Niat dan Perilaku Penggunaan Mobile Wallet pada Mahasiswa Akuntansi
Abstract
The Covid-19 pandemic has led to an increase in the use of mobile wallets. The aim of the study was to analyze the intention and behavior of using a mobile wallet using the UTAUT 2 model. The research was conducted on accounting students at the Faculty of Economics and Business, Udayana University. The sample was determined by the slovin formula and 92 people were found as the research sample. The research data was processed using multiple linear regression analysis. The results of the study show that performance expectations, social influence and price values have no effect on the intention to use a mobile wallet. Business expectations and hedonic motivation have a positive effect on the intention to use a mobile wallet. The test results also show that facilitating conditions do not affect the behavior of mobile wallet users. User habits and usage intentions have a positive effect on mobile wallet usage behavior.
Keywords: Intention of Use; User Behavior; Mobile Wallets; UTAUT 2
Downloads
Download data is not yet available.
References
Adam, A. (2017). Habis Milenial dan Generasi Z, Terbitlah Generasi Alfa. Tirto.Id. https://tirto.id/habis-milenial-dan-generasi-z-terbitlah-generasi-alfa-cnEs
Agustin, H., & Mulyani, E. (2018). The Acceptance and Use of E-Learning System Among Accounting Lecturers in State and Private Universities in Padang: An Empirical Study Based on UTAUT Model. Proceedings of the First Padang International Conference On Economics Education, Economics, Business and Management, Accounting and Entrepreneurship (PICEEBA 2018), 6–13. https://doi.org/10.2991/piceeba-18.2018.72
Aishah, S., & Kassim, S. (2019). Examining the Relationship between UTAUT Construct, Technology Awareness, Financial Cost and E-Payment Adoption among Microfinance Clients in Malaysia. Proceedings of the 1st Aceh Global Conference (AGC 2018). https://doi.org/10.2991/agc-18.2019.56
Amrullah, A., & Priyono, A. (2018). Integrasi Aspek Risiko Dalam Model Unified Theory Of Acceptance And Usage Of Technology Untuk Menganalisis Penerimaan Teknologi Go-Ride. MIX Jurnal Ilmiah Manajemen, 8(1), 33–49. https://doi.org/10.22441/mix.2018.v8i1.003
Baran, S. J., & Davis, D. K. (2012). Mass Communication Theory : Foundations, Ferment, and Future. Wadsworth and Cengage Learning.
Brown, S. A., & Venkatesh, V. (2005). Model of Adoption of Technology in Households: A Baseline Model Test and Extension Incorporating Household Life Cycle. MIS Quarterly, 23(3), 399–436. https://www.researchgate.net/publication/220260199_Model_of_Adoption_of_Technology_in_Households_A_Baseline_Model_Test_and_Extension_Incorporating_Household_Life_Cycle
Compeau, D. R., & Higgins, C. A. (1995). Computer Self-Efficacy: Development of a Measure and Initial Test. Management Information Systems Research Center, University of Minnesota, 19(2), 189–211. https://doi.org/10.2307/249688
Davis, F. (1989). Perceived Usefulness, Perceived Ease of Use, and User Acceptance of Information Technology. MIS Quarterly, 13(3), 319–340. https://doi.org/10.2307/249008
Davis, F. D., Bagozzi, R. P., & Warshaw, P. R. (1992). Extrinsic And Intrinsic Motivation To Use Computers In The Workplace. Journal of Applied Social Psychology, 22(14), 1111–1132. https://doi.org/10.1111/j.1559-1816.1992.tb00945.x
