Pengkajian Faktor-faktor yang Mempengaruhi Minat dan Perilaku Mahasiswa dalam Melakukan Pembayaran Non-Tunai dengan Pendekatan Model UTAUT 2

Sulistiani Indriyastuti; Fitri Eka Aliyanti

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4 January 2024

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19 January 2024

Published

19 January 2024

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Abstract

E-money berfungsi sebagai metode pembayaran digital yang menyimpan nilai moneter dalam format elektronik. Penelitian ini bertujuan untuk mengidentifikasi faktor-faktor yang memengaruhi minat dan perilaku pembayaran non-tunai di antara mahasiswa Universitas Islam Indonesia, dengan menggunakan pendekatan model unified theory of acceptance and use of technology 2 (UTAUT 2). Kerangka UTAUT 2 mempertimbangkan faktor-faktor seperti niat perilaku, perilaku penggunaan, ekspektasi kinerja, ekspektasi usaha, pengaruh sosial, kondisi fasilitasi, motivasi hedonik, nilai harga, dan kebiasaan dalam menilai minat dan perilaku pembayaran non-tunai. Metodologi penelitian ini mengadopsi pendekatan kuantitatif, mengumpulkan data melalui kuesioner Google Form online dengan sampel sebanyak 220 partisipan. Teknik analisis data yang digunakan adalah partial least squares-structural equation modeling (PLS-SEM). Temuan penelitian menunjukkan bahwa ekspektasi kinerja, ekspektasi usaha, motivasi hedonik, dan kebiasaan secara positif dan signifikan memengaruhi minat menggunakan e-money. Selain itu, pengaruh sosial dan kondisi fasilitasi memberikan dampak positif tetapi tidak signifikan secara statistik dalam membentuk minat menggunakan e-money. Selain itu, kondisi fasilitasi dan niat perilaku secara signifikan dan positif memengaruhi perilaku penggunaan e-money.

Keywords

UTAUT 2 e-money pembayaran non-tunai

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How to Cite

Indriyastuti, S., & Aliyanti, F. E. (2024). Pengkajian Faktor-faktor yang Mempengaruhi Minat dan Perilaku Mahasiswa dalam Melakukan Pembayaran Non-Tunai dengan Pendekatan Model UTAUT 2. Selekta Manajemen: Jurnal Mahasiswa Bisnis & Manajemen, 2(5), 89–107. Retrieved from https://journal.uii.ac.id/selma/article/view/32244

