Tam Model: What Affects Gen Z Interest in the Use of e-Wallets?

Authors

  • Humairoh Humairoh Universitas Muhammadiyah Tangerang, Indonesia
  • Mohammad Annas Universitas Multimedia Nusantara, Indonesia

DOI:

https://doi.org/10.31933/dijdbm.v4i2.1695

Keywords:

Perceived Ease of Use, Perceived Usefulness, Intention Behaviour, E-Wallet

Abstract

The reason for this study is to determine the variables Perceived ease of use and Perceived usefulness of hobby in using the OVO E-wallet in technology Z. This study is a quantitative look at. The pattern for this look changed into 79 respondents using the Slovin formulation, with a purposive sampling approach. Number one, data collection is acquired by dispensing questionnaires. The evaluation technique used becomes multiple regression analysis using the SPSS model 26 software program. The consequences showed that perceived ease of use had a positive and significant effect on perceived usefulness, perceived ease of use had a positive and significant effect on interest in using e-wallets, perceived usefulness had an impact positive and significant toward the intention to use an e-wallet and perceived usefulness is moderation of perceived ease of use towards the intention to behave e-wallet. The determinant coefficient is 57.2%. The rest is influenced by factors not examined.

References

Arikunto, S. (2019). Prosedur Penelitian Suatu Pendekatan Praktik. Rineka Cipta.

Ariningsih, E. P., Wijayanti, W., & Prasaja, M. G. (2022). Intention to Use E-wallet Dilihat dari Perceived Usefulness, Perceived Ease of Use, Perceived Security, dan Trust. Jurnal Maksipreneur: Manajemen, Koperasi, Dan Entrepreneurship, 11(2), 227. https://doi.org/10.30588/jmp.v11i2.916

Arvyana, R., Damayanti, F., & Rochmah, T. S. (2022). Analisis E-Wallet Berbasis Tam (Technology Adoption Model) Di Pt Telkom Indonesia Tbk. Jurnal Lentera Bisnis, 11(3), 286. https://doi.org/10.34127/jrlab.v11i3.622

Davis, F. D. (1989). Perceived Usefulness, Perceived Ease of Use, and User Acceptance of Information Technology. MIS Q., 13, 319–340. https://doi.org/10.2307/249008

Davis, F. D. (1993). User acceptance of information technology: system characteristics, user perceptions and behavioral impacts. In International Journal of Man-Machine Studies (Vol. 38, Issue 3, pp. 475–487). https://doi.org/10.1006/imms.1993.1022

Davis, F. D., Bagozzi, R., & Warshaw, P. R. (1989). User Acceptance of Computer Technology: A Comparison of Two Theoretical Models. Management Science, 35, 982–1003. https://doi.org/10.1287/MNSC.35.8.982

Dinda Aulia Ramadhanty. (2021). Ketahui 5 Dompet Digital Paling Banyak Digunakan di Indonesia 2021. Goodnewsfromindonesia.Id. https://www.goodnewsfromindonesia.id/2021/11/24/ketahui-5-dompet-digital-paling-banyak-digunakan-di-indonesia-2021

Effendy, F., Hurriyati, R., & Hendrayati, H. (2021). Perceived Usefulness, Perceived Ease of Use, and Social Influence: Intention to Use e-Wallet. Proceedings of the 5th Global Conference on Business, Management and Entrepreneurship (GCBME 2020), 187(Gcbme 2020), 311–315. https://doi.org/10.2991/aebmr.k.210831.060

FAQ Merchant | OVO. (n.d.). Retrieved January 23, 2023, from https://www.ovo.id/faqmerchant

Ghozali, I. (2018). Aplikasi Analisis Multivariate Dengan Program SPSS. Badan Penerbit Universitas Dipenogoro.

Glacinta. (2021). Analisis Penerimaan Mobile Payment Ovo Terhadap Pengguna Dengan Penerapan Metode Technology Acceptance Model 2 ( Tam 2 ) ( Studi Kasus : Mahasiswa Atma Jaya Yogyakarta ). Universitas Atma Jaya Yogyakarta, 2(Tam 2).

Gujarati, D. N., & Porter, D. C. (2013). Basic Econometrics (Fifth Edit). Mc Graw-Hill Irwin.

