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Abstract
Ada banyak tantangan bagi perusahaan fintech untuk masuk ke UKM. Edukasi harus terus diberikan karena tidak banyak UKM di negara berkembang yang memahami perkembangan Fintech. Penelitian ini bertujuan untuk mengetahui bagaimana praktik layanan pembayaran pada usaha kecil dan menengah (UKM) di Malioboro, Yogyakarta, Indonesia. Penelitian ini menggunakan mixed method yaitu kombinasi metode kualitatif dan kuantitatif. Analisis kualitatif dalam penelitian ini dilakukan dengan wawancara terhadap 10 UKM yang telah menggunakan fintech dalam transaksi pembayaran, sedangkan analisis kuantitatif menggunakan hasil penyebaran kuosioner terhadap 180 pelaku UKM di Malioboro. Hasil penelitian ini menunjukkan bahwa masih banyak keluhan dari pengguna pembayaran seluler. Dari 10 UKM 3 diantaranya sudah terbiasa menggunakan metode transaksi digital sedangkat 7 UKM lainnya masih mengeluhkan beberapa permasalahan. Mereka mengklaim bahwa pembayaran mobile belum terlalu membantu dalam proses pembayaran karena proses pembayaran memiliki tahap yang rumit. Disisi lain analisis kuantitatif memberikan solusi dengan hasil yang menunjukkan bahwa untuk mendorong UKM dalam penggunaan fintech pemerintah ataupun perusahaan penyedia fintech perlu memperhatikan Perceived usefulness (Tingkat Kegunaan), perceived ease of use (Tingkat Kemudahan), perceived risk (Tingkat Resiko) dan perceived of cost (Tingkat Biaya) karena 4 variabel tersebut berpengaruh positif dan signifikan terhadap penggunaan inovasi teknologi online di UKM.
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References
- Luarn, P., & Lin, H. H. (2005). Toward an understanding of the behavioral intention to use mobile banking. Computers in human behavior, 21(6), 873-891.
- Koenig-Lewis, N., Palmer, A., & Moll, A. (2010). Predicting young consumers' take up of mobile banking services. International journal of bank marketing, 28(5), 410-432.
- Hatzakis, E.D., Nair, S.K. & Pinedo, M.L. (2010). Operations in financial services: an overview. Production and Operation Management.
- Duane, A., O'Reilly, P., & Andreev, P. (2011). Trusting M-Payments e realising the potential of smart phones for M-commerce: a conceptual model & survey of consumers in Ireland. Thirty Second International Conference on Information Systems, 1-18.
- Masinge, K. (2011). Factors influencing the adoption of mobile banking services at the Bottom of the Pyramid in South Africa (Doctoral dissertation).
- Merritt, C. (2011). Mobile money transfer services: the next phase in the evolution of person-to-person payments. Journal of Payments Strategy & Systems, 5(2), 143-160.
- Aldridge, I. (2013). High-Frequency Trading: A Practical Guide to Algorithmic Strategies and Trading System, second edition. John Wiley and Sons, New York.
- Kazi, A. K., & Mannan, M. A. (2013). Factors affecting adoption of mobile banking in Pakistan: Empirical Evidence. International Journal of Research in Business and Social Science, 2(3), 54.
- Leong, L.-Y., Hew, T.-S., Tan, G. W.-H., & Ooi, K.-B. (2013). Predicting the determinants of the NFC-enabled mobile credit card acceptance: a neural networks approach. Expert Systems With Applications, 40(14), 5604-5620.
- Https://id.wikipedia.org/wiki/Jalan_Malioboro, 2013
- Armey, Laura E., Lipow, Jonathan & Webb, Natalie J. (2014). The impact of electronic financial payments on crime. Information Economics and Policy 29, 46–57.
- Yin, R. K. (2014). Case Study Research: Design and Methods 5th Edition. London: Sage Publication.
- Creswell, J. (2014). Research Design: Qualitative, Quantitative and Mixed Methods Approach, 4th Edition. Tousand Oaks, CA: Sage
- Dlodlo, Nobukhosi. (2015). The Use Of M-Payment Services In South Africa: A Value Based Perceptions Approach. International Business & Economics Research Journal, 14 (1).
- Liu, J., Kauffman, R.J. & Ma, D. (2015). Competition, cooperation and regulation: Understanding the evolution of the mobile payments technology ecosystem. Electronic Commerce Research and Applications.
- 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, 159-172.
- Teo, A.-C., Tan, G. W.-H., Ooi, K.-B., Hew, T.-S., & Yew, K.-T. (2015). The effects of convenience and speed in m-payment. Industrial Management & Data Systems, 115(2), 311-331.
- Ting, Hiram, Yacob, Yusman, Liew, Lona & Lau. Wee Ming, (2016). Intention to Use Mobile Payment System: A Case of Developing Market by Ethnicity. Procedia - Social and Behavioral Sciences, 224, 368 – 375.
- Oliveira, Tiago, Manoj, Thomas, Baptista, Goncalo & Campos, Filipe. (2016). Mobile payment: Understanding the determinants of customer adoption and intention to recommend the technology. Computers in Human Behavior, 61, 404-414.
- Trütsch, Tobias. 2016. The impact of mobile payment on payment choice. Financ Mark Portf Manag 30, 299–336.
- Daştan, İkram & Gürler, Cem. (2016). Factors Affecting the Adoption of Mobile Payment Systems: An Empirical Analysis. Emerging Markets Journal, 6 (1).
