An investigation on factors influencing the intention to use e-money: A case study in Pontianak, Indonesia
This study is to examine the factors influencing Pontianak citizens to use e-money in response to the state regulation. The investigated factors include perceived usefulness, perceived ease of use, perceived risk, and quality of service. Attitude toward the use of e-money was determined as the intervening variable to the intention to use e-money. Pontianak as a developing city in Borneo Island has been piloted to fully utilize electronic money to purchase fuel in gas stations. Meanwhile, so far Indonesians living in developing regions are not yet familiar with the advanced payment technology such as e-money. The samples were taken randomly from the gas station consumers in Pontianak. The number of samples collected was 100 and the data were processed using SmartPLS 3.0. The results of the study showed that all of the hypotheses were supported except perceived risk variable. In addition, the effect size of the intervening variable “attitude” in the relationships between perceived usefulness and the intention to use e-money as well as perceived ease of use and the intention to use e-money were categorized as full mediation. Meanwhile, the effect size of attitude in the relationship between quality of service and the intention to use e-money was categorized as quasi mediation. However, attitude did not have mediating effect on the perceived risk. The effect size of the mediating variable was proved large at the value of 1.981. Since the people of Pontianak represent those who were much familiar with cash transactions, the results of this study can be considered as an example for the implementation of e-money payment in other developing regions or for the execution of certain technology-based non-cash programs.
Bank for International Settlements. (1996). Implications for central banks of the development of electronic money. Bis, (October). Retrieved fromhttp://www.bis.org/publ/bisp01.htm
Bank Indonesia. (2009). Uang Elekrtonik (Elektronik Money), (11), 1–55.
Baron, R. M., & Kenny, D. a. (1986). The Moderator-Mediator Variable Distinction in Social The Moderator-Mediator Variable Distinction in Social Psychological Research: Conceptual, Strategic, and Statistical Considerations. Journal of Personality and Social Psychology, 51(6), 1173–1182. https://doi.org/10.1037/0022-3522.214.171.1243
Bharati, P., & Chaudhury, A. (2006). Product Customization on the Web: An Empirical Study of Factors Impacting Choiceboard User Satisfaction. Information Resources Management Journal, 19(2), 69–81. https://doi.org/10.14670/HH-25.1239
Cohen, J. (1988). Statistical power analysis for the behavioral sciences (2nd ed.). Hillsdale, New jersey: Lawrence Earlbaum Associates.
Davis. (1989). Perceived usefulness, perceived ease of use, and user acceptance of information technology. MIS Quarterly,13(3),319–340. https://doi.org/10.1016/S0305-0483(98)00028-0
Fortuna, S. C. D. (2012). Pengaruh Faktor Individu, Organisasi, dan Sistem terhadap Penerimaan E-Banking. Jurnal Ilmiah Mahasiswa FEB, 1(2).
Ghozali, I., & Latan, H. (2015). Partial Least Squares: konsep, teknik dan aplikasi menggunakan program SmartPLS 3.0 (2nd ed.). Semarang: Penerbit Universitas Dipenogoro Semarang.
Habibi, M., & Zaky, A. (2013). Pengaruh Kepercayaan, Persepsi Kegunaan, Persepsi Kemudahan, dan Persepsi Kenyamanan Terhadap Minat Penggunaan Mobile Banking Syariah. Journal of Chemical Information and Modeling, 53(9), 1689–1699. https://doi.org/10.1017/CBO9781107415324.004
Irmadhani, & Nugroho, M. A. (2012). Pengaruh Persepsi Kebermanfaatan, Persepsi Kemudahan Penggunaan Dan Computer Self Efficacy, Terhadap Penggunaan Online Banking Pada Mahasiswa S1 Fakultas Ekonomi Universitas Negeri Yogyakarta. Kajian Pendidikan & Akuntansi Indonesia, 1, 1–20. Retrieved from http://journal.uny.ac.id/index.php/jkpai
Jogiyanto. (2007). Sistem Informasi Keprilakuan. Yogyakarta: Andi Offset.
Olatokun, W., & Owoeye, O. J. (2012). Influence of Individual, Organizational and System Factors on Attitude of Online Banking Users. Retrieved from http://proceedings.informingscience.org/InSITE2012/InSITE12p389-403Olatokun0111.pdf
Pahlevi, A. (2018). 2018, SPBU di Pontianak Terapkan E-Money - Bisnis Tempo.
Priambodo, S., & Prabawani, B. (2016). Persepsi Risiko Terhadap Minat Menggunakan Layanan Uang Elektronik ( Studi Kasus pada Masyarakat di Kota Semarang ) Pendahuluan Kajian Teori Perilaku Konsumen. Jurnal Ilmu Administrasi Bisnis, 5(2).
Tjini, S. A, & Baridwan, Z. (2013). Kemudahan , dan Persepsi Kenyamanan Terhadap Minat Penggunaan Sistem Internet Banking. Jurnal Ilmiah Mahasiswa FEB, 1(1), 1–21.
Suh, B., & Han, I. (2002). Effect of trust on customer acceptance of Internet banking. Electronic Commerce Research and Applications, 1(3–4), 247–263. https://doi.org/10.1016/S1567-4223(02)00017-0
Utami, Ri. A. (2016). Pengaruh Kualitas Sistem dan Layanan, Kepercayaan, Persepsi Manfaat, Persepsi Kemudahan dan Persepsi Risiko terhadap Sikap Penggunaan E- money. Universitas Islam Indonesia.
Venkatesh, V., Morris, M. G., Davis, G. B., & Davis, F. D. (2003). User Acceptance of Information Technology: Toward a Unified View. Source: MIS Quarterly, 27(3), 425–478. https://doi.org/10.2307/30036540
Wijayanti, F. (2017). Pengaruh Persepsi Manfaat, Persepsi Kemudahan, Kepercayaan dan Persepsi Resiko Terhadap Minat Menggunakan E-Money. Universitas Islam Indonesia.
Metrics powered by PLOS ALM
JURNAL AKUNTANSI DAN AUDITING INDONESIA (JAAI)
ISSN 1410-2420 (print), 2528-6528 (online)
Published by Department of Accounting, Faculty of Business and Economics, Universitas Islam Indonesia
Supported by IAI-KAPd (Ikatan Akuntan Indonesia - Kompartemen Akuntan Pendidik)
JAAI by http://journal.uii.ac.id/index.php/JAAI/ is under licenced by Creative Commons Attribution 4.0 International License.