Penerimaan E-Wallet Syariah Linkaja Dalam Rangka Pengembangan Ekonomi Digital Di Indonesia

Andriyaningtyas, Irma; Adam, Muhammad; Herianingrum, Sri

doi:10.24034/j25485024.y2021.v5.i4.4772

Cited by 5 publications

(5 citation statements)

References 15 publications

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“…The results of this study are not in line with the research of Jamaludin (2021), Puspitaningrum andFatah (2021), andAndriyaningtyas et al (2021) which states that religiosity moderates digital literacy and fintech usage. Religiosity is closely related to human inner life.…”

Section: The Effect Of Religiosity In Moderating Digital Literacy And...contrasting

confidence: 99%

The Role of Digital Literacy and Financial Literacy on the Use of Islamic Fintech Moderated by Religiosity the Impact on Personal Financial Management

Aziz,

Giantoro Pamungkas,

Alifa

et al. 2023

IJSAS

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Financial management skills are a very important and necessary topic, because currently Indonesians, including Cirebon's digital natives (millennials and generation Z), still do not realise the importance of good financial management habits. Sharia financial technology is one of the digital financial innovations that is useful as a personal financial management tool for its users wherever and whenever they are. However, the development of Islamic fintech is still far behind compared to conventional fintech. This study aims to determine the effect between digital literacy and financial literacy on the use of Islamic fintech moderated by religiosity and its impact on personal financial management. This research was conducted with a quantitative method, using a moderated mediation analysis model. The results showed that digital literacy has a significant positive effect on the use of Islamic fintech, but financial literacy has no positive effect. Meanwhile, religiosity cannot moderate the relationship between digital literacy and the use of Islamic fintech and the relationship between financial literacy and the use of Islamic fintech. And the use of Islamic fintech has an influence on personal financial management.

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Section: The Effect Of Religiosity In Moderating Digital Literacy And...contrasting

confidence: 99%

The Role of Digital Literacy and Financial Literacy on the Use of Islamic Fintech Moderated by Religiosity the Impact on Personal Financial Management

Aziz,

Giantoro Pamungkas,

Alifa

et al. 2023

IJSAS

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“…Apabila hasil di lihat berdasarkan data primer minat mahasiswa di FEB UKSW, wawasan serta penggunaan terkait e-wallet tinggi, namun hasil data terkait performance expectancy menunjukkan minat mahasiswa masih kurang dalam penggunaan ewallet khususnya memilih ShopeePay untuk melakukan transaksi dikarenakan responden memiliki beberapa pilihan pembayaran selain menggunakaan ShopeePay sebagai sarana transaksi pembayaran di dalam e-commerce sehingga H1 ditolak. Pemaparan dan hasil penelitian tersebut sesuai penelitian Kurnianingsih (2022); Andriyaningtyas et al (2022).…”

Section: Pengaruh Performance Expectancy DI Dalam Minat Penggunaan Pa...unclassified

“…0.735 > 0.05) dan path coefficient (0.049) pada penelitian ini menghasilkan effort expectancy tidak berpengaruh di dalam minat penggunaan pada layanan ShopeePay dengan minat transaksi pada e-commerce. Hal ini menjelaskan bahwa penggunaan fitur serta layanan yang ada di dalam aplikasi e-wallet sangat mudah dipahami dan digunakan oleh seseorang sehingga menyebabkan seseorang tersebut tertarik untuk menggunakan teknologi baru sesuai dengan bukti empirik pada penelitian (Andriyaningtyas et al, 2022). Sayangnya, bukan faktor kemudahan saja yang mendorong minat konsumen untuk memilih menggunakan e-wallet dikarenakan konsumen sudah memiliki pengetahuan yang mendalam dan sudah terbiasa menggunakan teknologi tersebut (Saragih dan Rikumahu, 2022), kemudian penyebaran informasi tentang pembayaran cashless payment serta pengembangan dan inovasi terkait e-wallet di dalam lingkungan Universitas Kristen Satya Wacana masih kurang efektif dan efisien sehingga ketertarikan penggunaan dan pemahaman e-wallet masih kurang di kalangan mahasiswa sehingga dari hasil pengolahan data diatas H2 ditolak.…”

Section: Pengaruh Effort Expectancy DI Dalam Minat Penggunaan Pada La...unclassified