Devita, D. (2020). E-Wallet Lokal Masih Mendominasi Q2 2019-2020. IPrice Insights. https://iprice.co.id/insights/id/digital-economy/aplikasi-e-wallet-indonesia-2020/
Dewi, N. K. L. R. K., & Yadnyana, I. K. (2017). Faktor-Faktor Yang Mempengaruhi Minat dan Perilaku Penggunaan Sistem E-Filing Di Kota Denpasar dengan Model UTAUT. E-Jurnal Akuntansi, 21(3), 2338–2366. https://doi.org/10.24843/EJA.2017.v21.i03.p23
Dodds, W. B., Monroe, K. B., & Grewal, D. (1991). Effects of Price, Brand, and Store Information on Buyers’ Product Evaluations. Journal of Marketing Research, 28(3), 307–319. https://doi.org/10.2307/3172866
Fryer, V. (2021). Understanding COVID-19’s Impact on Ecommerce and Online Shopping Behavior. Big Commerce. https://www.bigcommerce.com/blog/covid-19-ecommerce/#lingering-pandemic-disruptions-to-consumer-behavior-and-supply-chains
Guo, H., Huang, X., & Craig, P. (2015). Factors Influencing the User Acceptance of Alipay. Proceedings of the 2015 International Conference on Economy, Management and Education Technology, 344–347. 10.2991/icemet-15.2015.73
Gupta, A., Dogra, N., & George, B. (2018). What Determines Tourist Adoption Of Smartphone Apps?: An Analysis Based On The UTAUT-2 Framework. Journal of Hospitality and Tourism Technology, 9(1), 48–62. https://doi.org/10.1108/jhtt-02-2017-0013
Hill, R. J., Fishbein, M., & Ajzen, I. (1977). Belief, Attitude, Intention and Behavior: An Introduction to Theory and Research. Contemporary Sociology. https://doi.org/10.2307/2065853
Indah, M., & Agustin, H. (2019). Penerapan Model Utaut (Unified Theory Of Acceptance And Use Of Technology) Untuk Memahami Niat Dan Perilaku Aktual Pengguna Go-Pay Di Kota Padang. Jurnal Eksplorasi Akuntansi, 1(4), 1949–1967. http://jea.ppj.unp.ac.id/index.php/jea/article/view/188/144
Jaka. (2021). 7 Aplikasi E-wallet/Dompet Digital Terbaik di 2021. Jalantikus. https://jalantikus.com/finansial/aplikasi-ewallet-terbaik/
Lingga, M. A. (2019). Uang Elektronik Kian Populer, Apa Sebabnya? Jernih Memilih. https://pemilu.kompas.com/read/2019/04/02/125732326/uang-elektronik-kian-populer-apa-sebabnya
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, 18(2), 1369–1397. https://ojs.unud.ac.id/index.php/Akuntansi/article/view/25548
Prasetyo, D. Y. (2017). Penerapan Metode UTAUT (Unified Theory Of Acceptance And Use Of Technology) Dalam Memahami Penerimaan Dan Penggunaan Website KKN LPPM UNISI. 2017, 6(2), 26–34. https://doi.org/10.32520/stmsi.v6i2.50
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
Rangkuty, D. M. (2021). Apakah Penggunaan E-wallet Masa Pandemi Covid-19 Semakin Meningkat di Indonesia? Respons Akademisi Terhadap Isu Kenegaraan Dan Kemasyarakatan Masa Kini: Perspektif Psikologi Dan Sosiologi, 251–259. https://journal.unusia.ac.id/index.php/Conferenceunusia/article/view/205
Sivathanu, B. (2018). Adoption Of Digital Payment Systems In The Era Of Demonetization In India: An Empirical Study. Journal of Science and Technology Policy Management, 10(1), 143–171. https://doi.org/10.1108/JSTPM-07-2017-0033
Sudirman, A., Muttaqin, Purba, R. A., Wirapraja, A., Abdillah, L. A., Fajrillah, Arifah, F. N., Julyanthry, Watrianthos, R., & Simarmata, J. (2020). Sistem Informasi Manajemen. Yayasan Kita Menulis.
Sugiyono. (2018). Penelitian Pendidikan (Pendekatan Kuantitatif, Kualitatif, dan R&D). Bandung : Alfabeta.
