Analisis Penerimaan Pengguna terhadap Financial Technology Bareksa Menggunakan Model UTAUT

Syahrul Maulana(1*), Iiswatun Khasanah(2), Abdul Yusuf(3),

(1) Universitas Singaperbangsa Karawang, Karawang, West Java
(2) Universitas Singaperbangsa Karawang, Karawang, West Java
(3) Universitas Singaperbangsa Karawang, Karawang, West Java
(*) Corresponding Author

Abstract


Financial Technology (Fintech) is a set of financial services, tools, platforms, and ecosystems that make financial products and services easier and cheaper to access. One example of the application of Fintech in financial transactions is Bareksa. User acceptance of Bareksa may be influenced by various factors, to find out more about that, this research was carried out. The purpose of this study is to find out how the perception of user acceptance and what factors influence users to use Bareksa. This study uses the Unified Theory of Acceptance and Use of Technology (UTAUT) model as the theoretical basis. The population and sample in this study were Bareksa users and the sampling technique used was quota sampling by obtaining 120 pieces of data. The research method uses Structural Equation Modeling (SEM) with the bootstrap technique because the processed data is not normally distributed. The results of this study are user acceptance of Bareksa is influenced by factors of Business Expectations and Behavioral Intentions, while the factors of Performance Expectations, Social Influences, and Facility Conditions do not affect user acceptance to use Bareksa.

Keywords


Bareksa; Financial Technology; Fintech; User acceptance; UTAUT

Full Text:

PDF

References


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

APJII (2020). Laporan Survei Internet APJII 2019–2020. In Asosiasi Penyelenggara Jasa Internet Indonesia (Vol. 2020). https://apjii.or.id/survei

Asosiasi Fintech Indonesia (2021). ANNUAL Members Survey 2021. Accessed at: https://fintech.id/storage/files/shares/Annual%20Member%20Survey%202019/2022/Spreads%20lowres_AFTECH%20-%20Annual%20Members%20Survey%202021_Bahasa%20update%2028mar%20final.pdf

Awang, Z. (2012). Structural Equation Modeling Using AMOS Graphic. Kelantan: UiTM Press.

Byrne, B. M. (2016). Structural Equation Modeling With AMOS. In Structural Equation Modeling With AMOS (Third edition). Routledge. https://doi.org/10.4324/9781315757421

Cao, Q., & Niu, X. (2019). Integrating context awareness and UTAUT to explain Alipay user adoption. International Journal of Industrial Ergonomics, 69(March 2018), 9–13. https://doi.org/10.1016/j.ergon.2018.09.004

Chairia, C., Sukmadilaga, C., & Yuliafitri, I. (2020). Peran Ekspektasi Kinerja, Ekspektasi Usaha, Pengaruh Sosial, dan Kondisi yang Mendukung terhadap Perilaku Pengguna Itqan Mobile yang Dimediasi oleh Niat Perilaku Menggunakannya. Jurnal Maksipreneur: Manajemen, Koperasi, dan Entrepreneurship, 10(1), 48. https://doi.org/10.30588/jmp.v10i1.655

Chakraborty, S. (2018). Fintech: Evolution or Revolution. Business Analytics Research Lab India, 1. https://www.researchgate.net/profile/Sumit_Chakraborty/publication/328333395_FINTECH_Evolution_or_Revolution/links/5bc6c7e0a6fdcc03c78953b4/FINTECH-Evolution-or-Revolution.pdf

Cheung, G. W., & Lau, R. S. (2008). Testing Mediation and Suppression Effects of Latent Variables. Organizational Research Methods, 11(2), 296–325. https://doi.org/10.1177/1094428107300343

Comrey, A. L., & Lee, H. B. (1992). Interpretation and application of factor analytic results. Comrey AL, Lee HB. A First Course in Factor Analysis, 2.

Dailysocial (2021). Fintech Report 2021 - The Convergence of (Digital) Financial Services. In DS-Research.

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

Fornell, C., & Larcker, D. F. (1981). Equation Algebra Unobservable Error : Variables. Journal of Marketing Research, 18(3), 382–388. https://doi.org/10.2307/3150980

Gujarat, D. N., & Porter, D. C. (2009). Basic Econometrics. In Introductory Econometrics: A Practical Approach (Fifth Edit). McGraw-Hill/Irwin.

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, 29(Icemet), 344–347. https://doi.org/10.2991/icemet-15.2015.73

Hair, J. F. J., Black, W. C., Babin, B. J., Anderson, R. E., Black, W. C., & Anderson, R. E. (2019). Multivariate Data Analysis (EIGHTH EDI). Cengage Learning EMEA WCN:

Hasif, M., & Ahmad, K. (2019). Factors Affecting the Acceptance of Financial Technology among Asnaf for the Distribution of Zakat in Selangor- A Study Using UTAUT. Journal of Islamic Finance (Special Issue), 2117, 35–46.