“…0.019 < 0.05) dan path coefficient (0.248) menyatakan social influence (SI) berpengaruh secara positif dan signifikan di dalam minat penggunaan pada layanan ShopeePay dengan minat transaksi pada e-commerce, dimana minat seseorang untuk menggunakan suatu sistem akan dipengaruhi oleh lingkungan sosial seperti adanya iklan yang muncul di berbagai media sosial terkait kemudahan pembuatan akun baru, promo cashback, dan lain sebagainya dapat menjadi daya tarik bagi seseorang yang melihat iklan tersebut yang di dukung oleh penelitian (Anugrah dan Ompusunggu, 2021). Hasil dari penelitian mendukung penelitian Rahmawati dan Maika (2021); Andriyaningtyas et al (2022) serta Mustaqim et al (2018) dimana social influence (SI) mempengaruhi secara positif dan signifikan terhadap minat seseorang dalam menggunakan e-wallet untuk melakukan transaksi di e-commerce.…”

Section: Pengaruh Social Influence DI Dalam Minat Penggunaan Pada Lay...unclassified

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Penggunaan E-Wallet Dalam Transaksi E-Commerce: Analisis Unified Theory of Acceptance and Use of Technology (Utaut)

Puspaningrum,

Atahau

2023

jepk

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E-wallet is an electronic service used as a payment tool in electronic form where the amount of money will be stored in a certain electronic medium. However, there are still problems related to privacy and data security also network access while using e-wallet. The use of e-wallet is expected to increase efficiency and effectiveness in conducting transactions, helping the smoothness of small but frequent mass transactions. The Unified Theory of Acceptance and Use of Technology (UTAUT) analysis is used to predict a person's attitudes and acceptance of the technology used and provide information on what factors can encourage the user's attitudes. The purpose of this study is to analyze the use of e-wallets in transactions on e-commerce using the UTAUT framework and to determine the impact of using E-wallets as a non-cash payment tool for e-commerce using the Unified Theory of Acceptance and Use of Technology (UTAUT) framework on 109 student respondents of Faculty Economics and Business Satya Wacana Christian University using explanatory research through a quantitative approach. The results of this study prove that there are two accepted hypotheses. Only the social influence and facilitating conditions variables have a positive and significant effect on the user's interest in using the ShopeePay service with an interest in transactions on e-commerce.

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“…Andriyaningtyas et al (2021) menjelaskan tentang penerimaan terhadap Linkaja Syariah dengan melihat hubungan antara faktor-faktor yang berhubungan dengan niat. Dalam hubungan niat perilaku, ditemukan bahwa terdapat pengaruh antara Effort Expectancy (ekspektasi usaha) dan Social Influence (pengaruh sosial) terhadap Intention (intensi/niat) untuk mengadopsi E-Wallet Syariah.…”

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Pengaruh Sikap, Norma Subjektif dan Persepsi Kontrol Perilaku terhadap Intensi Mahasiswa FEBI UINSU Menggunakan Linkaja Syariah

Ramadhani,

Imsar,

Tambunan

2023

AlMuqayyad

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Currently, the choice of digital wallets based on sharia principles in Indonesia is still very limited. Linkaja Syariah is a digital wallet that has obtained sharia compliance from MUI. This study aims to see the influence of attitudes, subjective norms, and perceptions of behavior control on intentions using Linkaja Syariah. This type of research is done using descriptive quantitative methods. Students from the Faculty of Islamic Economics and Business at UIN North Sumatra for the academic year 2021–2022 served as the study's sample population and 98 respondents were given questionnaires to complete in order to obtain the data. With the aid of IBM SPSS version 20, a multiple linear regression analysis method was used for this investigation. The results of this study indicate that partially attitudes significantly affect the intention to use Linkaja Syariah. Subjective norms partially did not significantly affect the intention to use Linkaja Syariah. Perception of behavior control significantly affects the intention to use Linkaja Syariah. The intention to use Linkaja Syariah is significantly influenced by attitude factors, subjective norms, and perceptions of behavior control at the same time.

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Penerimaan E-Wallet Syariah Linkaja Dalam Rangka Pengembangan Ekonomi Digital Di Indonesia

Cited by 5 publications

References 15 publications

The Role of Digital Literacy and Financial Literacy on the Use of Islamic Fintech Moderated by Religiosity the Impact on Personal Financial Management

The Role of Digital Literacy and Financial Literacy on the Use of Islamic Fintech Moderated by Religiosity the Impact on Personal Financial Management

Penggunaan E-Wallet Dalam Transaksi E-Commerce: Analisis Unified Theory of Acceptance and Use of Technology (Utaut)

Pengaruh Sikap, Norma Subjektif dan Persepsi Kontrol Perilaku terhadap Intensi Mahasiswa FEBI UINSU Menggunakan Linkaja Syariah

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