Pengembangan Model Niat Perilaku Pengguna Layanan Pay Later Di M-Commerce

Fitriyah, Nur Windiana (2024) Pengembangan Model Niat Perilaku Pengguna Layanan Pay Later Di M-Commerce. Masters thesis, Institut Teknologi Sepuluh Nopember.

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Abstract

Salah satu fenomena terkini yang memainkan peran kunci transformasi digital adalah perdagangan melalui perangkat mobile, yang dikenal sebagai m-commerce. M-commerce merupakan perpanjangan dari ekosistem e-commerce. Aktivitas bisnisnya dilakukan secara nirkabel melalui perangkat seluler yang bisa dilakukan kapan dan dimana saja tanpa ada keterbatasan geografi dan waktu. Transaksi keuangan menjual/membeli produk dan layanan m-commerce menggunakan pembayaran digital. Layanan tersebut dikenal dengan financial technology (fintech). Keberadaan fintech memberikan dampak positif dengan menghadirkan solusi terkait layanan keuangan bagi masyarakat, salah satunya dengan adanya layanan pay later. Pay later menawarkan kemudahan dalam mengakses layanan cicilan kredit tanpa proses perbankan yang rumit. Karena caranya yang mudah dan lugas, menyebabkan banyak pengguna tertarik menggunakan fitur ini. Tujuan dari penelitian ini adalah mengetahui dampak dari faktor yang mempengaruhi niat perilaku pengguna layanan pay later di aplikasi m-commerce. Teknik pengumpulan data dilakukan dengan observasi, wawancara, dokumen, materi audiovisual dan digital kepada informan pengguna pay later di aplikasi m-commerce. Dari penelitian ini, diharapkan dapat menghasilkan temuan yang memberikan model akhir niat perilaku pengguna pay later di aplikasi m-commerce dengan 8 faktor, yaitu social influence, information quality, perceived ease of use, financial literacy, hedonic values, perceived usefulness, trust dan habit.
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One of the latest phenomena that plays an important role in digital transformation is commerce via mobile devices or what is known as m-commerce. M-commerce is an extension of the e-commerce ecosystem. Business activities are carried out wirelessly via mobile devices which can be done anytime and anywhere without geographic and time restrictions. Financial transactions selling/purchasing m-commerce products and services using digital payments. This service is known as financial technology (fintech). The existence of fintech has had a positive impact by providing solutions related to financial services. Pay later offers convenience in accessing credit installment services without complicated banking processes. Because the method is easy and straightforward, many users are interested in using this feature. The aim of this research is to determine the influence of factors that influence the behavioral intentions of pay later service users on m-commerce applications. Data collection techniques were carried out using observation, interviews, documents, audiovisual and digital materials for informants using paylater in m-commerce applications. From this research, it is hoped that it can produce findings that provide a final model of user behavior intentions to pay later on m-commerce applications with 8 factors, namely social influence, information quality, perceived ease of use, financial literacy, hedonic values, perceived usefulness, trust and habit.

Item Type:	Thesis (Masters)
Uncontrolled Keywords:	niat perilaku, pay later, m-commerce, faktor, model; behavior intentions, pay later, m-commerce, factors, model
Subjects:	T Technology > T Technology (General) > T58.6 Management information systems
Divisions:	Faculty of Intelligent Electrical and Informatics Technology (ELECTICS) > Information System > 59101-(S2) Master Thesis
Depositing User:	Nur Windiana Fitriyah
Date Deposited:	19 Feb 2024 04:47
Last Modified:	19 Feb 2024 04:47
URI:	http://repository.its.ac.id/id/eprint/107538

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