Modifikasi Model Analisis Faktor yang Mempengaruhi Behavioral Intention dan Use Behavior Pengguna E-Wallet Menggunakan Structural Equation Modeling

Handayani, Kiki Khusna (2024) Modifikasi Model Analisis Faktor yang Mempengaruhi Behavioral Intention dan Use Behavior Pengguna E-Wallet Menggunakan Structural Equation Modeling. Other thesis, Institut Teknologi Sepuluh Nopember.

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Abstract

Popularitas e-wallet membuka peluang modernisasi pembayaran, inklusi keuangan, dan ekonomi digital maju. Ini terlihat dari penggunaan masyarakat terhadap pembayaran dan layanan digital yang meningkat. Dengan demikian, e-wallet berperan penting dalam mempercepat transformasi digital dan mendorong pertumbuhan ekonomi yang lebih inklusif dan berkelanjutan. Pertumbuhan adopsi e-wallet di Indonesia masih jauh dari optimal dan relatif rendah jika dibandingkan dengan beberapa negara lain. Oleh karena itu, perusahaan penyedia layanan e-wallet perlu berupaya untuk mendorong pertumbuhan e-wallet. Dalam upaya ini, merumuskan strategi berdasarkan faktor-faktor yang mempengaruhi Behavioral Intention pengguna e-wallet menjadi kunci utama. Dengan memahami dan mengatasi hambatan serta memperkuat faktor-faktor yang memengaruhi niat pengguna, perusahaan dapat meningkatkan adopsi e-wallet secara signifikan. Tujuan utama dari penelitian ini adalam memodifikasi model dari penelitian sebelumnya yaitu perluasan model UTAUT dengan menambahkan variabel Perceived Risk dan Perceived Trust. Penelitian ini mengidentifikasi faktor atau variabel yang mempengaruhi Behavioral Intention pengguna e-wallet, kemudian menganalis hubungan Behavioral Intention terhadap Use Behavior. Analisis dilakukan terhadap pengguna aktif e-wallet di Indonesia untuk memberikan rekomendasi sebagai upaya meningkatkan Use Behavior e-wallet. Penelitian ini memanfaatkan telaah artikel untuk merancang kuesioner dan mengumpulkan data melalui kuesioner kepada responden pengguna e-wallet di Indonesia yang berusia 17-35 tahun. Terdapat 244 data responden yang digunakan untuk diolah. Analisis data menggunakan metode Partial Least Squares Structural Equation Modeling (PLS-SEM) dengan SPSS dan Smart PLS, melibatkan uji outer model dan iner model, serta uji hipotesis.Penelitian ini menemukan bahwa Use Behavior dipengaruhi signifikan oleh Behavioral Intention sebesar β = 0.420, serta Satisfaction, dan Facilitating Conditions. Selain itu, Behavioral Intention dipengaruhi secara signifikan oleh Perceived Enjoyment, Mobile Self-Efficacy, Facilitating Conditions, Perceived Trust, Effort Expectancy, dan Perceived Risk. Perceived Risk memiliki pengaruh negatif, menunjukkan bahwa semakin tinggi risiko yang dirasakan, semakin rendah niat untuk menggunakan e-wallet. Di sisi lain, Social Influence tidak memiliki pengaruh signifikan terhadap Behavioral Intention. Diharapkan hasil penelitian ini dapat digunakan sebagi referensi penelitian selanjutnya terkait Behavioral Intention dan Use Behavior pengguna e-wallet. Selain itu, hasil penelitian ini memberikan wawasan bagi penyedia layanan e-wallet dan pemerintah Indonesia, memungkinkan mereka untuk mengembangkan strategi yang efektif dalam mempromosikan adopsi e-wallet dan mendorong pertumbuhan yang berkelanjutan.
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The popularity of e-wallets has opened up opportunities for modernizing payments, financial inclusion, and advancing digital economies. This trend is evident from the increased usage of digital payments and services by the public. Consequently, e-wallets play a crucial role in accelerating digital transformation and promoting more inclusive and sustainable economic growth. Despite the potential, e-wallet adoption in Indonesia remains suboptimal and relatively low compared to some other countries. Therefore, e-wallet service providers need to make efforts to boost e-wallet growth. In this endeavor, formulating strategies based on factors influencing users’ behavioral intentions becomes essential. By understanding and addressing barriers while reinforcing the factors that impact user intentions, companies can significantly enhance e-wallet adoption. The main objective of this research is to modify a model based on a previous study by extending the Unified Theory of Acceptance and Use of Technology (UTAUT) model. In this modification, we introduce two additional variables: Perceived Risk and Perceived Trust. The study aims to identify factors that influence the Behavioral Intention of e-wallet users and analyze the relationship between Behavioral Intention and Use Behavior. The analysis focuses on active e-wallet users in Indonesia, with the goal of providing recommendations to enhance e-wallet Use Behavior. This research utilizes literature review articles to design a questionnaire and collect data from e-wallet users in Indonesia aged 17-35 years. A total of 244 respondent data points were processed. Data analysis employed the Partial Least Squares Structural Equation Modeling (PLS-SEM) method using SPSS and Smart PLS, including tests for the outer model, inner model, and hypotheses. The research reveals that Use Behavior is significantly influenced by Behavioral Intention (β = 0.420), as well as by Satisfaction and Facilitating Conditions. Additionally, Behavioral Intention is significantly affected by Perceived Enjoyment, Mobile Self-Efficacy, Facilitating Conditions, Perceived Trust, Effort Expectancy, and Perceived Risk. Notably, Perceived Risk has a negative impact, indicating that higher perceived risk leads to lower intentions to use e-wallets. On the other hand, Social Influence does not significantly affect Behavioral Intention. It is hoped that the results of this research can be used as a reference for further studies related to the Behavioral Intention and Use Behavior of e-wallet users. Additionally, this study provides insights for e-wallet service providers and the Indonesian government, enabling them to develop effective strategies to promote e-wallet adoption and drive sustainable growth.

Item Type:	Thesis (Other)
Uncontrolled Keywords:	e-wallet, UTAUT, behavioral intention, use behavior, perceived risk, perceived trust
Subjects:	Q Science > QA Mathematics > QA278.3 Structural equation modeling. T Technology > T Technology (General)
Divisions:	Faculty of Intelligent Electrical and Informatics Technology (ELECTICS) > Information System > 57201-(S1) Undergraduate Thesis
Depositing User:	Kiki Khusna Handayani
Date Deposited:	25 Jul 2024 05:10
Last Modified:	25 Jul 2024 05:10
URI:	http://repository.its.ac.id/id/eprint/108788

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