Faktor yang Mempengaruhi Pergi Tanpa Uang Tunai atau Cashless di Kota Pekanbaru

Alfredo Surya Kesuma Octavia; Anjar Priyono

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11 September 2023

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17 October 2023

Published

17 October 2023

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Abstract

Penelitian ini bertujuan untuk mengetahui faktor-faktor apa saja yang mempengaruhi seseorang bepergian tanpa uang tunai atau cashless di Kota Pekanbaru. Jenis penelitian ini menggunakan pendekatan kuantitatif atau metode survey dan dilakukan di daerah khususnya Kota Pekanbaru, teknik pengumpulan data dalam penelitian ini dilakukan dengan penyebaran kuesioner pada 221 responden yang pernah menggunakan pembayaran digital dan teknik analisis data menggunakan IBM SPSS 26. Hasil penelitian ini menunjukan bahwa faktor seperti kemudahan penggunaan, kegunaan, inovasi, optimis dan kesiapan tanpa uang tunai memiliki efek positif untuk mempengaruhi kesiapan seseorang dalam mengadopsi pembayaran digital dan kurangnya kesadaran memiliki efek negatif terhadap adopsi pembayaran digital.

Keywords

ease of use usefulness innovativeness optimism lack of awareness cashless readiness adoption of digital payments

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Octavia, A. S. K., & Priyono, A. (2023). Faktor yang Mempengaruhi Pergi Tanpa Uang Tunai atau Cashless di Kota Pekanbaru. Selekta Manajemen: Jurnal Mahasiswa Bisnis & Manajemen, 2(4), 136–150. Retrieved from https://journal.uii.ac.id/selma/article/view/30582