Ha, N. T. (2020). The impact of perceived risk on consumers’ online shopping intention: An integration of TAM and TPB. Management Science Letters, 10(9), 2029–2036. https://doi.org/10.5267/j.msl.2020.2.009

Humairoh, H., Negara, A. K., & Immawati, S. A. (2020). Pertimbangan dan Sikap Milenial terhadap Minat Menggunakan E-Wallet: Pada Masa PSBB Pandemi Covid-19 di Kota Tangerang. Organum: Jurnal Saintifik Manajemen Dan Akuntansi, 3(2), 64–81. https://doi.org/10.35138/organum.v3i2.104

Indriyani, D., Sartika, H., & Artikel, I. (2022). Persepsi Generasi Z pada Penggunaan E-wallet selama Pandemi Covid-19. Jurnal Sekretari Dan Manajemen, 6(1), 68–74. http://ejournal.bsi.ac.id/ejurnal/index.php/widyacipta

Isrososiawan, S., Hurriyati, R., & Dirgantari, P. D. (2019). User Mobile Payment Behavior Using Technology Acceptance Model (TAM): Study of “Dana” E-Wallet Users. Jurnal Minds: Manajemen Ide Dan Inspirasi, 6(2), 181. https://doi.org/10.24252/minds.v6i2.11274

Katon, F., & Yuniati, U. (2020). Fenomena Cashless Society Dalam Pandemi Covid-19 (Kajian Interaksi Simbolik Pada Generasi Milenial). Jurnal Signal, 8(2), 134. https://doi.org/10.33603/signal.v8i2.3490

Lavinda. (2022). Survei KIC: Gen Z Lebih Pilih Pakai e-Wallet Dibanding ATM Bank - Keuangan Katadata.co.id. Katadata.Co.Id. https://katadata.co.id/lavinda/finansial/61e0ee6ef1b27/survei-kic-gen-z-lebih-pilih-pakai-e-wallet-dibanding-atm-bank

Le, H. B. H., Ngo, C. T., Trinh, T. T. H., & Nguyen, T. T. P. (2020). Factor affecting customers’ decision to use mobile banking service: A case of thanh hoa province, Vietnam. Journal of Asian Finance, Economics and Business, 7(2), 205–212. https://doi.org/10.13106/jafeb.2020.vol7.no2.205

Manjunath, K. S. K., & Nagabhushanam, M. (2017). Application of Technology Acceptance Model in Consumer Behaviour Towards Internet Purchases. International Journal of Psychology and Cognitive Science, 3(3), 12–19.

Nguyen, O. T. (2020). Factors affecting the intention to use digital banking in Vietnam. Journal of Asian Finance, Economics and Business, 7(3), 303–310. https://doi.org/10.13106/jafeb.2020.vol7.no3.303

Nizam, F., Hwang, H. J., & Valaei, N. (2019). Measuring the effectiveness of E-wallet in Malaysia. In Studies in Computational Intelligence (Vol. 786). Springer International Publishing. https://doi.org/10.1007/978-3-319-96803-2_5

Nugroho, P., Winarno, W. W., & Hartanto, R. (2017). Faktor-Faktor Yang Mempengaruhi Niat Menggunakan Mobile payment Dengan Pendekatan Extended The Unified Theory of Acceptance and Use of Technology. Departemen Teknik Elektro Dan Teknologi Informasi, Fakultas Teknik UGM, 226–233.

Rosmayanti. (2019). Apa Itu Dompet Digital? Wartaekonomi.Co.Id. https://wartaekonomi.co.id/read212834/apa-itu-dompet-digital

Singh, N., Sinha, N., & Liébana-Cabanillas, F. J. (2020). Determining factors in the adoption and recommendation of mobile wallet services in India: Analysis of the effect of innovativeness, stress to use and social influence. International Journal of Information Management, 50(October 2018), 191–205. https://doi.org/10.1016/j.ijinfomgt.2019.05.022

Sugiyono. (2019). Metode Penelitian Kuantitatif, Kualitatif, dan R&D. Alphabet.

Turner, M., Kitchenham, B., Brereton, P., Charters, S., & Budgen, D. (2010). Does the technology acceptance model predict actual use? A systematic literature review. Information and Software Technology, 52(5), 463–479. https://doi.org/10.1016/j.infsof.2009.11.005

Watmah, S., Fauziah, S., & Herlinawati, N. (2020). Identifikasi Faktor Pengaruh Penggunaan Dompet Digital Menggunakan Metode TAM Dan UTAUT2. Indonesian Journal on Software Engineering (IJSE), 6(2), 261–269. https://doi.org/10.31294/ijse.v6i2.8833

Yanti Pujiastuti, R. (2022). TAM ( Technology Acceptance Model ) Approach to Analyze Community ’ s Interest in Using E -money. Journal of Applied Sciences in Accounting , Finance , and Tax, 5(1), 1–10.

Yaokumah, W., Kumah, P., & Okai, E. S. A. (2017). Demographic influences on E-payment services. International Journal of E-Business Research, 13(1), 44–65. https://doi.org/10.4018/IJEBR.2017010103

Zhihong, W., & Li, H. (2016). Factors Influencing Usage of Third Party Mobile Payment Services in China: An Empirical Study. Journal of Management, 1–49.

Published

2023-02-17