Authors:

Nurabiah Nurabiah, Herlina Pusparini, Nur Fitriyah

Abstract:

“The research objective is to analyze what factors influence the use of e-money with the extended unified theory of acceptance and use of technology (UTAUT2) theoretical approach. Data collection using a questionnaire. The research sample was e-money users aged 17-35 years as a proxy for the millennial generation in Mataram City with a total of 287 respondents. The results of empirical data testing show that the behavioral intention variable has a significant positive effect on use behavior, the habit and perceived risk variables have a significant effect on behavioral intention, the perceived risk variable has a significant positive effect on financial risk, performance risk, and privacy risk and habit has a significant effect on use behavior. Meanwhile, the variable effort expectancy, facilitating conditions, hedonic motivation, performance expectancy, price value, and social influence do not affect behavioral intention and facilitating conditions do not affect use behavior. Keywords: Determinant; E-Money; Risk; UTAUT 2”

Keywords

Determinant; E-Money; Risk; UTAUT 2

Downloads:

Download data is not yet available.

References

  • Abed, S. (2018). An empirical examination of Instagram as an s-commerce channel. Journal of Advances in Management Research, 15(2), 146–160. https://doi.org/10.1108/JAMR-05-2017-0057
  • Alalwan, A. A., 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
  • Aoun, C., Vatanasakdakul, S., & Li, Y. (2010). AIS in Australia: UTAUT application & cultural implication. ACIS 2010 Proceedings - 21st Australasian Conference on Information Systems.
  • Bendi, R. K. J., & Sri Andayani. (2013). Penerapan Model UTAUT untuk memahami perilaku penggunasistem informasi akademik.
  • BI. (2018). PERATURAN BANK INDONESIA NOMOR 20/6/PBI/2018 TENTANG UANG ELEKTRONIK. https://www.bi.go.id/elicensing/helps/PBI-200618 UE.pdf
  • Boksberger, P. E., & Melsen, L. (2011). Perceived value: A critical examination of definitions, concepts and measures for the service industry. Journal of Services Marketing, 25(3), 229–240. https://doi.org/10.1108/08876041111129209
  • 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: Management Information Systems, 29(3), 399–426. https://doi.org/10.2307/25148690
  • Chopdar, P. K., Korfiatis, N., Sivakumar, V. J., & Lytras, M. D. (2018). Mobile shopping apps adoption and perceived risks: A cross-country perspective utilizing the Unified Theory of Acceptance and Use of Technology. Computers in Human Behavior, 86, 109–128. https://doi.org/10.1016/j.chb.2018.04.017
  • Darmansyah. (2017). Model Acceptance of Accounting Information System Untuk Mengidentifikasi.
  • Dipanegara, F. (2019). Blueprint Sistem Pembayaran Indonesia 2025. https://www.bi.go.id/id/publikasi/kajian/Pages/Blueprint-Sistem-Pembayaran-Indonesia-2025.aspx
  • Euis Widanengsih. (2021). Penerapan Unified Theory Of Acceptance And Use Of Technology Model Untuk Mengukur Perilaku Pengguna Aplikasi Akuntansi Pada Usaha Kecil Dan Menengah. 2(3), 146–160.
  • Farivar, S., Turel, O., & Yuan, Y. (2018). Skewing users’ rational risk considerations in social commerce: An empirical examination of the role of social identification. Information and Management, 55(8), 1038–1048. https://doi.org/10.1016/j.im.2018.05.008
  • Ghozali, I. (2011). Structural Equation Modeling Metode Alternatif dengan Partial Least Square (PLS) (3rd ed.). Semarang : Undip.
  • Gupta, A., & Dogra, N. (2017). Tourist adoption of mapping apps: A UTAUT2 perspective of smart travellers. Tourism and Hospitality Management, 23(2), 145–161. https://doi.org/10.20867/thm.23.2.6