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References

Balakrishnan, V., & Shuib, N. L. M. (2021). Drivers and Inhibitors for Digital Payment Adoption Using the Cashless Society Readiness-Adoption Model in Malaysia. Technology in Society, 65, p. 101554. https://doi.org/10.1016/j.techsoc.2021.101554
Carter, L., & Schaupp, L. C. (2009). Relating Acceptance and Optimism to E-File Adoption. International Journal of Electronic Government Research, 5(3), pp. 62–74. https://doi.org/10.4018/jegr.2009070105
Carver, C. S., & Scheier, M. F. (1981). Self-Consciousness and Reactance. Journal of Research in Personality, 15(1), pp. 16–29. https://doi.org/10.1016/0092-6566(81)90003-9
Dinev, T., & Hu, Q. (2007). The Centrality of Awareness in the Formation of User Behavioral Intention toward Protective Information Technologies. Journal of the Association for Information Systems, 8(7), pp. 386–408. https://doi.org/10.17705/1jais.00133
Faizani, S. N., & Indriyanti, A. D. (2021). Analisis Pengaruh Technology Readiness terhadap Perceived Usefulness dan Perceived Ease of Use terhadap Behavioral Intention dari Quick Response Indonesian Standard (QRIS) untuk Pembayaran Digital (Studi Kasus: Pengguna Aplikasi e-Wallet Go-Pay, DANA, OVO. Journal of Emerging Information System and Business Intelligence, 2(2), pp. 85–93.
Fang, C., & Zang, J. (2019). Users Continued Participation Behavior in Social Q&A Communities: A Motivation Perspective. Computers in Human Behavior, 92(4), pp. 87-109. http://dx.doi.org/10.1016/j.chb.2018.10.036
Febrinda, R.R., & Ningsih, R. (2022). Kesiapan Digitalisasi Sistem Pembayaran Non Tunai di Pasar Rakyat. Jurnal Ekonomi dan Kebijakan Publik, 13(2), pp. 87-100
Huang, X. X., Hu, Z. P., Liu, C. S., Yu, D. J., & Yu, L. F. (2016). The relationships between regulatory and customer pressure, green organizational responses, and green innovation performance. Journal of Cleaner Production, 112, pp. 3423–3433. https://doi.org/10.1016/j.jclepro.2015.10.106
Iradianty, A., & Aditya, B. R. (2021). Student Awareness of Digital Payment Services (Case Study in Indonesia). Journal of Physics: Conference Series, 1823, p. 012036. https://doi.org/10.1088/1742-6596/1823/1/012036
Karim, N.K., Atikah, S., & Lenap, I.P. (2022). Factors Influencing the Use of Non-Bank Electronic Payment. Jurnal Akademi Akuntansi, 7(1), pp. 89-99. https://doi.org/10.36713/epra4614
Kim, C., Mirusmonov, M., & Lee, I. (2010). An empirical examination of factors influencing the intention to use mobile payment. Computers in Human Behavior, 26(3), pp. 310–322. https://doi.org/10.1016/j.chb.2009.10.013
Marangunić, N., & Granić, A. (2015). Technology acceptance model: a literature review from 1986 to 2013. Universal Access in the Information Society, 14(1), pp. 81–95. https://doi.org/10.1007/s10209-014-0348-1
Merhi, M., Hone, K., & Tarhini, A. (2019). A Cross-Cultural Study of the Intention to Use Mobile Banking between Lebanese and British Consumers: Extending UTAUT2 with Security, Privacy and Trust. Technology in Society, 59, p. 101151. https://doi.org/10.1016/j.techsoc.2019.101151
Musyaffi, A.M., Sari, D.A.P., & Respati, D.K. (2021). Understanding of Digital Payment Usage During Covid-19 Pandemic: A Study of UTAUT Extension Model in Indonesia. Journal of Asian Finance, Economics and Business, 8(6), pp. 475-482. http://dx.doi.org/10.13106/jafeb.2021.vol8.no6.0475
Nangin, M.A., Barus, I.R.G., & Wahyoedi, S. (2020). The Effect of Perceived Ease of Use, Security, and Promotion on Trust and Its Implications on Fintech Adoption. Journal of Consumer Sciences, 5(2), pp. 124-138. https://dx.doi.org/10.29244/jcs.5.2.124-138
Natarajan, T., Balasubramanian, S. A., & Kasilingam, D. L. (2018). The moderating role of device type and age of users on the intention to use mobile shopping applications. Technology in Society, 53, pp. 79–90. https://doi.org/10.1016/j.techsoc.2018.01.003
Ningsih, H.A., Sasmita, E.M., & Sari, B. (2021). Pengaruh Persepsi Manfaat, Persepsi Kemudahan Penggunaan, dan Persepsi Risiko terhadap Keputusan Menggunakan Uang Elektronik (QRIS) pada Mahasiswa. Jurnal IKRAITH-Ekonomika, 4(1), pp. 1-9
Parasuraman, A. (2000). Technology Readiness Index (Tri): A Multiple-Item Scale to Measure Readiness to Embrace New Technologies. Journal of Service Research, 2(4), pp. 307–320. https://doi.org/10.1177/109467050024001
Pham, T. T. T., & Ho, J. C. (2015). The effects of product-related, personal-related factors and attractiveness of alternatives on consumer adoption of NFC-based mobile payments. Technology in Society, 43, pp. 159–172. https://doi.org/10.1016/j.techsoc.2015.05.004
Phonthanukitithaworn, C., Sellitto, C., & Fong, M. W. L. (2016). A Comparative Study of Current and Potential Users of Mobile Payment Services. SAGE Open, 6(4), pp. 1-14. https://doi.org/10.1177/2158244016675397
Pranoto, M.O., & Setianegara, R.G. (2020). Analisis Pengaruh Persepsi Manfaat, Persepsi Kemudahan, dan Keamanan terhadap Minat Nasabah Menggunakan Mobile Banking. Keunis Majalah Ilmiah, 8(1) pp. 1-9. http://dx.doi.org/10.32497/keunis.v8i1.2117
Shaikh, I.M., Qureshi, M.A., Noordin, K., & Shaikh, J. (2020). Acceptance of Islamic Financial Technology (FinTech) Banking Services by Malaysian Users: An Extension of Technology Acceptance Model. Foresight, 22(3), pp. 367-383. http://dx.doi.org/10.1108/FS-12-2019-0105
Sharma, S. (2017). Study of Awareness about E-Payment among the People of Indore (Urban as well as Rural Area). Asian Journal of Management, 8(4), pp. 1196-1202. https://doi.org/10.5958/2321-5763.2017.00181.0
Simarmata, M.T.A., & Hia, I.J. (2020). The Role of Personal Innovativeness on Behavioral Intention of Information Technology. Journal of Economics and Business, 1(2), pp. 18-29.
Van der Velden, P. G., Kleber, R. J., Fournier, M., Grievink, L., Drogendijk, A., & Gersons, B. P. R. (2007). The association between dispositional optimism and mental health problems among disaster victims and a comparison group: A prospective study. Journal of Affective Disorders, 102(1–3), pp. 35–45. https://doi.org/10.1016/j.jad.2006.12.004
Varadarajan, R., & Kaul, R. (2018). Doing well by doing good innovations: alleviation of social problems in emerging markets through corporate social innovations. Journal of Business Research, 86, pp. 225–233. https://doi.org/10.1016/j.jbusres.2017.03.017
Yang, S., Lu, Y., Gupta, S., Cao, Y., & Zhang, R. (2012). Mobile payment services adoption across time: An empirical study of the effects of behavioral beliefs, social influences, and personal traits. Computers in Human Behavior, 28(1), pp. 129–142. https://doi.org/10.1016/j.chb.2011.08.019
Yang, Y., Liu, Y., Li, H., & Yu, B. (2015). Understanding perceived risks in mobile payment acceptance. Industrial Management and Data Systems, 115(2), pp. 253–269. https://doi.org/10.1108/IMDS-08-2014-0243

