Determinants of Intention to Adopt E-Wallet: Considerations for MSMEs Going Digital
Abstract
This study aims to determine whether MSMEs' intentions to adopt e-wallets are influenced by perceived ease of use, perceived risk, and promotion. Naturally, the findings of this study should be considered by MSMEs actors in their decision to adopt e-wallets and switch to digital payment methods because MSMEs must be able to adapt to conditions both during and after the pandemic by utilizing E-Wallet as a method of payment. This study relied on quantitative descriptive research to develop its concept, and previous studies carried out the research. The data that will be managed with the help of the Smart PLS tool will be distributed to a total of 250 respondent populations in the Jabodetabek area. The results of this study state that perceived ease of use and perceived risk have a positive and significant effect on the intention to adopt an e-wallet. In contrast, the promotion does not affect the intention to adopt an e-wallet. From the results of this study, it can be a consideration for MSME players to switch to digital and expand payment facilities with e-wallets that are easy to use and low risk so that consumers feel comfortable making payments.
Keywords: E-Wallet, intention to adopt, MSMEs, perceived ease of use, perceived risk, promotionFull Text:
PDFReferences
Bisnis.com, “UMKM Bisa Tertinggal Jika Tak Pakai Pembayaran Elektronik,” Bisnis.com, 2018.
A. Tobing, “Inilah Alasan Mengapa Bisnis UMKM Harus Pakai QRIS,” oyindonesia.com, 2021. https://www.oyindonesia.com/blog/alasan-mengapa-bisnis-umkm-harus-pakai-qris
M. Krisnawati, J. Wienadi, and T. Wiradinata, “The Effect of Consumer Trust and Perceived Risk on e-Wallet Adoption: Consideration for Technology Startup Entrepreneurs,” J. Entrep. dan …, 2021, [Online]. Available: https://journal.uc.ac.id/index.php/JEE/article/view/2212
D. Devita, “Siapakah Aplikasi E-Wallet Terpopuler di Indonesia?,” iprice.co.id, 2019. https://iprice.co.id/insights/id/digital-economy/aplikasi-e-wallet-indonesia-2019/
C. M. Annur, “Survei: OVO Rajai Pangsa Pasar E-Wallet Indonesia pada 2020,” katadata.co.id, 2021. https://databoks.katadata.co.id/datapublish/2021/07/14/survei-ovo-rajai-pangsa-pasar-e-wallet-indonesia-pada-2020
G. William and M. Tjokrosaputro, “Persepsi Kegunaan Dan Promosi Untuk Memprediksi Niat Penggunaan E-Wallet: Sikap Sebagai Variabel Mediator,” J. Muara Ilmu Ekon. dan …, 2021, [Online]. Available: http://journal.untar.ac.id/index.php/jmieb/article/view/9997
D. Kasilingam and R. Krishna, “Understanding the adoption and willingness to pay for internet of things services,” Int. J. Consum. …, 2022, doi: 10.1111/ijcs.12648.
M. F. Wiradimaja and B. Rikumahu, “Pengaruh Faktor Risiko Dan Faktor Kepercayaan Terhadap Adopsi Electronic Wallet Menggunakan Model Tam (studi Kasus: E-wallet Ovo Di Kota Bandung),” eProceedings …, 2019, [Online]. Available: https://openlibrarypublications.telkomuniversity.ac.id/index.php/management/article/view/9825
D. F. Abrahão, Ricardo de Sena; Stella NaomiMoriguchi, “Intention of adoption of mobile payment: An analysis in the light of the Unified Theory of Acceptance and Use of Technology (UTAUT),” RAI Rev. Adm. e Inovação, vol. 13, no. 3, pp. 221–230, 2016, doi: https://doi.org/10.1016/j.rai.2016.06.003.
H. Hallikainen, B. Paesbrugghe, T. Laukkanen, D. Rangarajan, and M. Gabrielsson, “How Individual Technology Propensities and Organizational Culture Influence B2B Customer’s Behavioral Intention to Use Digital Services at Work?,” 2017, pp. 4577–4585. doi: 10.24251/HICSS.2017.552.