Susafaati. (2015). Pengukuran Kepuasan Penggunaan Aplikasi LSD Air Freight Cargo Dengan Metode UTAUT. Jurnal Pilar Nusa Mandiri, 11(2), 142–151. https://ejournal.nusamandiri.ac.id/index.php/pilar/article/view/423
Sutanto, S., 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 & Auditing, 15(1), 37–68. https://doi.org/10.14710/jaa.15.1.37-68
Suwandi, M. A., & Azis, E. (2018). Faktor- Faktor yang Mempengaruhi Penggunaan E- Money pada Generasi Millenials (Studi Kasus pada Mahasiswa S1 IPB). EProceedings of Management, 5(3), 3104–3111. https://openlibrarypublications.telkomuniversity.ac.id/index.php/management/article/view/7771
Taylor, S., & Todd, P. (1995). Decomposition and Crossover Effects in the Theory of Planned Behavior: A Study of Consumer Adoption Intentions. International Journal of Research in Marketing, 12(2), 137–155. https://doi.org/10.1016/0167-8116(94)00019-K
Thompson, R. L., Higgins, C. A., & Howell, J. M. (1991). Personal Computing: Toward a Conceptual Model of Utilization. MIS Quarterly, 15(1), 124–143. https://doi.org/10.2307/249443
Tresnawan, I. G. P. Y., Pradnyana, I. M. A., & Wirawan, I. M. A. (2020). Analisa Penerimaan Dan Penggunaan Sistem Informasi Desa (SID) Dengan Model Unified Theory Of Acceptance And Use Of Technology (UTAUT). INSERT: Information System and Emerging Technology Journal, 1(1), 51–61. https://ejournal.undiksha.ac.id/index.php/insert/article/view/25876/17358
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. 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, 36(1), 157–178. https://doi.org/10.2307/41410412
Vidantika, P. N. C. D., & Putra, I. M. P. D. (2018). Analisis TAM Terhadap Sikap Penggunaan Sistem Informasi Akuntansi Penggajian di PT Garuda Indonesia Station DPS. E-Jurnal Akuntansi, 24(2), 1105–1134. https://doi.org/10.24843/EJA.2018.v24.i02.p11
Wang, K. (2018). Research on Influence Factors of the Elderly’s Intention to Use Mobile APPs. Proceedings of the 2018 3rd International Conference on Education, Sports, Arts and Management Engineering (ICESAME 2018). https://doi.org/10.2991/icesame-18.2018.41
Widiyanti, W. (2020). Pengaruh Kemanfaatan, Kemudahan Penggunaan dan Promosi terhadap Keputusan Penggunaan E-Wallet OVO di Depok. Moneter: Jurnal Akuntansi Dan Keuangan, 7(1), 54–63. https://doi.org/10.31294/moneter.v7i1.7567
Zwain, A. A. A. (2019). Technological Innovativeness And Information Quality As Neoteric Predictors Of Users’ Acceptance Of Learning Management System : An Expansion Of UTAUT2. Interactive Technology and Smart Education, 16(3), 239–254. https://doi.org/10.1108/ITSE-09-2018-0065
Agustin, H., & Mulyani, E. (2018). The Acceptance and Use of E-Learning System Among Accounting Lecturers in State and Private Universities in Padang: An Empirical Study Based on UTAUT Model. Proceedings of the First Padang International Conference On Economics Education, Economics, Business and Management, Accounting and Entrepreneurship (PICEEBA 2018), 6–13. https://doi.org/10.2991/piceeba-18.2018.72
Aishah, S., & Kassim, S. (2019). Examining the Relationship between UTAUT Construct, Technology Awareness, Financial Cost and E-Payment Adoption among Microfinance Clients in Malaysia. Proceedings of the 1st Aceh Global Conference (AGC 2018). https://doi.org/10.2991/agc-18.2019.56
Amrullah, A., & Priyono, A. (2018). Integrasi Aspek Risiko Dalam Model Unified Theory Of Acceptance And Usage Of Technology Untuk Menganalisis Penerimaan Teknologi Go-Ride. MIX Jurnal Ilmiah Manajemen, 8(1), 33–49. https://doi.org/10.22441/mix.2018.v8i1.003
Baran, S. J., & Davis, D. K. (2012). Mass Communication Theory : Foundations, Ferment, and Future. Wadsworth and Cengage Learning.