References

Balakrishnan, V., & Shuib, N. L. M. (2021). Drivers and Inhibitors for Digital Payment Adoption Using the Cashless Society Readiness-Adoption Model in Malaysia. Technology in Society, 65, p. 101554. https://doi.org/10.1016/j.techsoc.2021.101554

Carter, L., & Schaupp, L. C. (2009). Relating Acceptance and Optimism to E-File Adoption. International Journal of Electronic Government Research, 5(3), pp. 62–74. https://doi.org/10.4018/jegr.2009070105

Carver, C. S., & Scheier, M. F. (1981). Self-Consciousness and Reactance. Journal of Research in Personality, 15(1), pp. 16–29. https://doi.org/10.1016/0092-6566(81)90003-9

Dinev, T., & Hu, Q. (2007). The Centrality of Awareness in the Formation of User Behavioral Intention toward Protective Information Technologies. Journal of the Association for Information Systems, 8(7), pp. 386–408. https://doi.org/10.17705/1jais.00133

Faizani, S. N., & Indriyanti, A. D. (2021). Analisis Pengaruh Technology Readiness terhadap Perceived Usefulness dan Perceived Ease of Use terhadap Behavioral Intention dari Quick Response Indonesian Standard (QRIS) untuk Pembayaran Digital (Studi Kasus: Pengguna Aplikasi e-Wallet Go-Pay, DANA, OVO. Journal of Emerging Information System and Business Intelligence, 2(2), pp. 85–93.

Fang, C., & Zang, J. (2019). Users Continued Participation Behavior in Social Q&A Communities: A Motivation Perspective. Computers in Human Behavior, 92(4), pp. 87-109. http://dx.doi.org/10.1016/j.chb.2018.10.036

Febrinda, R.R., & Ningsih, R. (2022). Kesiapan Digitalisasi Sistem Pembayaran Non Tunai di Pasar Rakyat. Jurnal Ekonomi dan Kebijakan Publik, 13(2), pp. 87-100

Huang, X. X., Hu, Z. P., Liu, C. S., Yu, D. J., & Yu, L. F. (2016). The relationships between regulatory and customer pressure, green organizational responses, and green innovation performance. Journal of Cleaner Production, 112, pp. 3423–3433. https://doi.org/10.1016/j.jclepro.2015.10.106

Iradianty, A., & Aditya, B. R. (2021). Student Awareness of Digital Payment Services (Case Study in Indonesia). Journal of Physics: Conference Series, 1823, p. 012036. https://doi.org/10.1088/1742-6596/1823/1/012036

Karim, N.K., Atikah, S., & Lenap, I.P. (2022). Factors Influencing the Use of Non-Bank Electronic Payment. Jurnal Akademi Akuntansi, 7(1), pp. 89-99. https://doi.org/10.36713/epra4614

Kim, C., Mirusmonov, M., & Lee, I. (2010). An empirical examination of factors influencing the intention to use mobile payment. Computers in Human Behavior, 26(3), pp. 310–322. https://doi.org/10.1016/j.chb.2009.10.013

Marangunić, N., & Granić, A. (2015). Technology acceptance model: a literature review from 1986 to 2013. Universal Access in the Information Society, 14(1), pp. 81–95. https://doi.org/10.1007/s10209-014-0348-1

Merhi, M., Hone, K., & Tarhini, A. (2019). A Cross-Cultural Study of the Intention to Use Mobile Banking between Lebanese and British Consumers: Extending UTAUT2 with Security, Privacy and Trust. Technology in Society, 59, p. 101151. https://doi.org/10.1016/j.techsoc.2019.101151

