intentions have a positive and significant effect on the behavior of using electronic money.
Keywords: Behavior Intention of Electronic Money; Use Behavior of Electronic Money; UTAUT2
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References
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https://doi.org/10.24843/eja.2020.v30.i02.p20
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Tak, P., & Panwar, S. (2016). Using UTAUT 2 Model to Predict Mobile App Based Shopping: Evidences from India. Journal of Indian Business Research, 9(3), 248–264. https://doi.org/10.1108/JIBR-11-2016-0132
Tiara Imani, A., & Herlanto Anggono, A. (2020). Factors Influencing Customers Acceptance of Using the QR Code Feature in Offline Merchants for Generation Z in Bandung (Extended UTAUT2). International Conference on Economics, Business and Economic Education 2019, 1174–1201.
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. L., & Xu, X. (2012). Consumer Acceptance and Use of Information Technology: Extending the Unified Theory of Acceptance and Use of Technology. MIS Quarterly: Management Information Systems, 36(1), 157–178. https://doi.org/10.2307/41410412
Yuan, S., Ma, W., Kanthawala, S., & Peng, W. (2015). Keep Using My Health Apps: Discover Users’ Perception of Health and Fitness Apps with the UTAUT2 Model. Telemedicine and E-Health, 21(9), 735–741. https://doi.org/10.1089/tmj.2014.0148
Ain, N. U., Kaur, K., & Waheed, M. (2016). The influence of learning value on learning management system use: An extension of UTAUT2. Information Development, 32(5), 1–16. https://doi.org/10.1177/0266666915597546
Ajzen, I. (2005). Attitudes, Personality and Behavior (Second Edition). New York: Open University Press.
Alalwan, Ali A., Dwivedi, Y. K., Rana, N. P., Lal, B., & Williams, M. D. (2015). Consumer adoption of Internet banking in Jordan: Examining the role of hedonic motivation, habit, self-efficacy and trust. Journal of Financial Services Marketing, 20(2), 145–157. https://doi.org/10.1057/fsm.2015.5
Alalwan, Ali Abdallah, Dwivedi, Y. K., & Rana, N. P. (2017). 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
Ali, F., Nair, P. K., & Hussain, K. (2016). An assessment of students’ acceptance and usage of computer supported collaborative classrooms in hospitality and tourism schools. Journal of Hospitality, Leisure, Sport and Tourism Education, 18, 51–60. https://doi.org/10.1016/j.jhlste.2016.03.002
Andriyanto, D., Baridwan, Z., & Subekti, I. (2019). Anteseden Perilaku Penggunaan E-Budgeting: Kasus Sistem Informasi Keuangan Desa di Banyuwangi, Indonesia. Jurnal Dinamika Akuntansi Dan Bisnis, 6(2), 151–170. https://doi.org/10.24815/jdab.v6i2.13938
Arenas-Gaitán, J., Peral-Peral, B., & Ramón-Jerónimo, M. A. (2015). Elderly and internet banking: An application of UTAUT2. Journal of Internet Banking and Commerce, 20(1), 1–23.
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), 150–161. https://doi.org/ 10.1590/S1516-18462008000300012.
Badan Pusat Statistik. (2018). Banyaknya Usaha/Perusahaan menurut Kabupaten/Kota dan Skala Usaha Hasil Sensus Ekonomi 2016. Diakses pada 15 September 2020, dari
https://bali.bps.go.id/statictable/2018/08/14/134/banyaknya-usaha-atau-perusahaan-menurut-kabupaten-kota-dan-skala-usaha-hasil-sensus-ekonomi-2016.html
BadanPusatStatistik. (2019). Rata-rata Konsumsi per Kapita Sebulan Provinsi Bali Menurut Kabupaten/Kota, 1997-2019. Diakses pada 15 September 2020, dari https://bali.bps.go.id/dynamictable/2016/01/25/7/rata-rata-konsumsi-per-kapita-sebulan-provinsi-bali-menurut-kabupaten-kota-1997-2019.html
Bandyopadhyay, K., & Fraccastoro, K. A. (2007). The Effect of Culture on User Acceptance of Information Technology. Communications of the Association for Information Systems, 19(23), 23–29. https://doi.org/10.17705/1cais.01923
Dzulhaida, R., & Giri, R. R. W. (2017). Analisis Minat Masyarakat Terhadap Penggunaan Layanan e-Money di Indonesia dengan Menggunakan Model Modifikasi Unified Theory of Acceptance and Use Technology 2 (UTAUT 2). Majalah Ilmiah UNIKOM, 15(2), 155–166.
https://doi.org/10.34010/miu.v15i2.555
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
Ghozali, I. (2014). Structural Equation Modeling Metode Alternatif dengan Partial Least Squares (PLS) 4th ed. Semarang: Universitas Dipenegoro.
Ghozali, I., & Latan, H. (2015). Partial Least Squares : Konsep, Teknik dan Aplikasi Smart PLS 3.0 untuk Penelitian Empiris. Semarang: Universitas Dipenegoro.