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References

Addury, M.M., Nugroho, A.P. dan Khalid, S. (2020) “The Intention of Investing Sharia Stocks on Millennials: The Role of Sharia Financial Literacy,” Ihtifaz: Journal of Islamic Economics, Finance, and Banking, 3(2), hal. 89–104. Tersedia pada: https://doi.org/10.12928/ijiefb.v3i2.3170.
Ajzen, I. dan Fishbein, M. (1977) “Attitude-behavior relations: A theoretical analysis and review of empirical research.,” Psychological Bulletin, 84(5), hal. 888–918. Tersedia pada: https://doi.org/10.1037/0033-2909.84.5.888.
Alalwan, A.A., Dwivedi, Y.K. dan Rana, N.P. (2017) “Factors influencing adoption of mobile banking by Jordanian bank customers: Extending UTAUT2 with trust,” International Journal of Information Management, 37(3), hal. 99–110. Tersedia pada: https://doi.org/10.1016/j.ijinfomgt.2017.01.002.
Asosiasi Penyelenggara Jasa Internet Indonesia (2022) Profil Internet Indonesia 2022, Asosiasi Penyelenggara Jasa Internet Indonesia. Jakarta. Tersedia pada: Asosiasi Penyelenggara Jasa Internet Indonesia.
Bandura, A. (2012) “Social Cognitive Theory,” in P.A.M. Van Lange, A.W. Kruglanski, dan E.T. Higgins (ed.) Handbook of Theories of Social Psychology: Volume 1. London: SAGE Publications Ltd. Tersedia pada: https://doi.org/10.4135/9781446249215.
Bank for International Settlements (1996) IMPLICATIONS FOR CENTRAL BANKS OF THE DEVELOPMENT OF ELECTRONIC MONEY. Basle. Tersedia pada: https://www.bis.org/publ/bisp01.pdf.
Bank Indonesia (2021) Jumlah Transaksi Uang Elektronik Beredar 2021. Jakarta. Tersedia pada: https://www.bi.go.id/id/statistik/ekonomi-keuangan/ssp/_layouts/15/download.aspx?SourceUrl=https://www.bi.go.id/id/statistik/ekonomi-keuangan/ssp/Lists/Uang Elektronik Transaksi/Attachments/13/Jumlah_Transaksi_Uang_Elektronik_Beredar_2021.pdf.
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Brown, S.A. dan Venkatesh, V. (2005) “Model of Adoption of Technology in Households: A Baseline Model Test and Extension Incorporating Household Life Cycle,” MIS Quarterly, 29(3), hal. 399–426. Tersedia pada: https://doi.org/10.2307/25148690.
Chin, W.W. dan Todd, P.A. (1995) “On the Use, Usefulness, and Ease of Use of Structural Equation Modeling in MIS Research: A Note of Caution,” MIS Quarterly, 19(2), hal. 237–246. Tersedia pada: https://doi.org/10.2307/249690.
Chopdar, P.K. dan Sivakumar, V.J. (2019) “Understanding continuance usage of mobile shopping applications in India: the role of espoused cultural values and perceived risk,” Behaviour & Information Technology, 38(1), hal. 42–64. Tersedia pada: https://doi.org/10.1080/0144929X.2018.1513563.
Davis, F.D. (1989) “Perceived Usefulness, Perceived Ease of Use, and User Acceptance of Information Technology,” MIS Quarterly, 13(3), hal. 319–340. Tersedia pada: https://doi.org/10.2307/249008.
Davis, F.D., Bagozzi, R.P. dan Warshaw, P.R. (1989) “User Acceptance of Computer Technology: A Comparison of Two Theoretical Models,” Management Science, 35(8), hal. 982–1003. Tersedia pada: http://www.jstor.org/stable/2632151.
Departemen Agama Republik Indonesia (1989) Al Qur’an dan Terjemahnya. Semarang: Karya Toha Putra.
Fishbein, M. dan Ajzen, I. (2005) “Theory-based Behavior Change Interventions: Comments on Hobbis and Sutton,” Journal of Health Psychology, 10(1), hal. 27–31. Tersedia pada: https://doi.org/10.1177/1359105305048552.
Ghozali, I. dan Latan, H. (2015) Partial Least Squares: Konsep, Teknik dan Aplikasi SmartPLS 3.0 untuk Penelitian Empiris. Semarang: Badan Penerbit Universitas Diponegoro.
Glady, J.E. dan Rantung, R. (2020) “Analisis Determinan Niat Menggunakan E-Money di Kalangan Millennials Dengan Pendekatan UTAUT,” Klabat Journal of Management, 1(1), hal. 90–104. Tersedia pada: https://ejournal.unklab.ac.id/index.php/kjm/article/view/451.
Gupta, K. dan Arora, N. (2020) “Investigating consumer intention to accept mobile payment systems through unified theory of acceptance model,” South Asian Journal of Business Studies, 9(1), hal. 88–114. Tersedia pada: https://doi.org/10.1108/SAJBS-03-2019-0037.
IPSOS Indonesia (2020) Penelitian Ipsos: Evolusi Dompet Digital Menuju Keberlanjutan Bisnis. Jakarta. Tersedia pada: https://www.ipsos.com/sites/default/files/ct/news/documents/2020-02/ipsos_-_press_release_-_indonesian.pdf.
Kementerian PPN/Bappenas (2017) NARASI TUNGGAL: Hari Kependudukan Dunia 2017: Masa Depan Demografi Indonesia dan Keseimbangan Pertumbuhan Penduduk, Bappenas. Tersedia pada: https://www.bappenas.go.id/id/berita/narasi-tunggal-hari-kependudukan-dunia-2017-masa-depan-demografi-indonesia-dan-keseimbangan-pertumbuhan-penduduk (Diakses: 2 Januari 2024).