Brown, S. A., & Venkatesh, V. (2005). Model of Adoption of Technology in Households: A Baseline Model Test and Extension Incorporating Household Life Cycle. MIS Quarterly, 23(3), 399–436. https://www.researchgate.net/publication/220260199_Model_of_Adoption_of_Technology_in_Households_A_Baseline_Model_Test_and_Extension_Incorporating_Household_Life_Cycle
Compeau, D. R., & Higgins, C. A. (1995). Computer Self-Efficacy: Development of a Measure and Initial Test. Management Information Systems Research Center, University of Minnesota, 19(2), 189–211. https://doi.org/10.2307/249688
Davis, F. (1989). Perceived Usefulness, Perceived Ease of Use, and User Acceptance of Information Technology. MIS Quarterly, 13(3), 319–340. https://doi.org/10.2307/249008
Davis, F. D., Bagozzi, R. P., & Warshaw, P. R. (1992). Extrinsic And Intrinsic Motivation To Use Computers In The Workplace. Journal of Applied Social Psychology, 22(14), 1111–1132. https://doi.org/10.1111/j.1559-1816.1992.tb00945.x
Devita, D. (2020). E-Wallet Lokal Masih Mendominasi Q2 2019-2020. IPrice Insights. https://iprice.co.id/insights/id/digital-economy/aplikasi-e-wallet-indonesia-2020/
Dewi, N. K. L. R. K., & Yadnyana, I. K. (2017). Faktor-Faktor Yang Mempengaruhi Minat dan Perilaku Penggunaan Sistem E-Filing Di Kota Denpasar dengan Model UTAUT. E-Jurnal Akuntansi, 21(3), 2338–2366. https://doi.org/10.24843/EJA.2017.v21.i03.p23
Dodds, W. B., Monroe, K. B., & Grewal, D. (1991). Effects of Price, Brand, and Store Information on Buyers’ Product Evaluations. Journal of Marketing Research, 28(3), 307–319. https://doi.org/10.2307/3172866
Fryer, V. (2021). Understanding COVID-19’s Impact on Ecommerce and Online Shopping Behavior. Big Commerce. https://www.bigcommerce.com/blog/covid-19-ecommerce/#lingering-pandemic-disruptions-to-consumer-behavior-and-supply-chains
Guo, H., Huang, X., & Craig, P. (2015). Factors Influencing the User Acceptance of Alipay. Proceedings of the 2015 International Conference on Economy, Management and Education Technology, 344–347. 10.2991/icemet-15.2015.73
Gupta, A., Dogra, N., & George, B. (2018). What Determines Tourist Adoption Of Smartphone Apps?: An Analysis Based On The UTAUT-2 Framework. Journal of Hospitality and Tourism Technology, 9(1), 48–62. https://doi.org/10.1108/jhtt-02-2017-0013
Hill, R. J., Fishbein, M., & Ajzen, I. (1977). Belief, Attitude, Intention and Behavior: An Introduction to Theory and Research. Contemporary Sociology. https://doi.org/10.2307/2065853
Indah, M., & Agustin, H. (2019). Penerapan Model Utaut (Unified Theory Of Acceptance And Use Of Technology) Untuk Memahami Niat Dan Perilaku Aktual Pengguna Go-Pay Di Kota Padang. Jurnal Eksplorasi Akuntansi, 1(4), 1949–1967. http://jea.ppj.unp.ac.id/index.php/jea/article/view/188/144
Jaka. (2021). 7 Aplikasi E-wallet/Dompet Digital Terbaik di 2021. Jalantikus. https://jalantikus.com/finansial/aplikasi-ewallet-terbaik/
Lingga, M. A. (2019). Uang Elektronik Kian Populer, Apa Sebabnya? Jernih Memilih. https://pemilu.kompas.com/read/2019/04/02/125732326/uang-elektronik-kian-populer-apa-sebabnya
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, 18(2), 1369–1397. https://ojs.unud.ac.id/index.php/Akuntansi/article/view/25548
Prasetyo, D. Y. (2017). Penerapan Metode UTAUT (Unified Theory Of Acceptance And Use Of Technology) Dalam Memahami Penerimaan Dan Penggunaan Website KKN LPPM UNISI. 2017, 6(2), 26–34. https://doi.org/10.32520/stmsi.v6i2.50
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
Rangkuty, D. M. (2021). Apakah Penggunaan E-wallet Masa Pandemi Covid-19 Semakin Meningkat di Indonesia? Respons Akademisi Terhadap Isu Kenegaraan Dan Kemasyarakatan Masa Kini: Perspektif Psikologi Dan Sosiologi, 251–259. https://journal.unusia.ac.id/index.php/Conferenceunusia/article/view/205
Sivathanu, B. (2018). Adoption Of Digital Payment Systems In The Era Of Demonetization In India: An Empirical Study. Journal of Science and Technology Policy Management, 10(1), 143–171. https://doi.org/10.1108/JSTPM-07-2017-0033
Sudirman, A., Muttaqin, Purba, R. A., Wirapraja, A., Abdillah, L. A., Fajrillah, Arifah, F. N., Julyanthry, Watrianthos, R., & Simarmata, J. (2020). Sistem Informasi Manajemen. Yayasan Kita Menulis.