Havidz, I. L. H., Aima, M. H., & Wiratih, H. W. R. (2018). Determinants of Intention to Recommend WeChat Mobile Payment Innovation in China to be implemented in Indonesia. International Journal of Advanced Engineering Research and Science, 5(7), 297–310. https://doi.org/10.22161/ijaers.5.7.38
Holbrook, M. B., & Hirschman, E. C. (1982). The Experiential Aspects of Consumption: Consumer Fantasies, Feelings, and Fun. Journal of Consumer Research, 9(2), 132–140. https://doi.org/10.1086/208906
Kang, M., Liew, B. Y. T., Lim, H., Jang, J., & Lee, S. (2015). Investigating the determinants of mobile learning acceptance in Korea using UTAUT2. Lecture Notes in Educational Technology, 209–216. https://doi.org/10.1007/978-3-662-44188-6_29
Khan, I. U., Hameed, Z., Khan, S. U., & Beijing, T. (2017). Understanding Online Banking Adoption in a Developing Country : UTAUT2 with Cultural Moderators. Journal of Global Information Management, 25(1), 43–65. https://doi.org/10.4018/JGIM.2017010103
Lubis, M. F. T., & Rahmiati, F. (2019). User Acceptance Of Online Travel Agent For Millenials and Gen Z. Jurnal Muara Ilmu Ekonomi Dan Bisnis, 3(2), 375–388. https://doi.org/10.24912/jmieb.v3i2.7347
Mahfuz, M. A., Khanam, L., & Mutharasu, S. A. (2016). The influence of website quality on m-banking services adoption in Bangladesh: Applying the UTAUT2 model using PLS. International Conference on Electrical, Electronics, and Optimization Techniques, 2329–2335.
Mentari, A. C., & Bendesa, P. D. I. K. G. M. A. D. E. (2018). Analisis Faktor-Faktor yang Mempengaruhi Minat dalam Menggunakan Uang Elektronik di Kota Denpasar, Provinsi Bali. E-Jurnal Ekonomi Pembangunan Universitas Udayana, 7(4), 646–676.
Muhammad Taufik Hidayat, Qurrotul Aini, & Elvi Fetrina. (2020). Penerimaan Pengguna E-Wallet Menggunakan UTAUT 2 (Studi Kasus). Jurnal Nasional Teknik Elektro Dan Teknologi Informasi, 9(3), 239–247. https://doi.org/10.22146/.v9i3.227
Oktafani, D., & Sisilia, K. (2020). Analisis Penerapan Model Unified Theory of Acceptance and Use of Technology 2 (UTAUT2) Pada Adopsi Penggunaan Dompet Digital Ovo Dayeuh Kolot Bandung (Studi kasus pada Generasi Z sebagai pengguna OVO). Jurnal Menara Ekonomi, 6(1), 24–36. https://doi.org/10.31869/me.v6i1.1825
Palau-saumell, R., Forgas-coll, S., Javier, S., & Robres, E. (2019). User Acceptance of Mobile Apps for Restaurants : An Expanded and Extended UTAUT-2. Sustainability, 11(4), 1–24. https://doi.org/10.3390/su11041210
Pertiwi, N. W. D. M. Y., & 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.
Pratama, A. M. (2019). Orang Indonesia Paling Banyak Pakai Uang Elektronik untuk Transaksi Ritel. Diakses pada 3 Januari 2021, dari https://money.kompas.com/read/2019/07/15/175400126/orang-indonesia-paling-banyak-pakai-uang-elektronik-untuk-transaksi-ritel%0A
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.
https://doi.org/10.24843/eja.2020.v30.i02.p20
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. E-Proceeding of Management, 4(1), 53–61.
Rizal, A. (2020). Transaksi Digital Melonjak 60,8 Persen Selama Pandemi Corona. Diakses pada 15 Desember 2020, dari https://infokomputer.grid.id/read/122161305/transaksi-digital-melonjak-608-persen-selama-pandemi-corona
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. https://doi.org/10.14710/jaa.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, 9(3), 248–264. https://doi.org/10.1108/JIBR-11-2016-0132
Tiara Imani, A., & Herlanto Anggono, A. (2020). Factors Influencing Customers Acceptance of Using the QR Code Feature in Offline Merchants for Generation Z in Bandung (Extended UTAUT2). International Conference on Economics, Business and Economic Education 2019, 1174–1201.
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. L., & Xu, X. (2012). Consumer Acceptance and Use of Information Technology: Extending the Unified Theory of Acceptance and Use of Technology. MIS Quarterly: Management Information Systems, 36(1), 157–178. https://doi.org/10.2307/41410412
Yuan, S., Ma, W., Kanthawala, S., & Peng, W. (2015). Keep Using My Health Apps: Discover Users’ Perception of Health and Fitness Apps with the UTAUT2 Model. Telemedicine and E-Health, 21(9), 735–741. https://doi.org/10.1089/tmj.2014.0148
Published
2022-01-26
How to Cite
CAHYANI, Ni Putu Diva; DEWI, Luh Gede Krisna.
Analisis Adopsi Uang Elektronik dengan Model UTAUT2.
E-Jurnal Akuntansi, [S.l.], v. 32, n. 1, p. 183-197, jan. 2022.
ISSN 2302-8556.
Available at: <https://ojs.unud.ac.id/index.php/akuntansi/article/view/71880>. Date accessed: 24 apr. 2024.
doi: https://doi.org/10.24843/EJA.2022.v32.i01.p13.
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