Kotler, P. dan Amstrong, G. (2018) Principles of Marketing. 17 Global. London: Pearson Education.
Madan, K. dan Yadav, R. (2016) “Behavioural intention to adopt mobile wallet: a developing country perspective,” Journal of Indian Business Research, 8(3), hal. 227–244. Tersedia pada: https://doi.org/10.1108/JIBR-10-2015-0112.
Megadewandanu, S., Suyoto dan Pranowo (2016) “Exploring mobile wallet adoption in Indonesia using UTAUT2: An approach from consumer perspective,” in 2016 2nd International Conference on Science and Technology-Computer (ICST). Yogyakarta: IEEE, hal. 11–16. Tersedia pada: https://doi.org/10.1109/ICSTC.2016.7877340.
Merhi, M., Hone, K. dan 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, hal. 101151. Tersedia pada: https://doi.org/10.1016/j.techsoc.2019.101151.
Moorthy, K. et al. (2020) “What drives the adoption of mobile payment? A Malaysian perspective,” International Journal of Finance & Economics, 25(3), hal. 349–364. Tersedia pada: https://doi.org/10.1002/ijfe.1756.
Morosan, C. dan DeFranco, A. (2016) “It’s about time: Revisiting UTAUT2 to examine consumers’ intentions to use NFC mobile payments in hotels,” International Journal of Hospitality Management, 53, hal. 17–29. Tersedia pada: https://doi.org/10.1016/j.ijhm.2015.11.003.
Nawawi, M.Y.B.S. (2007) HADITS ARBA’IN NAWAWIYAH. Diedit oleh A. HAIDHIR, M.M. BASHR, dan M. TARMIZI. islamhouse.com. Tersedia pada: http://rspkuwonosobo.id/ebook/file_data/96___Hadits Arbain Nawawiyah.pdf.
Oliveira, T. et al. (2016) “Mobile payment: Understanding the determinants of customer adoption and intention to recommend the technology,” Computers in Human Behavior, 61, hal. 404–414. Tersedia pada: https://doi.org/10.1016/j.chb.2016.03.030.
Pertiwi, N.W.D.M.Y. dan Ariyanto, D. (2017) “PENERAPAN MODEL UTAUT2 UNTUK MENJELASKAN MINAT DAN PERILAKU PENGGUNAAN MOBILE BANKING DI KOTA DENPASAR,” E-Jurnal Akuntansi, 18(2), hal. 1369–1397. Tersedia pada: https://ojs.unud.ac.id/index.php/Akuntansi/article/download/25548/17816.
Putranto, A.M. dan Pramudiana, Y. (2015) “Pengaruh Faktor-Faktor dalam Modifikasi Unified Theory of Acceptance and Use of Technology 2 terhadap Perilaku Konsumen dalam Mengadopsi Layanan Wifi PT. XYZ area Jakarta,” in e-Proceeding of Management. Bandung: Universitas Telkom, hal. 1085–1094. Tersedia pada: https://openlibrarypublications.telkomuniversity.ac.id/index.php/management/article/view/400.
Putri, N.K.R.D. dan Suardikha, I.M.S. (2020) “Penerapan Model UTAUT 2 Untuk Menjelaskan Niat Dan Perilaku Penggunaan E-Money di Kota Denpasar,” E-Jurnal Akuntansi, 30(2), hal. 540–555. Tersedia pada: https://doi.org/10.24843/EJA.2020.v30.i02.p20.
Rogers, E.M., Singhal, A. dan Quinlan, M.M. (2008) “Diffusion of Innovations,” in D.W. Stacks dan M.B. Salwen (ed.) An Integrated Approach to Communication Theory and Research. 2 ed. New York: Routledge, hal. 17. Tersedia pada: https://doi.org/10.4324/9780203887011.
Sugeng (2019) Peraturan Anggota Dewan Gubernur Nomor 21/18/PADG/2019 Tentang Implementasi Standar Nasional Quick Response Code Untuk Pembayaran, Bank Indonesia. Indonesia: Bank Indonesia. Tersedia pada: https://www.bi.go.id/id/publikasi/peraturan/Pages/padg_211819.aspx.
Sugiyono (2021) Metode Penelitian Kuantitatif Kualitatif dan R&D. 2 ed. Diedit oleh Sutopo. Bandung: Alfabeta.
Tak, P. dan Panwar, S. (2017) “Using UTAUT 2 model to predict mobile app based shopping: evidences from India,” Journal of Indian Business Research, 9(3), hal. 248–264. Tersedia pada: https://doi.org/10.1108/JIBR-11-2016-0132.
Taylor, S. dan Todd, P.A. (1995) “Understanding Information Technology Usage: A Test of Competing Models,” Information Systems Research, 6(2), hal. 144–176. Tersedia pada: http://www.jstor.org/stable/23011007.
Thompson, R.L., Higgins, C.A. dan Howell, J.M. (1991) “Personal Computing: Toward a Conceptual Model of Utilization,” MIS Quarterly, 15(1), hal. 125–143. Tersedia pada: https://doi.org/10.2307/249443.
Venkatesh, V. et al. (2003) “User Acceptance of Information Technology: Toward a Unified View,” MIS Quarterly, 27(3), hal. 425–478. Tersedia pada: https://doi.org/10.2307/30036540.
Venkatesh, V. dan Davis, F.D. (2000) “A Theoretical Extension of the Technology Acceptance Model: Four Longitudinal Field Studies,” Management Science, 46(2), hal. 186–204. Tersedia pada: https://doi.org/10.1287/mnsc.46.2.186.11926.
Venkatesh, V., Thong, J.Y.L. dan Xu, X. (2012) “Consumer Acceptance and Use of Information Technology: Extending the Unified Theory of Acceptance and Use of Technology,” MIS Quarterly, 36(1), hal. 157–178. Tersedia pada: https://doi.org/10.2307/41410412.