Sugiyono. (2018). Penelitian Pendidikan (Pendekatan Kuantitatif, Kualitatif, dan R&D). Bandung : Alfabeta.
Susafaati. (2015). Pengukuran Kepuasan Penggunaan Aplikasi LSD Air Freight Cargo Dengan Metode UTAUT. Jurnal Pilar Nusa Mandiri, 11(2), 142–151. https://ejournal.nusamandiri.ac.id/index.php/pilar/article/view/423
Sutanto, S., 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 & Auditing, 15(1), 37–68. https://doi.org/10.14710/jaa.15.1.37-68
Suwandi, M. A., & Azis, E. (2018). Faktor- Faktor yang Mempengaruhi Penggunaan E- Money pada Generasi Millenials (Studi Kasus pada Mahasiswa S1 IPB). EProceedings of Management, 5(3), 3104–3111. https://openlibrarypublications.telkomuniversity.ac.id/index.php/management/article/view/7771
Taylor, S., & Todd, P. (1995). Decomposition and Crossover Effects in the Theory of Planned Behavior: A Study of Consumer Adoption Intentions. International Journal of Research in Marketing, 12(2), 137–155. https://doi.org/10.1016/0167-8116(94)00019-K
Thompson, R. L., Higgins, C. A., & Howell, J. M. (1991). Personal Computing: Toward a Conceptual Model of Utilization. MIS Quarterly, 15(1), 124–143. https://doi.org/10.2307/249443
Tresnawan, I. G. P. Y., Pradnyana, I. M. A., & Wirawan, I. M. A. (2020). Analisa Penerimaan Dan Penggunaan Sistem Informasi Desa (SID) Dengan Model Unified Theory Of Acceptance And Use Of Technology (UTAUT). INSERT: Information System and Emerging Technology Journal, 1(1), 51–61. https://ejournal.undiksha.ac.id/index.php/insert/article/view/25876/17358
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. 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, 36(1), 157–178. https://doi.org/10.2307/41410412
Vidantika, P. N. C. D., & Putra, I. M. P. D. (2018). Analisis TAM Terhadap Sikap Penggunaan Sistem Informasi Akuntansi Penggajian di PT Garuda Indonesia Station DPS. E-Jurnal Akuntansi, 24(2), 1105–1134. https://doi.org/10.24843/EJA.2018.v24.i02.p11
Wang, K. (2018). Research on Influence Factors of the Elderly’s Intention to Use Mobile APPs. Proceedings of the 2018 3rd International Conference on Education, Sports, Arts and Management Engineering (ICESAME 2018). https://doi.org/10.2991/icesame-18.2018.41
Widiyanti, W. (2020). Pengaruh Kemanfaatan, Kemudahan Penggunaan dan Promosi terhadap Keputusan Penggunaan E-Wallet OVO di Depok. Moneter: Jurnal Akuntansi Dan Keuangan, 7(1), 54–63. https://doi.org/10.31294/moneter.v7i1.7567
Zwain, A. A. A. (2019). Technological Innovativeness And Information Quality As Neoteric Predictors Of Users’ Acceptance Of Learning Management System : An Expansion Of UTAUT2. Interactive Technology and Smart Education, 16(3), 239–254. https://doi.org/10.1108/ITSE-09-2018-0065
Published
2023-07-30
How to Cite
AMALO, Danio Kristan; UTAMA, I Made Karya.
Niat dan Perilaku Penggunaan Mobile Wallet pada Mahasiswa Akuntansi.
E-Jurnal Akuntansi, [S.l.], v. 33, n. 7, p. 1942-1960, july 2023.
ISSN 2302-8556.
Available at: <https://ojs.unud.ac.id/index.php/akuntansi/article/view/90625>. Date accessed: 12 may 2024.
doi: https://doi.org/10.24843/EJA.2023.v33.i07.p19.
Issue
Section
Artikel
This work is licensed under a Creative Commons Attribution-ShareAlike 4.0 International License.