  • Han, M. C., & Kim, Y. (2017). Why Consumers Hesitate to Shop Online: Perceived Risk and Product Involvement on Taobao.com. Journal of Promotion Management, 23(1), 24–44. https://doi.org/10.1080/10496491.2016.1251530
  • Handayani, T., & Sudiana, S. (2017). Analisis Penerapan Model Utaut (Unified Theory of Acceptance and Use of Technology) Terhadap Perilaku Pengguna Sistem Informasi (Studi Kasus: Sistem Informasi Akademik Pada Sttnas Yogyakarta). Angkasa: Jurnal Ilmiah Bidang Teknologi, 7(2), 165. https://doi.org/10.28989/angkasa.v7i2.159
  • Icek Ajzen. (2002). Residual Effects of Past on Later Behavior: Habituation and Reasoned Action Perspectives. Personality and Social Psychology Review, 6(2), 107–122. https://doi.org/10.1207/S15327957PSPR0602
  • Imtiaz, S. (2020). The Studies of Unified Theory of Acceptance and Use of Technology ( UTAUT ) in M-Commerce Context The Studies of Unified Theory of Acceptance and Use of Technology ( UTAUT ) in M-Commerce Context. June 2018.
  • 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. https://doi.org/10.24036/jea.v1i4.188
  • Kim, H. W., Chan, H. C., & Gupta, S. (2007). Value-based Adoption of Mobile Internet: An empirical investigation. Decision Support Systems, 43(1), 111–126. https://doi.org/10.1016/j.dss.2005.05.009
  • Kim, S. S., & Malhotra, N. K. (2005). A longitudinal model of continued IS use: An integrative view of four mechanisms underlying postadoption phenomena. Management Science, 51(5), 741–755. https://doi.org/10.1287/mnsc.1040.0326
  • Kirana, N. (2016). Analisis Faktor-Faktor Yang Dengan Menggunakan Model UTAUT ( Studi Empiris pada Pengguna Sistem Informasi Akuntansi di Bank Mandiri ).
  • Kurniawan, A. T., & Endahjati, S. (2020). Faktor yang Mempengaruhi Keberterimaan Penggunaan Uang Digital di Masyarakat Kota Yogyakarta. Jurnal Akuntansi Keuangan Dan Bisnis, 13(2), 1–10.
  • Liao, C., Palvia, P., & Lin, H. N. (2006). The roles of habit and web site quality in e-commerce. International Journal of Information Management, 26(6), 469–483. https://doi.org/10.1016/j.ijinfomgt.2006.09.001
  • Limayem, M., Hirt, S. G., & Cheung, C. M. K. (2007). How habit limits the predictive power of intention: The case of information systems continuance. MIS Quarterly: Management Information Systems, 31(4), 705–737. https://doi.org/10.2307/25148817
  • Macedo, I. M. (2017). Predicting the acceptance and use of information and communication technology by older adults: An empirical examination of the revised UTAUT2. Computers in Human Behavior, 75, 935–948. https://doi.org/10.1016/j.chb.2017.06.013
  • Mahande, R. D., & Jasruddin. (2016). UTAUT Model : Suatu Pendekatan Evaluasi Penerimaan E-Learning pada Program Pascasarjana. Prosiding Seminar Nasional. https://www.researchgate.net/publication/323905954_UTAUT_Model_Suatu_Pendekatan_Evaluasi_Penerimaan_E-Learning_pada_Program_Pascasarjana
  • Maharani, W., & Darmawan, S. S. A. (2020). Analisis Pola Konsumsi Masyarakat Kota Batam Berdasarkan Penggunaan E-Money Berbasis Aplikasi. Jurnal Akuntansi, Ekonomi Dan Manajemen Bisnis, 8(2), 248–262. https://doi.org/https://doi.org/10.30871/jaemb.v8i2.2690
  • Merhi, M., Hone, K., & Tarhini, A. (2019). A cross-cultural study of the intention to use mobile banking between Lebanese and British consumers: Extending UTAUT2 with security, privacy and trust. Technology in Society, 59(June), 101151. https://doi.org/10.1016/j.techsoc.2019.101151
  • Mustaqim, R., Kusyanti, A., & Aryadita, H. (2018). Analisis Faktor-Faktor yang Memengaruhi Niat Penggunaan E-Commerce XYZ Menggunakan Model UTAUT (Unified Theory Acceptance and Use Of Technology). Jurnal Pengembangan Teknologi Informasi Dan Ilmu Komputer, 2(7), 2584–2593.