References

Addury, M.M., Nugroho, A.P. dan Khalid, S. (2020) “The Intention of Investing Sharia Stocks on Millennials: The Role of Sharia Financial Literacy,” Ihtifaz: Journal of Islamic Economics, Finance, and Banking, 3(2), hal. 89–104. Tersedia pada: https://doi.org/10.12928/ijiefb.v3i2.3170.

Ajzen, I. dan Fishbein, M. (1977) “Attitude-behavior relations: A theoretical analysis and review of empirical research.,” Psychological Bulletin, 84(5), hal. 888–918. Tersedia pada: https://doi.org/10.1037/0033-2909.84.5.888.

Alalwan, A.A., Dwivedi, Y.K. dan Rana, N.P. (2017) “Factors influencing adoption of mobile banking by Jordanian bank customers: Extending UTAUT2 with trust,” International Journal of Information Management, 37(3), hal. 99–110. Tersedia pada: https://doi.org/10.1016/j.ijinfomgt.2017.01.002.

Asosiasi Penyelenggara Jasa Internet Indonesia (2022) Profil Internet Indonesia 2022, Asosiasi Penyelenggara Jasa Internet Indonesia. Jakarta. Tersedia pada: Asosiasi Penyelenggara Jasa Internet Indonesia.

Bandura, A. (2012) “Social Cognitive Theory,” in P.A.M. Van Lange, A.W. Kruglanski, dan E.T. Higgins (ed.) Handbook of Theories of Social Psychology: Volume 1. London: SAGE Publications Ltd. Tersedia pada: https://doi.org/10.4135/9781446249215.

Bank for International Settlements (1996) IMPLICATIONS FOR CENTRAL BANKS OF THE DEVELOPMENT OF ELECTRONIC MONEY. Basle. Tersedia pada: https://www.bis.org/publ/bisp01.pdf.

Bank Indonesia (2021) Jumlah Transaksi Uang Elektronik Beredar 2021. Jakarta. Tersedia pada: https://www.bi.go.id/id/statistik/ekonomi-keuangan/ssp/_layouts/15/download.aspx?SourceUrl=https://www.bi.go.id/id/statistik/ekonomi-keuangan/ssp/Lists/Uang Elektronik Transaksi/Attachments/13/Jumlah_Transaksi_Uang_Elektronik_Beredar_2021.pdf.

Boediono (2009) PERATURAN BANK INDONESIA NOMOR: 11/12/PBI/2009 TENTANG UANG ELEKTRONIK (ELECTRONIC MONEY). Indonesia: Bank Indonesia. Tersedia pada: https://www.bi.go.id/elicensing/helps/PBI_111209-Emoney.pdf.

Brown, S.A. dan Venkatesh, V. (2005) “Model of Adoption of Technology in Households: A Baseline Model Test and Extension Incorporating Household Life Cycle,” MIS Quarterly, 29(3), hal. 399–426. Tersedia pada: https://doi.org/10.2307/25148690.

Chin, W.W. dan Todd, P.A. (1995) “On the Use, Usefulness, and Ease of Use of Structural Equation Modeling in MIS Research: A Note of Caution,” MIS Quarterly, 19(2), hal. 237–246. Tersedia pada: https://doi.org/10.2307/249690.

Chopdar, P.K. dan Sivakumar, V.J. (2019) “Understanding continuance usage of mobile shopping applications in India: the role of espoused cultural values and perceived risk,” Behaviour & Information Technology, 38(1), hal. 42–64. Tersedia pada: https://doi.org/10.1080/0144929X.2018.1513563.