Johan, S. (2020). Users’ Acceptance of Financial Technology in an Emerging Market (An Empirical Study in Indonesia). Jurnal Ekonomi dan Bisnis, 23(1), 173–188. https://doi.org/10.24914/jeb.v23i1.2813

Mohamad, S. A., & Kassim, S. (2018). 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), 292, 351–357. https://doi.org/10.2991/agc-18.2019.56

Nabila, M., Purwandari, B., Nazief, B. A. A., Chalid, D. A., Wibowo, S. S., & Solichah, I. (2018). Financial Technology Acceptance Factors of Electronic Wallet and Digital Cash in Indonesia. 2018 International Conference on Information Technology Systems and Innovation (ICITSI), 284–289. https://doi.org/10.1109/ICITSI.2018.8696091

Ningsih, S., & Dukalang, H. H. (2019). Penerapan Metode Suksesif Interval pada Analsis Regresi Linier Berganda. Jambura Journal of Mathematics, 1(1), 43–53. https://doi.org/10.34312/jjom.v1i1.1742

Oliveira, T., Thomas, M., Baptista, G., & Campos, F. (2016). Mobile payment: Understanding the determinants of customer adoption and intention to recommend the technology. Computers in Human Behavior, 61(2016), 404–414. https://doi.org/10.1016/j.chb.2016.03.030

Prasetyo, D. Y. (2017). Penerapan Metode UTAUT (Unified Theory of Acceptance and Use of Technology) Dalam Memahami Penerimaan dan Penggunaan Website KKN LPPM UNISI. Jurnal SISTEMASI, 6(2), 26–34. https://doi.org/10.32520/stmsi.v6i2.50

Puschmann, T. (2017). Fintech. Business and Information Systems Engineering, 59(1), 69–76. https://doi.org/10.1007/s12599-017-0464-6

Regina, T., Kurniasari, F., & Utomo, P. (2021). UTAUT Approach Application to Analyze the Determinants of Fintech Market Aggregator User Satisfaction. Proceedings of the First International Conference of Economics, Business & Entrepreneurship, ICEBE 2020, 1st October 2020, Tangerang, Indonesia, 2–9. https://doi.org/10.4108/eai.1-10-2020.2304934

Salampasis, D., & Mention, A. L. (2018). FinTech: Harnessing Innovation for Financial Inclusion. In Handbook of Blockchain, Digital Finance, and Inclusion (Vol. 2, pp. 451–461). Elsevier Inc. https://doi.org/10.1016/B978-0-12-812282-2.00018-8

Shaikh, I. M., Qureshi, M. A., Noordin, K., Shaikh, J. M., Khan, A., & Shahbaz, M. S. (2020). Acceptance of Islamic Financial Technology (FinTech) Banking Services by Malaysian Users: An Extension of Technology Acceptance Model. Foresight, 22(3), 367–383. https://doi.org/10.1108/FS-12-2019-0105

Sugiyono, S. (2013). Metode Penelitian Kuantitatif, Kualitatif dan R&D. Bandung: CV Alfabeta.

Venkatesh, V., Smith, R. H., Morris, M. G., Davis, G. B., Davis, F. D., & Walton, S. M. (2003). User Acceptance of Information Technology: Toward A Unified View. https://doi.org/10.2307/30036540

Zavolokina, L., Dolata, M., & Schwabe, G. (2016). FinTech-What’s in a Name? https://doi.org/10.5167/uzh-126806




DOI: https://doi.org/10.30588/jmp.v12i2.1049

Article Metrics

Abstract view : 317 times
PDF - 13 times

Refbacks

  • There are currently no refbacks.


Copyright (c) 2023 Syahrul Maulana, Iiswatun Khasanah, Abdul Yusuf

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

Creative Commons License
Jurnal Maksipreneur: Manajemen, Koperasi, dan Entrepreneurship is licensed under a Creative Commons Attribution 4.0 International License.
Based on a work at http://ejournal.up45.ac.id/index.php/maksipreneur.

Jurnal Maksipreneur: Manajemen, Koperasi, dan Entrepreneurship has been indexed/archived by:

DOAJGoogle Scholar Crossref Sinta EBSCO Essentials Garuda IOS Microsoft Academic ROAD Dimensions WorldCat ResearchBib Scilit logo OpenAIRE CORE Semantic Scholar EuroPub Publons

Journal of Maksipreneur: Management, Cooperative, and Entrepreneurship (JMP)

Organized by Management Department, Universitas Proklamasi 45, Yogyakarta, Indonesia

Published by Universitas Proklamasi 45, Yogyakarta, Indonesia

Email: maksipreneurjurnal@gmail.com | jurnal.maksipreneur@up45.ac.id

ISSN (electronic): 2527-6638  ISSN (printed): 2089-550X