  • Muttaqin, M., & Prihandoko. (2018). Analisa Pemanfaatan Sistem Informasi E-Office Pada Universitas Pembangunan Panca Budi Medan Dengan Menggunakan Metode UTAUT. Jurnal Teknik Dan Informatika, 5(1), 40–43.
  • Nasir, M. (2013). Evaluasi Penerimaan Teknologi Informasi Mahasiswa di Palembang Menggunakan Model UTAUT. Seminar Nasional Aplikasi Teknologi Informasi (SNATI), 1(1), 15–2013. https://journal.uii.ac.id/Snati/article/view/3006
  • Negahban, A., & Chung, C. H. (2014). Discovering determinants of users perception of mobile device functionality fit. Computers in Human Behavior, 35, 75–84. https://doi.org/10.1016/j.chb.2014.02.020
  • Nugraha, G. S., & Yadnyana, K. (2018). Penerapan Model UTAUT dalam Menjelaskan Faktor Minat dan Penggunaan Sistem Informasi Manajemen Daerah. E-Jurnal Akuntansi Universitas Udayana, 959-987, 24(2), 959–987. https://doi.org/10.24843/EJA.2018.v24.i02.p06
  • Nurlita Novianti, Z. B. (2010). Faktor-Faktor yang Mempengaruhi Minat Pemanfaatan Sistem Informasi Berbasis Komputer dengan Gender sebagai Variabel Moderating. Jurnal Akuntansi Multiparadigma, December 2010. https://doi.org/10.18202/jamal.2010.12.7100
  • Onibala, A. A., Rindengan, Y., & Lumenta, A. S. (2021). Analisis Penerapan Model UTAUT 2 ( Unified Theory Of Acceptancy And Use Of Technology 2 ) Terhadap E-Kinerja Pada Pemerintah Provinsi Sulawesi Utara. E-Journal Teknik Informatika, 2, 1–13.
  • Petrick, J. F. (2002). Development of a multi-dimensional scale for measuring the perceived value of a service. Journal of Leisure Research, 34(2), 119–134. https://doi.org/10.1080/00222216.2002.11949965
  • Piarna, R., & Fathurohman, F. (2019). Adopsi E-Commerce Pada Umkm Di Kota Subang Menggunakan Model Utaut. Jurnal Ilmiah Ilmu Dan Teknologi Rekayasa, 2(1). https://doi.org/10.31962/jiitr.v2i1.13
  • Piarna, R., Fathurohman, F., & Nugraha, N. (2020). Understanding online shopping adoption : The unified theory of acceptance and the use of technology with perceived risk in millennial consumers context. Jurnal Ilmiah Bidang Akuntansi Dan Manajemen, 17(1), 51–66. https://doi.org/10.31106/jema.v17i1.5050
  • Putri, R. A., & Jumhur, H. M. (2019). Peminat Aplikasi Blibli.Com Dengan Menggunakan Model Unified Theory of Acceptance and Use of Technology (Utaut). Jurnal Riset Bisnis Dan Manajemen, 12(1), 16–23.
  • Putri, Y. E., Wiryono, S. K., & Nainggolan, Y. A. (2019). Method of Payment Adoption in Indonesia E-Commerce. 12(2), 94–102.
  • Reza Mahendra, A. (2003). Faktor-Faktor Yang Mempengaruhi Minat Pemanfaatan Sistem Informasi Pengelola Keuangan Daerah (SIPKD). Records Management Journal, 1(2), 1–15.
  • Sedana, I. G. N., & Wijaya, S. W. (2012). Penerapan Model Utaut Untuk Memahami Penerimaan Dan Penggunaan Learning Management System Studi Kasus: Experential E-Learning of Sanata Dharma University. Jurnal Sistem Informasi, 5(2), 114. https://doi.org/10.21609/jsi.v5i2.271
  • Shaw, N., & Sergueeva, K. (2019). The non-monetary benefits of mobile commerce: Extending UTAUT2 with perceived value. International Journal of Information Management, 45(December 2017), 44–55. https://doi.org/10.1016/j.ijinfomgt.2018.10.024
  • Sumistar, E. A. (2011). Pengaruh Minat Pemanfaatan Sistem Informasi dan Penggunaan Sistem Informasi terhadap Kinerja Individu (Studi pada PT. Samator Gas Industri).
  • Tak, P., & Panwar, S. (2017). Using UTAUT 2 Model to Predict Mobile App based shopping: Evidences from India. Journal of Indian Business Research, 5(3), 198–214.
