Online Payment, Individual Characteristics, and Digital Financial Inclusion in Oic Countries

Hashfi, Rizqi Umar Al; Zusryn, Alyta Shabrina; Khoirunnisa, Novi Lailatul; Listyowati, Ammelia Rizza Fitri Ayu

doi:10.21098/jimf.v6i4.1148

Cited by 3 publications

(3 citation statements)

References 38 publications

(80 reference statements)

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“…Niat berperilaku baru karena dampak pandemi-Covid 19 berperan penting pada peningkatan inklusi keuangan digital UMK terlihat dari effect size paling besar. Hasil penelitian ini sejalan dengan penelitian kuantitatif terdahulu (Al Hashfi et al, 2020). UMK yang memiliki niat perilaku baru penggunaan Fintech epayment, membiasakan diri bertransaksi online menyebabkan semakin inklusif dalam keuangan digital.…”

Section: Pembahasanunclassified

“…Konsisten dengan penelitian (Shiau et al, 2020) Dalam penelitian ini diketahui bahwa usia pemilik UMK, omzet usaha dan lamanya usaha beroperasi tidak mempengaruhi pemanfaatan inklusi keuangan digital usaha mikro dan kecil. Hal ini sejalan dengan hasil penelitian empiris oleh Kusumaningtyas & Suwarto (2015) dan Al Hashfi et al, (2020) menemukan tidak ada perbedaan dalam adopsi ICT bagi UMKM dari sisi usia pemilik. Kemudahan aplikasi membuat penyebaran Fintech payment tinggi tanpa membedakan usia.…”

Section: Pembahasanunclassified

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Impresi e-Payment dan Niat Berperilaku Baru Bagi Pemanfaatan Inklusi Keuangan Digital UMK

2021

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Bagaimana impresi penggunaan e-payment dan niat berperilaku baru menggunakan e-payment di masa new normal pada usaha mikro dan kecil?. Penelitian ini bertujuan menguji model penelitian yang menjelaskan impresi e-payment dan niat berperilaku baru terhadap pemanfaatan inklusi keuangan digital UMK. Sampel penelitian adalah usaha mikro dan kecil di Cikarang, sebanyak 81 responden pemilik UMK. Data penelitian diolah dan dianalisa menggunakan SEM-PLS dengan aplikasi WrapPLS 7.0. Hasil penelitian mengemukakan bahwa impresi e-payment berpengaruh positif signifikan terhadap niat berperilaku dan inklusi keuangan. Niat berperilaku baru penggunaan e-payment berpengaruh signifikan positif pada inklusi keuangan UMK. Niat berperilaku baru memediasi parsial hubungan impresi e-payment terhadap inklusi keuangan digital UMK. Niat perperilaku baru penggunaan Fintech berkontribusi lebih besar dibandingkan impresi penggunaan e-payment pada transaksi keuangan digital UMK.How are the impressions of using e-payments and new behavior intentions using e-payments in the new normal for micro and small businesses? This study aims to examine a research model that explains the impression of e-payments and new behavioral intentions toward utilization of digital financial inclusion MSEs. The research sample is micro and small businesses in Cikarang, with 81 respondents who own MSEs. The research data was processed and analyzed using SEM-PLS with the WrapPLS 7.0 application. The results showed that the impression of e-payment had a significant positive effect on behavioral intentions and financial inclusion. The new behavioral intention to use e-payments has a significant positive effect on MSEs' financial inclusion. New behavioral intentions partially mediate the impression of e-payment on digital financial inclusion of MSEs. The new behavioral intention to use Fintech contributes more than the impression of using e-payments in MSE digital financial transactions.

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Section: Pembahasanunclassified

Impresi e-Payment dan Niat Berperilaku Baru Bagi Pemanfaatan Inklusi Keuangan Digital UMK

2021

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“…The results show that MSMEs face obstacles in understanding accounting knowledge even though there is a lot of accounting software on the market [4]. Apart from that, each accounting software has a different User Interface (UI) and User Experience (UX), making it difficult for ordinary users to operate it [5].…”

Section: Introductionmentioning

confidence: 99%

Comparison of Classification Algorithm and Language Model in Accounting Financial Transaction Record: A Natural Language Processing Approach

Makayasa,

Siregar,

Sugiantoro

et al. 2024

Int. J. Adv. Sci. Eng. Inf. Technol.

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The problem of financial recording not following the principles of accounting science has the potential to cause unnecessary problems. However, micro, small, and medium enterprises with their distinctive characteristics, though not all, still face many obstacles in writing financial reports. Even though there is already much financial software available, our study aims to investigate opportunities for implementing automation of accounting financial transaction records using the NLP approach, to interpret financial transactions based on text written on the transaction form into accounting journals (debits and credits). Experiments were carried out by comparing the performance of three classification algorithms, namely SVM, K-Nearest Neighbor, and Random Forest, with traditional (TF-IDF and BOW) and contextual (Word2Vec) Language Models. There are 200 financial transaction datasets consisting of ten classes. The data is divided into two parts, namely, the balance dataset and the imbalance dataset. The pair SVM and Word2Vec in the balanced dataset gave the highest accuracy (92.5%), precision (92.5%), recall/sensitivity (93.33%), and F1 score (92%). However, compared with the results of related semantic research (the average performance reaches 95%), the results obtained in this study are still lower. One point that may have a significant effect is the amount of data in the corpus, which is still lacking. Researchers suggest increasing the number of datasets and using a combination of other language models such as Glove, Bert etc. This study can also be used as a model for more complex financial transaction cases in future research.

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Continuity Intention Segment Mobile Payments: Review the Immediate Effects of Performance Expectancy and Effort Expectancy

Anggraeni,

Normasyhuri,

Kurniawan

2024

KSS

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Technological developments and the emergence of the financial technology industry coupled with digitalization in various fields have led to mobile payments in Indonesia. Mobile payments make transactions even faster and more convenient. However, there is a decision for consumers to continue or not to use technology, in this case regarding mobile payment technology. This study develops a model to see a direct relationship between performance expectancy and effort expectancy on continuance intention in cellular payments. Quantitative This study used SmartPLS 3.0 in conducting data analysis and obtained primary data from 1000 respondents through a list of questions given with a Likert scale. The research was conducted in two cities in Lampung Province. This study found the fact that performance expectancy has a direct relationship effect on continuity intention in mobile payments because consumers feel comfortable and do not worry about transactions through mobile payments. Effort expectancy has a direct relationship effect on continuity intention in mobile payments because consumers find transactions with mobile payment facilities very practical in use and easy to understand. Keywords: performance expectancy, effort expectancy, mobile payment, continuity intention

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Online Payment, Individual Characteristics, and Digital Financial Inclusion in Oic Countries

Cited by 3 publications

References 38 publications

Impresi e-Payment dan Niat Berperilaku Baru Bagi Pemanfaatan Inklusi Keuangan Digital UMK

Impresi e-Payment dan Niat Berperilaku Baru Bagi Pemanfaatan Inklusi Keuangan Digital UMK

Comparison of Classification Algorithm and Language Model in Accounting Financial Transaction Record: A Natural Language Processing Approach

Continuity Intention Segment Mobile Payments: Review the Immediate Effects of Performance Expectancy and Effort Expectancy

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