Davis, F.D. (1989) “Perceived Usefulness, Perceived Ease of Use, and User Acceptance of Information Technology,” MIS Quarterly, 13(3), hal. 319–340. Tersedia pada: https://doi.org/10.2307/249008.

Davis, F.D., Bagozzi, R.P. dan Warshaw, P.R. (1989) “User Acceptance of Computer Technology: A Comparison of Two Theoretical Models,” Management Science, 35(8), hal. 982–1003. Tersedia pada: http://www.jstor.org/stable/2632151.

Departemen Agama Republik Indonesia (1989) Al Qur’an dan Terjemahnya. Semarang: Karya Toha Putra.

Fishbein, M. dan Ajzen, I. (2005) “Theory-based Behavior Change Interventions: Comments on Hobbis and Sutton,” Journal of Health Psychology, 10(1), hal. 27–31. Tersedia pada: https://doi.org/10.1177/1359105305048552.

Ghozali, I. dan Latan, H. (2015) Partial Least Squares: Konsep, Teknik dan Aplikasi SmartPLS 3.0 untuk Penelitian Empiris. Semarang: Badan Penerbit Universitas Diponegoro.

Glady, J.E. dan Rantung, R. (2020) “Analisis Determinan Niat Menggunakan E-Money di Kalangan Millennials Dengan Pendekatan UTAUT,” Klabat Journal of Management, 1(1), hal. 90–104. Tersedia pada: https://ejournal.unklab.ac.id/index.php/kjm/article/view/451.

Gupta, K. dan Arora, N. (2020) “Investigating consumer intention to accept mobile payment systems through unified theory of acceptance model,” South Asian Journal of Business Studies, 9(1), hal. 88–114. Tersedia pada: https://doi.org/10.1108/SAJBS-03-2019-0037.

IPSOS Indonesia (2020) Penelitian Ipsos: Evolusi Dompet Digital Menuju Keberlanjutan Bisnis. Jakarta. Tersedia pada: https://www.ipsos.com/sites/default/files/ct/news/documents/2020-02/ipsos_-_press_release_-_indonesian.pdf.

Kementerian PPN/Bappenas (2017) NARASI TUNGGAL: Hari Kependudukan Dunia 2017: Masa Depan Demografi Indonesia dan Keseimbangan Pertumbuhan Penduduk, Bappenas. Tersedia pada: https://www.bappenas.go.id/id/berita/narasi-tunggal-hari-kependudukan-dunia-2017-masa-depan-demografi-indonesia-dan-keseimbangan-pertumbuhan-penduduk (Diakses: 2 Januari 2024).

Kotler, P. dan Amstrong, G. (2018) Principles of Marketing. 17 Global. London: Pearson Education.

Madan, K. dan Yadav, R. (2016) “Behavioural intention to adopt mobile wallet: a developing country perspective,” Journal of Indian Business Research, 8(3), hal. 227–244. Tersedia pada: https://doi.org/10.1108/JIBR-10-2015-0112.

Megadewandanu, S., Suyoto dan Pranowo (2016) “Exploring mobile wallet adoption in Indonesia using UTAUT2: An approach from consumer perspective,” in 2016 2nd International Conference on Science and Technology-Computer (ICST). Yogyakarta: IEEE, hal. 11–16. Tersedia pada: https://doi.org/10.1109/ICSTC.2016.7877340.

Merhi, M., Hone, K. dan 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, hal. 101151. Tersedia pada: https://doi.org/10.1016/j.techsoc.2019.101151.

Moorthy, K. et al. (2020) “What drives the adoption of mobile payment? A Malaysian perspective,” International Journal of Finance & Economics, 25(3), hal. 349–364. Tersedia pada: https://doi.org/10.1002/ijfe.1756.

Morosan, C. dan DeFranco, A. (2016) “It’s about time: Revisiting UTAUT2 to examine consumers’ intentions to use NFC mobile payments in hotels,” International Journal of Hospitality Management, 53, hal. 17–29. Tersedia pada: https://doi.org/10.1016/j.ijhm.2015.11.003.

Nawawi, M.Y.B.S. (2007) HADITS ARBA’IN NAWAWIYAH. Diedit oleh A. HAIDHIR, M.M. BASHR, dan M. TARMIZI. islamhouse.com. Tersedia pada: http://rspkuwonosobo.id/ebook/file_data/96___Hadits Arbain Nawawiyah.pdf.