  • Tarhini, A., Alalwan, A. A., Shammout, A. B., & Al-Badi, A. (2019). An analysis of the factors affecting mobile commerce adoption in developing countries: Towards an integrated model. Review of International Business and Strategy, 29(3), 157–179. https://doi.org/10.1108/RIBS-10-2018-0092
  • Thong, J. Y. L., Hong, S. J., & Tam, K. Y. (2006). The Effects of Post-Adoption Beliefs on the Expectation-Confirmation Model for Information Technology Continuance. International Journal of Human Computer Studies, 64, 799-810. https://doi.org/https://doi.org/10.1016/j.ijhcs.2006.05.001
  • Turan, A., Tunç, A. Ö., & Zehir, C. (2015). A Theoretical Model Proposal: Personal Innovativeness and User Involvement as Antecedents of Unified Theory of Acceptance and Use of Technology. Procedia - Social and Behavioral Sciences, 210, 43–51. https://doi.org/10.1016/j.sbspro.2015.11.327
  • 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., & Xin, 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/10.1109/MWSYM.2015.7167037
  • Wang, Y., & Herrando, C. (2019). Does privacy assurance on social commerce sites matter to millennials? International Journal of Information Management, 44(February), 164–177. https://doi.org/10.1016/j.ijinfomgt.2018.10.016
  • Wang, Y. S., Wu, M. C., & Wang, H. Y. (2009). Investigating the determinants and age and gender differences in the acceptance of mobile learning. British Journal of Educational Technology, 40(1), 92–118. https://doi.org/10.1111/j.1467-8535.2007.00809.x
  • Webb, T. L., Sheeran, P., & Luszczynska, A. (2009). Planning to break unwanted habits: Habit strength moderates implementation intention effects on behaviour change. British Journal of Social Psychology, 48(3), 507–523. https://doi.org/10.1348/014466608X370591
  • Wong, C.-H., Tan, G., Loke, S.-P., & Ooi, K.-B. (2015). Adoption of mobile social networking sites for learning? Online Information Review, 39(6), 762–778. https://doi.org/10.1108/OIR-05-2015-0152
  • Wong, S. (2019). Mobile Internet Adoption in Malaysian Suburbs : The Moderating Effect of Gender. 9(3), 90–114. https://doi.org/10.14707/ajbr.190069
  • Wu, M. C., & Kuo, F. Y. (2008). An Empirical Investigation of Habitual Usage and Past Usage on Technology Acceptance Evaluations and Continuance Intention. Data Base for Advances in Information Systems, 39(4), 48–73. https://doi.org/10.1145/1453794.1453801
  • Zhang, L., Zhu, J., & Liu, Q. (2012). A meta-analysis of mobile commerce adoption and the moderating effect of culture. Computers in Human Behavior, 28(5), 1902–1911. https://doi.org/10.1016/j.chb.2012.05.008
  • Zulfikar, R., & Mayvita, P. A. (2018). The Relationship of Perceived Value, Perceived Risk, and Level of Trust Towards Green Products of Fast Moving Consumer Goods Purchase Intention. JEMA: Jurnal Ilmiah Bidang Akuntansi Dan Manajemen, 15(2), 1. https://doi.org/10.31106/jema.v15i2.838

PDF:

https://jurnal.harianregional.com/akuntansi/full-91940

Published

2023-01-26

How To Cite

NURABIAH, Nurabiah; PUSPARINI, Herlina; FITRIYAH, Nur. Determinan Penggunaan E-Money dengan Pendekatan Model UTAUT 2 dan Risiko yang Dirasakan.E-Jurnal Akuntansi, [S.l.], v. 33, n. 1, p. 180-201, jan. 2023. ISSN 2302-8556. Available at: https://jurnal.harianregional.com/akuntansi/id-91940. Date accessed: 08 Jul. 2024. doi:https://doi.org/10.24843/EJA.2023.v33.i01.p14.

Citation Format

ABNT, APA, BibTeX, CBE, EndNote - EndNote format (Macintosh & Windows), MLA, ProCite - RIS format (Macintosh & Windows), RefWorks, Reference Manager - RIS format (Windows only), Turabian

Issue

Vol 33 No 1 (2023)

Section

Articles

Creative Commons License This work is licensed under a Creative Commons Attribution 4.0 International License