- Wamai, John & Kandiri, John M. (2017). Determinants of Mobile Banking Adoption by Customers of Microfinance Institutions in Nairobi County in Kenya. International Journal of Science and Research (IJSR) ISSN (Online), 6 (6), 2279-2286
- Mun, Yeow Pooi, Khalid, Haliyana & Nadarajah, Devika. (2017). Millennials’ Perception on Mobile Payment Services in Malaysia. Procedia Computer Science, 124 , 397–404.
- Meifang, Yao, He, Di, Xianrong, Zheng & Xiaobo, Xu. (2017). Impact of payment technology innovations on the traditional financial industry: A focus on China. Technological Forecasting & Social Change.
- Wonglimpiyarat, Jarunee. 2018. Challenges and dynamics of FinTech crowd funding: An innovation system approach. Journal of High Technology Management Research, 29, 98–108.
- Gai, Keke, Qiu, Meikang & Sun, Xiaotong. (2018). A survey on FinTech. Journal of Network and Computer Applications, 103, 262–273.
- Iman, Nofie. (2018). Is mobile payment still relevant in the fintech era?. Electronic Commerce Research and Applications, 30, 72–82.
References
Luarn, P., & Lin, H. H. (2005). Toward an understanding of the behavioral intention to use mobile banking. Computers in human behavior, 21(6), 873-891.
Koenig-Lewis, N., Palmer, A., & Moll, A. (2010). Predicting young consumers' take up of mobile banking services. International journal of bank marketing, 28(5), 410-432.
Hatzakis, E.D., Nair, S.K. & Pinedo, M.L. (2010). Operations in financial services: an overview. Production and Operation Management.
Duane, A., O'Reilly, P., & Andreev, P. (2011). Trusting M-Payments e realising the potential of smart phones for M-commerce: a conceptual model & survey of consumers in Ireland. Thirty Second International Conference on Information Systems, 1-18.
Masinge, K. (2011). Factors influencing the adoption of mobile banking services at the Bottom of the Pyramid in South Africa (Doctoral dissertation).
Merritt, C. (2011). Mobile money transfer services: the next phase in the evolution of person-to-person payments. Journal of Payments Strategy & Systems, 5(2), 143-160.
Aldridge, I. (2013). High-Frequency Trading: A Practical Guide to Algorithmic Strategies and Trading System, second edition. John Wiley and Sons, New York.
Kazi, A. K., & Mannan, M. A. (2013). Factors affecting adoption of mobile banking in Pakistan: Empirical Evidence. International Journal of Research in Business and Social Science, 2(3), 54.
Leong, L.-Y., Hew, T.-S., Tan, G. W.-H., & Ooi, K.-B. (2013). Predicting the determinants of the NFC-enabled mobile credit card acceptance: a neural networks approach. Expert Systems With Applications, 40(14), 5604-5620.
Https://id.wikipedia.org/wiki/Jalan_Malioboro, 2013
Armey, Laura E., Lipow, Jonathan & Webb, Natalie J. (2014). The impact of electronic financial payments on crime. Information Economics and Policy 29, 46–57.
Yin, R. K. (2014). Case Study Research: Design and Methods 5th Edition. London: Sage Publication.
Creswell, J. (2014). Research Design: Qualitative, Quantitative and Mixed Methods Approach, 4th Edition. Tousand Oaks, CA: Sage
Dlodlo, Nobukhosi. (2015). The Use Of M-Payment Services In South Africa: A Value Based Perceptions Approach. International Business & Economics Research Journal, 14 (1).
Liu, J., Kauffman, R.J. & Ma, D. (2015). Competition, cooperation and regulation: Understanding the evolution of the mobile payments technology ecosystem. Electronic Commerce Research and Applications.
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, 159-172.
Teo, A.-C., Tan, G. W.-H., Ooi, K.-B., Hew, T.-S., & Yew, K.-T. (2015). The effects of convenience and speed in m-payment. Industrial Management & Data Systems, 115(2), 311-331.
Ting, Hiram, Yacob, Yusman, Liew, Lona & Lau. Wee Ming, (2016). Intention to Use Mobile Payment System: A Case of Developing Market by Ethnicity. Procedia - Social and Behavioral Sciences, 224, 368 – 375.
Oliveira, Tiago, Manoj, Thomas, Baptista, Goncalo & Campos, Filipe. (2016). Mobile payment: Understanding the determinants of customer adoption and intention to recommend the technology. Computers in Human Behavior, 61, 404-414.
Trütsch, Tobias. 2016. The impact of mobile payment on payment choice. Financ Mark Portf Manag 30, 299–336.
Daştan, İkram & Gürler, Cem. (2016). Factors Affecting the Adoption of Mobile Payment Systems: An Empirical Analysis. Emerging Markets Journal, 6 (1).
Wamai, John & Kandiri, John M. (2017). Determinants of Mobile Banking Adoption by Customers of Microfinance Institutions in Nairobi County in Kenya. International Journal of Science and Research (IJSR) ISSN (Online), 6 (6), 2279-2286
Mun, Yeow Pooi, Khalid, Haliyana & Nadarajah, Devika. (2017). Millennials’ Perception on Mobile Payment Services in Malaysia. Procedia Computer Science, 124 , 397–404.
Meifang, Yao, He, Di, Xianrong, Zheng & Xiaobo, Xu. (2017). Impact of payment technology innovations on the traditional financial industry: A focus on China. Technological Forecasting & Social Change.
Wonglimpiyarat, Jarunee. 2018. Challenges and dynamics of FinTech crowd funding: An innovation system approach. Journal of High Technology Management Research, 29, 98–108.
Gai, Keke, Qiu, Meikang & Sun, Xiaotong. (2018). A survey on FinTech. Journal of Network and Computer Applications, 103, 262–273.
Iman, Nofie. (2018). Is mobile payment still relevant in the fintech era?. Electronic Commerce Research and Applications, 30, 72–82.