Oliveira, T. et al. (2016) “Mobile payment: Understanding the determinants of customer adoption and intention to recommend the technology,” Computers in Human Behavior, 61, hal. 404–414. Tersedia pada: https://doi.org/10.1016/j.chb.2016.03.030.

Pertiwi, N.W.D.M.Y. dan Ariyanto, D. (2017) “PENERAPAN MODEL UTAUT2 UNTUK MENJELASKAN MINAT DAN PERILAKU PENGGUNAAN MOBILE BANKING DI KOTA DENPASAR,” E-Jurnal Akuntansi, 18(2), hal. 1369–1397. Tersedia pada: https://ojs.unud.ac.id/index.php/Akuntansi/article/download/25548/17816.

Putranto, A.M. dan Pramudiana, Y. (2015) “Pengaruh Faktor-Faktor dalam Modifikasi Unified Theory of Acceptance and Use of Technology 2 terhadap Perilaku Konsumen dalam Mengadopsi Layanan Wifi PT. XYZ area Jakarta,” in e-Proceeding of Management. Bandung: Universitas Telkom, hal. 1085–1094. Tersedia pada: https://openlibrarypublications.telkomuniversity.ac.id/index.php/management/article/view/400.

Putri, N.K.R.D. dan Suardikha, I.M.S. (2020) “Penerapan Model UTAUT 2 Untuk Menjelaskan Niat Dan Perilaku Penggunaan E-Money di Kota Denpasar,” E-Jurnal Akuntansi, 30(2), hal. 540–555. Tersedia pada: https://doi.org/10.24843/EJA.2020.v30.i02.p20.

Rogers, E.M., Singhal, A. dan Quinlan, M.M. (2008) “Diffusion of Innovations,” in D.W. Stacks dan M.B. Salwen (ed.) An Integrated Approach to Communication Theory and Research. 2 ed. New York: Routledge, hal. 17. Tersedia pada: https://doi.org/10.4324/9780203887011.

Sugeng (2019) Peraturan Anggota Dewan Gubernur Nomor 21/18/PADG/2019 Tentang Implementasi Standar Nasional Quick Response Code Untuk Pembayaran, Bank Indonesia. Indonesia: Bank Indonesia. Tersedia pada: https://www.bi.go.id/id/publikasi/peraturan/Pages/padg_211819.aspx.

Sugiyono (2021) Metode Penelitian Kuantitatif Kualitatif dan R&D. 2 ed. Diedit oleh Sutopo. Bandung: Alfabeta.

Tak, P. dan Panwar, S. (2017) “Using UTAUT 2 model to predict mobile app based shopping: evidences from India,” Journal of Indian Business Research, 9(3), hal. 248–264. Tersedia pada: https://doi.org/10.1108/JIBR-11-2016-0132.

Taylor, S. dan Todd, P.A. (1995) “Understanding Information Technology Usage: A Test of Competing Models,” Information Systems Research, 6(2), hal. 144–176. Tersedia pada: http://www.jstor.org/stable/23011007.

Thompson, R.L., Higgins, C.A. dan Howell, J.M. (1991) “Personal Computing: Toward a Conceptual Model of Utilization,” MIS Quarterly, 15(1), hal. 125–143. Tersedia pada: https://doi.org/10.2307/249443.

Venkatesh, V. et al. (2003) “User Acceptance of Information Technology: Toward a Unified View,” MIS Quarterly, 27(3), hal. 425–478. Tersedia pada: https://doi.org/10.2307/30036540.

Venkatesh, V. dan Davis, F.D. (2000) “A Theoretical Extension of the Technology Acceptance Model: Four Longitudinal Field Studies,” Management Science, 46(2), hal. 186–204. Tersedia pada: https://doi.org/10.1287/mnsc.46.2.186.11926.

Venkatesh, V., Thong, J.Y.L. dan Xu, X. (2012) “Consumer Acceptance and Use of Information Technology: Extending the Unified Theory of Acceptance and Use of Technology,” MIS Quarterly, 36(1), hal. 157–178. Tersedia pada: https://doi.org/10.2307/41410412.

Pengkajian Faktor-faktor yang Mempengaruhi Minat dan Perilaku Mahasiswa dalam Melakukan Pembayaran Non-Tunai dengan Pendekatan Model UTAUT 2

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