The Effect of Digital Literacy and Innovation Resistance to Use Digital Payment for Taxpayers
Abstract
The growth of digital payments is accelerating with technological advancements, which must fully pique the interest of the general public, particularly the land and building taxpayers in Buleleng Regency. This study looks at how innovation resistance and digital literacy affect taxpayers' desire in adopting digital payments for land and buildings in the Buleleng area. Utilizing a questionnaire, this study is quantitative. 178 respondents were chosen using a chance sample technique from the population of this study, which consists of land and building taxpayers in the Buleleng regency. Using SEM-PLS analysis, test the data. According to the study's findings, digital literacy significantly and favorably influences people's intentions to utilize digital payments, (2) the desire to use digital payments is negatively and significantly impacted by innovation resistance, (3) the intention to use digital payments is impacted simultaneously by both digital literacy and innovation resistance.
Keywords: Digital Literacy, Innovation Resistance, Behavior Intention, Digital Payment
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References
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SNLKI, Bank Indonesia's national currency strategy for the years 2021 to 2025
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TP2DD Kabupaten Buleleng. 2021. Peta Jalan Elektronifikasi Transaksi Pemerintah Daerah Kabupaten Buleleng
Saif, Ullah. It's Umar Safdar Kiani. Raza Bashara. , Abdullah Mustafa. 2022. Customers' Intention to Use Mobile Banking and Payments: The Impact of Financial Knowledge and Digital Literacy Psychology Frontiers, Volume 13, Article 873708
Apriani, Innas Wahida. 2021. The Effect of Digital Economic Growth, Digital Literacy, and Cybercrime Threats on Decisions to Use Digital Payment with Customer Anxiety as an Intervening Variable (Study on E-Commerce Consumers Making Bill Payments Through Digital Payment Bank Syariah).
Aristana, Made Dona Wahyu. Wing Wahyu Winarno . Eko Nugroho. 2016. Analysis of Factors Affecting Resistance to Mobile Banking Services. TEKNOMATIKA Vol. 8 No 2 ISSN: 1979-7656
Badan Pusat Statistik. 2022. Kabupaten Buleleng dalam Angka 2022. https://bulelengkab.bps.go.id/publication/2022/02/25/71cc9f6bc1879292e788c045/kabupaten-buleleng-dalam-angka-2022.html
Bank Indonesia. 2021. Nusantara Report 2021 on Regional Economic and Financial Studies. Volume 16 Nomor 2 ISSN : 2527-435X
Bayu, Dimas Jarot (2020). Indonesian Majority Uses Internet More Than Eight Hours Per Day. Online Article.
Cham, Huei Tat., Jun Hua Cheah, Boon-Liat Cheng, Xin Jean Lim. 2021. I've Got the Age for This! Issues Restricting the Use of Mobile Payment. Journal of Bank Marketing International, ISSN 0265-2323
Chung, K. C., & Liang, S. W. 2020. An Integrative Perspective on Understanding the Factors Affecting Taiwan's Innovation Resistance to Mobile Payments. Mathematics, 8.
Davis, Fred D. 1989. Information technology use as seen by users in terms of usefulness, usability, and acceptance. MIS Quarterly 13(3):319—339
Departemen Komunikasi 2020, Bank Indonesia Quantitative Finance Technology.
Devri Suherdi. 2021. The importance of digital literacy during a pandemic. Cattleya Darmaya Fortuna: Deli Serdang
Dimimitrova, Irina., Peter Ohman. 2021. One obstacle is that bank customers are unable to fully adopt digital payment systems. Vol. 14 No. 5, 2022, pages 16–36,
Gilster, Paul. 1997. Digital Literacy. Meridien: Jul99
Kaligis, W. (2016). Through switching costs, the impact of perceived risk on customer loyalty. Journal of Management and Public Administration, 9(2), 221-238.
Kaur, P., Dhir, A., Singh, N., Sahu, G., & Almotairi, M. (2020). Mobile payment systems from the perspective of the innovation resistance hypothesis. Journal of Retailing and Consumer Services, 55. https://doi.org/10.1016/j.jretconser.2020.102059
Kavley, Ghana Syam, Dr.M.Candrasekaram. 2019. Rural India's E-Payment System: Problems and Challenges. Blind Review & Refereed Quarterly Journal. Volume X, Issue 40, January-March 2019.