Musyaffi, A.M., Sari, D.A.P., & Respati, D.K. (2021). Understanding of Digital Payment Usage During Covid-19 Pandemic: A Study of UTAUT Extension Model in Indonesia. Journal of Asian Finance, Economics and Business, 8(6), pp. 475-482. http://dx.doi.org/10.13106/jafeb.2021.vol8.no6.0475

Nangin, M.A., Barus, I.R.G., & Wahyoedi, S. (2020). The Effect of Perceived Ease of Use, Security, and Promotion on Trust and Its Implications on Fintech Adoption. Journal of Consumer Sciences, 5(2), pp. 124-138. https://dx.doi.org/10.29244/jcs.5.2.124-138

Natarajan, T., Balasubramanian, S. A., & Kasilingam, D. L. (2018). The moderating role of device type and age of users on the intention to use mobile shopping applications. Technology in Society, 53, pp. 79–90. https://doi.org/10.1016/j.techsoc.2018.01.003

Ningsih, H.A., Sasmita, E.M., & Sari, B. (2021). Pengaruh Persepsi Manfaat, Persepsi Kemudahan Penggunaan, dan Persepsi Risiko terhadap Keputusan Menggunakan Uang Elektronik (QRIS) pada Mahasiswa. Jurnal IKRAITH-Ekonomika, 4(1), pp. 1-9

Parasuraman, A. (2000). Technology Readiness Index (Tri): A Multiple-Item Scale to Measure Readiness to Embrace New Technologies. Journal of Service Research, 2(4), pp. 307–320. https://doi.org/10.1177/109467050024001

Pham, T. T. T., & Ho, J. C. (2015). The effects of product-related, personal-related factors and attractiveness of alternatives on consumer adoption of NFC-based mobile payments. Technology in Society, 43, pp. 159–172. https://doi.org/10.1016/j.techsoc.2015.05.004

Phonthanukitithaworn, C., Sellitto, C., & Fong, M. W. L. (2016). A Comparative Study of Current and Potential Users of Mobile Payment Services. SAGE Open, 6(4), pp. 1-14. https://doi.org/10.1177/2158244016675397

Pranoto, M.O., & Setianegara, R.G. (2020). Analisis Pengaruh Persepsi Manfaat, Persepsi Kemudahan, dan Keamanan terhadap Minat Nasabah Menggunakan Mobile Banking. Keunis Majalah Ilmiah, 8(1) pp. 1-9. http://dx.doi.org/10.32497/keunis.v8i1.2117

Shaikh, I.M., Qureshi, M.A., Noordin, K., & Shaikh, J. (2020). Acceptance of Islamic Financial Technology (FinTech) Banking Services by Malaysian Users: An Extension of Technology Acceptance Model. Foresight, 22(3), pp. 367-383. http://dx.doi.org/10.1108/FS-12-2019-0105

Sharma, S. (2017). Study of Awareness about E-Payment among the People of Indore (Urban as well as Rural Area). Asian Journal of Management, 8(4), pp. 1196-1202. https://doi.org/10.5958/2321-5763.2017.00181.0

Simarmata, M.T.A., & Hia, I.J. (2020). The Role of Personal Innovativeness on Behavioral Intention of Information Technology. Journal of Economics and Business, 1(2), pp. 18-29.

Van der Velden, P. G., Kleber, R. J., Fournier, M., Grievink, L., Drogendijk, A., & Gersons, B. P. R. (2007). The association between dispositional optimism and mental health problems among disaster victims and a comparison group: A prospective study. Journal of Affective Disorders, 102(1–3), pp. 35–45. https://doi.org/10.1016/j.jad.2006.12.004

Varadarajan, R., & Kaul, R. (2018). Doing well by doing good innovations: alleviation of social problems in emerging markets through corporate social innovations. Journal of Business Research, 86, pp. 225–233. https://doi.org/10.1016/j.jbusres.2017.03.017

Yang, S., Lu, Y., Gupta, S., Cao, Y., & Zhang, R. (2012). Mobile payment services adoption across time: An empirical study of the effects of behavioral beliefs, social influences, and personal traits. Computers in Human Behavior, 28(1), pp. 129–142. https://doi.org/10.1016/j.chb.2011.08.019

Yang, Y., Liu, Y., Li, H., & Yu, B. (2015). Understanding perceived risks in mobile payment acceptance. Industrial Management and Data Systems, 115(2), pp. 253–269. https://doi.org/10.1108/IMDS-08-2014-0243

Faktor yang Mempengaruhi Pergi Tanpa Uang Tunai atau Cashless di Kota Pekanbaru

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