Pengaruh Efektivitas, Hedonis, Kemanfaatan, Dan Kepercayaan Terhadap Minat Mahasiswa Universitas Negeri Malang Dalam Menggunakan Layanan Shopeepay: Pendekatan Technology Acceptance Model

Abstract

Financial inclusion is one of the indicators used in knowing the development of the financial system in a country. Financial Technology can be used in overcoming the problem of financial inclusion because it can create access to financial services easily and improve the system to be more efficient in addition to the financial technology that develops in people's lives that encourages a cashless society, namely by creating electronic money innovations contained in an application platform called e-wallet. ShopeePay is an e-wallet that is popular among the public today. Therefore, researchers use variables of effectiveness, hedonistic, usefulness, and trust as independent variables and the interest of students of State University of Malang in using ShopeePay services as dependent variables. Researchers use variables of effectiveness, hedonistic, usefulness, and trust because according to the Technology Acceptance Model the variable is a factor that influences an individual's interest in using technology. This study used quantitative data with data collection methods in the form of questionnaires with a Linkert scale. The result of this study is that the variables of effectiveness, hedonics, and usefulness have a significant influence on the interest in using ShopeePay services. While the trust variable does not have a significant influence on the interest in using ShopeePay services

Faktor Yang Mempengaruhi Financial Management Behavior Melalui Financial Attitude Sebagai Variabel Intervening

“…Dalam hal ini tentunya teknologi sangat berperan penting guna menunjang berbagai aktivitas. Technology Acceptance Model menyatakan bahwa dengan menggunakan teknologi dapat memberikan akses serta kemudahan dalam melakukan berbagai macam kegiatan misalnya bertransaksi keuangan melalui financial technology (fintech) (Hanifah & Mukhlis, 2022).…”

Peranan Technology Acceptance Models dalam Minat Penggunaan Financial Technology pada UMKM

“…Pemanfaatan teknologi informasi memiliki manfaat dalam meningkatkan kinerja dan prestasi pihak yang menggunakannya [15]. Penelitian Hanifah dan Mukhlis [16] menunjukkan bahwa variabel kemanfaatan mempunyai pengaruh signifikan terhadap minat menggunakan fintech. Pemanfaatan fintech menawarkan banyak promosi seperti fasilitas cashback dan promosi gratis ongkos kirim.…”

“…Penelitian ini mendukung penelitian yang memberitahukan bahwa persepsi kepercayaan berpengaruh minat pemakaian fintech. Selanjutnya, penelitian [16] dan [24] memberitahukan bahwa pandangan terkait kepercayaan tidak mempengaruhi minat penggunaan financial technology.…”

Intention to Use on the Use of E-Wallet Link Aja: How Important is Hedonic Motivation?

“…Research conducted by Utami & Irwansyah (2022) found that hedonic motivation had a positive but insignificant impact on the intention to use the Dana application. Hanifah & Mukhlis (2022)stated that hedonic motivation positively impacted the intention to use ShopeePay. Meanwhile, research conducted by Saragih & Rikumahu (2022) shows that hedonic motivation has no significant effect on e-wallet adoption of Gopay, Ovo and Dana.…”