The Influence of TAM, Social influence, Security Relationship toward Intention to Use E Wallet through Attitude and Trust

Ulfa Khoirun Nisa, Nihayatu Aslamatis Solekah

Abstract


The purpose of this study is to examine relationship of TAM, Social Influence and Security Toward Intention to use (IU) E-wallet with attitude and trust as intervening variables. The research uses quantitative approach with survey approach.   The population of this survey is the people who live in Malang City with the conditions that they are 19-34 years old and the e-wallet used is (Gojek, OVO, Dana, LinkAja, Jenius). The samples taken was 150 respondents. The analysis technique used was SEM-PLS. The results showed that PU, SI, and S had no influence on IU e-wallets, only PEU had direct influence on IU e-wallets, Attitude could not mediate PU and PEU on IU e-wallet, but Trust could fully mediate Security against IU. This showed that the security of using the system can influence respondents' intention to use e-wallets based on trust in the system and it is recommended that e-wallet providers always pay attention to the security of their systems and simplify their applications so that users can benefit from using them.

Keywords


technology acceptance model, social influence, security, intention to use, attitude, trust

Full Text:

PDF

References


Adiwibowo, Lili, Hurriyati, Ratih, dan M. S. (2012). Analisis Perilaku Pengguna Teknologi Informasi Pada Perguruan Tinggi Berstatus BHMN (Studi Penerapan Teknologi Informasi Pada FPEB-Universitas Pendidikan Indonesia).

Ajzen, I. (1991). The Theory of Planned Behavior. Organizational Behavior and Human Decision Processe, 50(2), 179–211. https://doi.org/10.1016/0749-5978(91)90020-T

Amin, H., Hamid, M.R.A., Tanakinjal, G.H. and Lada, S. (2006). Undergraduate Attitudes and Expectations for Mobile Banking. Journal of Internet Banking and Commerce.

Amir, M. T. (2005). Dinamika Pemasaran : Jelajahi & Rasakan. PT. Raja Grafindo Persada.

APJII. (2019). Profil Pengguna Internet 2019.

APJII. (2020). Survey Pengguna Internet 2019-Q2 2020. (pp.1-17).

Arpaci, Cetin, & T. (2015). Impact of Perceived Security on Organizational Adoption of Smartphone. Cyberpsychology, Behavior, and Social Networking. 602–608.

Azwar. (2013). Sikap Manusia : Teori dan Pengukurannya. Pustaka Pelajar.

Baharuddin & Wahyuni. N. (2008). Belajar dan Pembelajaran. Ar-ruzz Media.

Buabeng-Andoh, C. (2018). Predicting Students’ Intention to Adopt Mobile Learning. Journal of Research in Innovative Teaching & Learning, 11(2), 178–191. https://doi.org/10.1108/jrit-03-2017-0004

Chau, V.S. and Ngai, L. W. L. C. (2010). The Youth Market for Internet Banking Services : Perceptions, Attitude and Behaviour. Journal of Services Marketing, 24, 42–60.

Chawla, D., & Joshi, H. (2019). Consumer Attitude and Intention to Adopt Mobile Wallet in India – An Empirical Study. International Journal of Bank Marketing, 37(7), 1590–1618. https://doi.org/10.1108/IJBM-09-2018-0256

Davis. (1989). Perceived Usefulness, Perceived Ease of Use, and User Acceptance of Information Technology. MIS Quarterly, 13.

Fahmi, Z., & S. E. (2019). Pengaruh Iklan dan Perceived Security terhadap Minat Transaksi Pembayaran Berbasis e-Payment dengan Sikap sebagai Variabel Intervening pada Masyarakat di Kota Padang. Kajian Manajemen & Wirausaha, 1, 83–96.

Ghozali, I. (2006). Stuctural Equation Modeling, Metode Alternatif dengan Partial Least Square Edisi 2. Badan Penerbit Universitas Diponegoro.

Hadikusuma, S., dan Jaolis, F. (2019). Pengaruh Social Influence, Perceived Usefulness, Dan Perceived Security Terhadap Continue Use Intention Aplikasi Mobile Payment Ovo Melalui Attitude Towards Using Mobile Payment Sebagai Variabel Intervening Di Kalangan Mahasiswa Fakultas Bisnis Dan Ekonom. Agora, 7(2) 28724.

