Manfaat Dan Kemudahan Yang Dirasakan Terhadap Niat Menggunakan Go Pay Pada Generasi Y Di Surabaya

Sudyasjayanti, Christina; Salsabil, Sabila

doi:10.24912/jmieb.v4i2.8225

Cited by 4 publications

(4 citation statements)

References 8 publications

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“…Based on the findings presented in the previous section, it can be suggested or concluded that the four variables (attitudes, subjective norms, perceived usefulness, and perceived ease of use) are found to have a significant influence in determining or changing the desire of Indonesian consumers to use PayLater facilities to carry out payment activities for all types of transactions made by the consumer. This finding is also in line with the results obtained by various authors who found significant effects of attitudes, subjective norms, perceived usefulness and perceived ease of use on determining the willingness or intention of people or consumers to perform certain behaviors (Tseng et al, 2022;Wilson, 2019;Sudyasjayanti & Salsabil, 2020;Susanto & Sugiyanto, 2021;Acharya & Mekker, 2022;Li et al, 2022;Ly & Ly, 2022). TRA and TAM which implies that attitudes and subjective norms (in the case of TRA), together with perceived ease of use and perceived usefulness (in the case of TAM), can serve as several important factors that can reinforce, influence or form the willingness or intention of individuals to carry out certain behaviors which in this study refers to the behavior of carrying out payment activities using the PayLater facility.…”

Section: Discussionsupporting

confidence: 92%

Consumers’ Willingness to Use PayLater by Integrating TRA and TAM Theories

Prayitno

2023

Journal of Business, Management, and Social Studies

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The willingness to adopt or utilize the PayLater facility as a tool to make cashless transactions as often as possible is still rare. Therefore, to fill this gap, this study tries to integrate the concepts of TRA and TAM to examine the factors that influence the desire of Indonesian consumers to adopt or use PayLater as their main facility (and choice) for purchasing various goods and transaction activities. All participants in this research are Indonesian consumers who have made at least five cashless payments using the PayLater feature as their primary method over the course of the past six months. The information is gathered using a Google Forms-based web survey. This study created a questionnaire and received a total of 178 completed questionnaires. After further review, it was determined that all the data could be used in this research. Purposive sampling was the non-probability sampling technique used in this study to ensure that every respondent met the requirements or specific criteria outlined in this research. Additionally, the data was processed using PLS by analyzing all the information gathered from all the respondents. It is discovered that the four factors—attitudes, subjective norms, perceived usefulness, and perceived ease of use—have a significant impact on determining or altering Indonesian consumers’ desire to use PayLater facilities to carry out payment activities for all types of transactions made by the consumer. By verifying the influence of attitude, subjective norm, perceived usefulness, and perceived ease of use on the desire to use PayLater—which most prior studies have rarely demonstrated—the study adds value to the body of literature on consumer behavior.

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Section: Discussionsupporting

confidence: 92%

Consumers’ Willingness to Use PayLater by Integrating TRA and TAM Theories

Prayitno

2023

Journal of Business, Management, and Social Studies

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“…Based on the findings presented on the previous section, it can be suggested or concluded that all four variables (attitude, subjective norm, perceived usefulness, and perceived ease of use) found to have significant effects in determining or altering Indonesians' willingness to use credit card in order to conduct payment activities for any kind of transactions that these people made. These findings are also in line with the results obtained by various authors who found the significant effects of attitude, subjective norm, perceived usefulness and perceived ease of use toward determining people or consumers' willingness or intention to perform certain behavior (Tseng et al, 2022;Wilson, 2019;Sudyasjayanti and Salsabil, 2020;Susanto and Sugiyanto, 2021;Acharya and Mekker, 2022;Li et al, 2022;Ly and Ly, 2022. In this case, these results had successfully strengthened or reinforced the basic concept of both TRA and TAM which imply that attitude and subjective norm (in the case of TRA), together with perceived ease of use and perceived usefulness (in the case of TAM), serve as several important factors which undoubtedly can strengthened, affect or shape individuals' willingness or intention to conduct certain behavior -which in this research refers to the behavior of conducting payment activities using credit card. https://doi.org/10.24912/jmieb.v6i2.20591…”

Section: Discussionsupporting

confidence: 92%

Integrating Tra and Tam Theory to Explain Consumers’ Willingness to Use Credit Card in Indonesia