Klapper, Leora., Dorothe Singer. 2022. The Benefits and Drawbacks of Digitizing Payments from the Government to Individuals. The World Bank Research Observer, Vol. 32, No. 2
Laporan Status LIterasi Digital di Indonesia Tahun 2021. 2021. Kementrian Komunikasi dan Informatika (Kominfo)
Sinkkonen, S., Laukkanen, P., and T. Laukkanen (2008). Deferrers, opponents, and rejectors are users of internet banking who are opposed. 26(6), 0265-2323, The International Journal of Brand Marketing. https://doi.org/10.1108/02652320810902451
Lyon, Angela C. Josephine Kass-Hanna. 2021. An explanation of the measurement and definition of "digital" financial literacy. Review of Financial Planning. 2021;4:e1113. wileyonlinelibrary.com/journal/cfp2
Meiryani, Dr. SE. Ak. MM. MAk. CA. 2021. Understanding Predictive Relevance (Q2) in SmartPLS in Scientific Research. Online Article
Nisya Nur Rahma. 2021. The Development of the Digital Age and Its Impact on Society. Online Article. https://www.kompasiana.com/nissyaar/618804b8ffe7b52428212032/perkembangan-era-digital-serta-dampaknya-bagi-masyarakat
Njogo, NBibiana O. S. Atanda Mustapha. Chinelo J. Obiekwe. 2022. Do the actions Does the use of digital payment platforms affects corruption? data from a group of West African countries. Journal of Social Science, Management, Arts, and Business, Vol. 3 No. 2, ISSN 2745-7273
Nugraheni, Agusta Ika Prihanti. Neni Pancawati. Nova Perwira Yuda. 2022. Baby Boomer Generation Challenges in Indonesia's Digital Adoption. Lembaga Penelitian dan Pengabdian kepada Masyarakat Universitas Batanghari Jambi, 22(1), Februari 2022, 417-421 Jurnal Ilmiah Universitas Batanghari Jambi, ISSN 1411-8939 (Online), ISSN 2549-4236
Pambudi, Amadea Rahma. 2019. Evaluation of Applicability of Perceived Usability and Ease of Use with Regard to OVO Digital Payment. Journal of Strategic Planning, Vol. 6, No. 2 https://publication.petra.ac.id/index.php/manajemen-pemasaran/article/view/8649
Pradini, Krissandi Tunggal. Susanti. 2021. Financial literacy, digital literacy, and user-friendliness improvements related to the use of mobile banking by BCA, BNI, and BRI. E-JURNAL EKONOMI DAN BISNIS UNIVERSITAS UDAYANA https://ojs.unud.ac.id/index.php/EEB/index Vol. 10 No. 10, October 2021, pages: 859-872 e-ISSN: 2337-3067
Priyono, Anjar. 2017. Analysis of trust and danger in the adoption of electronic dome technology Go-Pay. Pages 88–106 of Jurnal Siasat Bisnis, Volume 21, Number 1. http://www.jurnal.uii.ac.id/index.php/jsb
Purwianti, Lily. Karen Tio. 2017. Factors that Influence Behavioral Intention. Journal of Management Studies, Facultas of Economics, Kristen Maranatha University. ISSN 1411-9293; e-ISSN 2579-4094. November 2017, pages 15–32, Volume 17, No. 1. http://journal.maranatha.edu/jmm
Rachna., Priyanka Singh. 2013. Problems and Difficulties with Electronic Payment Systems. International Journal for Research in Management and Pharmacy Vol. 2 Issue 9 December 2013 (IJRMP) ISSN: 2320- 0901
Reddy, Pritika. Bibhya Sharma. 2020. Review of Literature in Digital Literacy. International Journal of Technoethics Volume 11 Issue 2
Sabrina Paramacitra. 2022. In the G20, Indonesia presented a digital literacy indicator. Online Article.
https://katadata.co.id/dinihariyanti/berita/62ba9b218627d/indonesia-tawarkan-indikator-pengukuran-literasi-digital-dalam-g20
Salsabila, Syifa Khansa. 2020. Study of Consumers Using e-payment techniques Vol. 5, No. 1 of the Journal of Accounting and Business Studies
Sari, Kartika. Ferdisar Adrian. Yuary Farradia. 2020. Analysis of Behavioral Intention for Minat Using OVO Mobile Payment. Bidang Manajemen Vol. 5 No. 4 of Jurnal Online Mahasiswa (JOM), available at jom.unpak.ac.id/index.php/ilmumanajemen/article/view/1506
Softina, Rifa Alvianu. 2021. An examination of the variables influencing innovation, resistance, and intention use in relation to the emergence of non-tuna payments http://digilib.uinsby.ac.id/51053/
Suhaeni, Tintin. 2019. A Functional Analysis of the Adoption of Mobile Payment. 2019 December Volume 5, Number 3 P-ISSN 2460-8211 E-ISSN 2684-706X
SNLKI, Bank Indonesia's national currency strategy for the years 2021 to 2025
Surat Edaran Kementrian Dalam Negeri Nomor 910/1876/SJ on Implementing Non-Tunai Transactions at the Provincial/Kota Level Government
Sutanto, Eddy Madiono. "Yessica." 2020. "Analysis of the DANA payment application." Petra Christian University's Business Management Program
Tamba, Darwis. 2017. Theory of Planned Behavior Used to Predict Purchasing of Lenovo Laptops (Studi Kasus: Mahasiswa FE- Unika Santo Thomas SU). p-ISSN 1412-0593 Vol 17 No 2 of Jurnal Manajemen dan Bisnis Universitas Katolik Santo Thomas Medan http://ejournal.ust.ac.id/index.php/JIMB ekonomi/article/view/411
TP2DD Kabupaten Buleleng. 2021. Peta Jalan Elektronifikasi Transaksi Pemerintah Daerah Kabupaten Buleleng
Saif, Ullah. It's Umar Safdar Kiani. Raza Bashara. , Abdullah Mustafa. 2022. Customers' Intention to Use Mobile Banking and Payments: The Impact of Financial Knowledge and Digital Literacy Psychology Frontiers, Volume 13, Article 873708
Published
2023-03-31
How to Cite
ADNYANI, Ni Made Susi; SINARWATI, Ni Kadek; YUDIATMAJA, Fridayana.
The Effect of Digital Literacy and Innovation Resistance to Use Digital Payment for Taxpayers.
Matrik : Jurnal Manajemen, Strategi Bisnis, dan Kewirausahaan, [S.l.], p. 83 - 95, mar. 2023.
ISSN 2302-8890.
Available at: <https://ojs.unud.ac.id/index.php/jmbk/article/view/96712>. Date accessed: 21 nov. 2024.
doi: https://doi.org/10.24843/MATRIK:JMBK.2023.v17.i01.p07.
Section
Articles
This work is licensed under a Creative Commons Attribution-ShareAlike 4.0 International License.