Jamshidi, D., & Hussin, N. (2016). Forecasting Patronage Factors of Islamic Credit Card as a New e-Commerce Banking Service: An Integration of TAM with Perceived Religiosity and Trust. Journal of Islamic Marketing, 7(4), 378–404. https://doi.org/10.1108/JIMA-07-2014-0050

Jogiyanto. (2007). Sistem Informasi Keperilakuan (Edisi Revi). Andi Offset.

Kusuma, H. dan Susilowati, D. (2009). Determinan Pengadopsian Layanan Internet Banking: Perspektif Konsumen Perbankan Daerah Istimewa Jogjakarta. Jurnal Akuntansi Dan Auditing Indonesia, 11.

Lee; Wan. (2010). Customer Perceptions of E-Service Quality in Online Shopping. International. Journal of Retail and Distribution Management, 2.

Mahendra, Y. A. S., Winarno, W. W., & Santosa, P. I. (2017). Pengaruh Perceived Security terhadap Pengadopsian In-App Purchase pada Aplikasi Mobile. Jurnal Nasional Teknik Elektro Dan Teknologi Informasi (JNTETI), 6(2), 184–193. https://doi.org/10.22146/jnteti.v6i2.313

Patel, K. J., & Patel, H. J. (2018). Adoption of Internet Banking Services in Gujarat: An Extension of TAM with Perceived Security and Social Influence. International Journal of Bank Marketing, 36(1), 147–169. https://doi.org/10.1108/IJBM-08-2016-0104

Roca, J. C., García, J. J., & de la Vega, J. J. (2009). The Importance of Perceived Trust, Security and Privacy in Online Trading Systems. Information Management and Computer Security, 17(2), 96–113. https://doi.org/10.1108/09685220910963983

Sharma, S. K., Govindaluri, S. M., Muharrami, S. M., & Tarhini, A. (2017). A Multi-Analytical Model for Mobile Banking Adoption: a Developing Country Perspective. Review of International Business and Strategy, 27(1), 133–148. https://doi.org/10.1108/RIBS-11-2016-0074

Singh, S., & Srivastava, R. K. (2018). Predicting the Intention to Use Mobile Banking in India. International Journal of Bank Marketing, 36(2), 357–378. https://doi.org/10.1108/IJBM-12-2016-0186

Sugiyono. (2013). Metode Penelitian Pendidikan Pendekatan Kuantitatif, Kualitatif, dan R&D. Alfabeta.

Taylor, S., & Todd, P. A. (1995). Understanding Information Technology Usage: a Test of Competing Models. Information Systems Research, 06, 144–176.

Trivedi, S. K., & Yadav, M. (2018). Predicting Online Repurchase Intentions with e-Satisfaction as Mediator: a Study on Gen Y. VINE. Journal of Information and Knowledge Management Systems, 48(3), 427–447. https://doi.org/10.1108/VJIKMS-10-2017-0066

Trivedi, S. K., & Yadav, M. (2020). Repurchase Intentions in Y Generation : Mediation of Trust and e-Satisfaction. Marketing Intellegence & Planning. https://doi.org/10.1108/mip-02-2019-0072

Wallace, & S. (2014). The Adoption of Software Measures : a Technology Accepted Model (TAM) Perspective. Information and Management, 249–259.

Wang, E. S.-T. dan C., & N. P.-Y. (2014). Consumer Characteristics, Social Influence, and System Factors on Online Group- Buying Repurchasing Intention. Journal of Electronic Commerce Research, 15.

Wibowo. (2008). Materi Pelatihan Structural Equestion. Airlangga.




DOI: https://doi.org/10.18860/iq.v18i1.12916



Editorial Office:
Management Department,
Faculty of Economics,
State Islamic University of Maulana Malik Ibrahim
Gajayana Str. No. 50 Phone. (0341) 558881,
E-mail: iqtishoduna@uin-malang.ac.id

E-ISSN 2614-3437
P-ISSN 1829-524X

Lisensi Creative Commons
IQTISHODUNA under CC BY SA 4.0 Internasional.

Indexed by: 

  Hasil gambar untuk gambar onesearchResearchBib  

Member of:


View My Stats