Wilson

Prayitno

2022

JMIEB

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Dalam kurun waktu 10 tahun terakhir, pembayaran non-tunai telah menjelma sebagai opsi pembayaran yang cukup banyak digunakan oleh masyarakat Indonesia ketika melakukan transaksi akan pembelian suatu barang atau jasa tertentu. Adapun tren ini semakin meningkat di masa pandemi COVID-19, dimana, dikarenakan masyarakat cenderung berusaha untuk meminimalisir kontak fisik dengan orang lain ataupun dengan benda-benda tertentu (termasuk uang fisik) yang dianggap mampu mempercepat penularan virus COVID-19 dari satu pihak kepada pihak lain, maka banyak masyarakat cenderung memilih untuk melakukan transaksi pembayaran secara non-tunai. Namun, hal yang menarik dari fenomena ini adalah bahwa dari berbagai media transaksi non-tunai yang dapat dipilih, kartu kredit masih menjadi salah satu pilihan opsi pembayaran yang cukup banyak digunakan ataupun dipilih oleh masyarakat dibandingkan dengan opsi pembayaran non-tunai lainnya. Dengan demikian, maka studi ini dilakukan guna mengkaji beberapa aspek yang di-hipotesakan mampu mendorong penggunaan kartu kredit sebagai media pembayaran non-tunai di kalangan masyarakat Indonesia dari perspektif theory of reasoned action (TRA) serta technology acceptance model (TAM). Sebanyak 178 data terkumpul dari para responden, dimana, responden merupakan pengguna kartu kredit aktif yang telah menggunakan kartu kredit untuk berbagai transaksi yang telah dilakukan minimal 5 kali dalam 6 bulan terakhir. Metode purposive sampling digunakan untuk memastikan bahwa responden telah memenuhi kriteria yang ditetapkan di dalam studi ini. Dengan menggunakan metode PLS, hasil analisis data menemukan bahwa perceived ease of use, ditambah dengan subjective norm, attitude serta perceived usefulness, merupakan beberapa faktor yang secara signfikan mempengaruhi intensi masyarakat di dalam menggunakan kartu kredit untuk bertransaksi. For the past 10 years, cashless payment had emerged as one of the most popular payment method used by Indonesians to conduct various transactions for the goods or services that they buy. Such trend intensified during the COVID-19 pandemic, in which, since people decided to limit the amount of physical contact that they had toward various goods (such as physical money) due to fear of contracting the virus, many of these people opted to shift to various forms of cashless payment in order to pay for the products that they’re buying. In this case, surprisingly, compare to the other forms of cashless payments, credit cards still regarded as one of the most preferred cashless payment tool by Indonesians, thus proving the popularity of credit cards despite the influx of several cashless payment applications established in Indonesia which offer similar services to consumers. Therefore, this research aims to specify factors which can affect people’s willingness to use credit cards from the perspectives of both theory of reasoned action (TRA) and technology acceptance model (TAM). 178 respondents filled in the questionnaires, in which, respondents were active credit cards users who’ve used credit cards for various transactions that they’ve conducted at least 5 times in the last 6 months. Using PLS, the results of the data analyses showed that perceived ease of use, together with attitude, subjective norm and perceived usefulness, serve as four significant factors which affect Indonesians’ willingness to use credit cards for the transactions that they conducted.

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“…Diantaranya adalah; (Sudyasjayanti & Salsabil, 2020); (Syafrida & Awaludin, 2020); (Thusi & Maduku, 2020).…”

Section: Generasi Y (Milenials) Dan Generasi Zunclassified

Determinan Penggunanan Digital Banking Pada Generasi Y Dan Generasi Z Muslim Di Kota Banda Aceh

Muliza

2024

Eqien

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The development of information technology has given a new face to the financial and banking industry, such as the presence of digital banks. Implementation of Aceh Qanun Number 11 of 2018 concerning Sharia Financial Institutions (LKS) also does not become an obstacle for digital banking, because digital banks do not require physical services to carry out their activities. Currently, more than 90% of digital banks in Indonesia use conventional systems. The movement in the development of digital banks has shown quite significant growth in Indonesia, especially during the Covid-19 pandemic when demands for physical meetings were implemented. This research aims to look at the determinants of digital bank use among generations Y and Z Muslims in Banda Aceh City by analyzing the relationship between eight independent variables, namely economic value, ease of use, social influence, company reputation, promotion, features, curiosity and appreciation. The population in this research is all generations Y and Z Muslims in Banda Aceh City who have used digital banking services for at least 4 months. The sample used was 100 people using a purposive sampling technique. Data was collected by distributing questionnaires using a Likert scale instrument, which was then analyzed using multiple linear regression analysis techniques. The research results show that all variables except the sales promotion and curiosity variable have a significant effect on the intention to use digital banking in the city of Banda Aceh. Keywords : Digital Banking, Generation Y and Generation Z

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Manfaat Dan Kemudahan Yang Dirasakan Terhadap Niat Menggunakan Go Pay Pada Generasi Y Di Surabaya

Cited by 4 publications

References 8 publications

Consumers’ Willingness to Use PayLater by Integrating TRA and TAM Theories

Consumers’ Willingness to Use PayLater by Integrating TRA and TAM Theories

Integrating Tra and Tam Theory to Explain Consumers’ Willingness to Use Credit Card in Indonesia

Determinan Penggunanan Digital Banking Pada Generasi Y Dan Generasi Z Muslim Di Kota Banda Aceh

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