Y. H. S. Al-Mamary, A. Shamsuddin, and A. H. N. Aziati, “Investigating the Key Factors Influencing on Management Information Systems Adoption among Telecommunication Companies in Yemen: The Conceptual Framework Development,” Int. J. Energy, Inf. Commun., vol. 6, no. 1, pp. 59–68, 2015, [Online]. Available: https://www.researchgate.net/publication/273442445_Investigating_the_Key_Factors_Influencing_on_Management_Information_Systems_Adoption_among_Telecommunication_Companies_in_Yemen_The_Conceptual_Framework_Development
G. Aydin and S. Burnaz, “Adoption of mobile payment systems: a study on mobile wallets,” J. Bus. Econ. Financ., vol. 5, no. 1, pp. 73–92, 2016, doi: 10.17261/Pressacademia.2016116555.
S. Priambodo and B. Prabawani, “Pengaruh Persepsi Manfaat, Persepsi Kemudahan Penggunan, Dan Persepsi Risiko Terhadap Minat Menggunakan Layanan Uang Elektronik (Studi Kasus pada Masyarakat di Kota Semarang),” J. Ilmu Adm. Bisnis, vol. 5, no. 2, pp. 127–135, 2016, doi: https://doi.org/10.14710/jiab.2016.11294.
R. U. Karimah, “Pengaruh Reputasi Toko Dan Persepsi Kemudahan Terhadap Minat Beli Online Pada Situs Lazada. Co. Id Dengan Kepercayaan Sebagai Variabel Mediasi (Studi Pada Mahasiswa STIE Putra Bangsa Kebumen),” J. STIE Putra Bangsa Kebumen, 2018.
M. A. Hafiz, “Pengaruh Persepsi Manfaat Dan persepsi Kemudahan Penggunaan Terhadap niat Penggunaan Mobile commerce (Survey Pada Pelaku Usaha Di Sentra Tanaman Hias Cihideung Kab. Bandung Barat),” Universitas Komputer Indonesia, 2019.
I. Kusumawati, S. Hartono, and E. Kustiyah, “Kemudahan, Kepercayaan Dan Persepsi Resiko Terhadap Keputusan Pembelian Pengguna Dompet Digital Ovo Di Surakarta),” J. Manag. - Small Mediu. Enterp., vol. 11, no. 1, 2020, doi: https://doi.org/10.35508/jom.v11i1.2315.
S. Mauludiyahwati, “Pengaruh Kepercayaan, Keamanan, Kualitas Pelayanan Dan Persepsi Risiko Menggunakan E-Commerce Terhadap Keputusan Pembelian Online (Survei Pada Konsumen www.lazada.co.id),” Universitas Negeri Yogyakarta, 2017.
R. A. S. Sati and Muhammad Ramaditya, “Pengaruh Persepsi Manfaat, Persepsi Kemudahan Penggunaan, Kepercayaan Dan Persepsi Risiko Terhadap Minat Menggunakan E-Money (Studi Kasus Pada Konsumen Yang Menggunakan Metland Card),” STIE Indonesia (STEI) Jakarta, 2020.
P. Soto-Acosta, F. J. Molina-Castillo, C. Lopez-Nicolas, and R. Colomo-Palacios, “The effect of information overload and disorganisation on intention to purchase online: The role of perceived risk and internet experience,” Online Inf. Rev., vol. 38, no. 4, pp. 543–561, 2014, doi: https://doi.org/10.1108/OIR-01-2014-0008.
C. Martins, T. Oliveira, and A. Popovič, “Understanding the Internet banking adoption: A unified theory of acceptance and use of technology and perceived risk application,” Int. J. Inf. Manage., vol. 34, no. 1, pp. 1–13, 2014, doi: https://doi.org/10.1016/j.ijinfomgt.2013.06.002.
T. Natarajan, S. A. Balasubramanian, and D. L. Kasilingam, “Understanding the intention to use mobile shopping applications and its influence on price sensitivity,” J. Retail. Consum. Serv., vol. 37, pp. 8–22, 2017, doi: https://doi.org/10.1016/j.jretconser.2017.02.010.
G. Armstrong, S. Adam, S. Denize, and P. Kotler, Principles of Marketing, 6th ed. Australia: Pearson, 2014.
P. Kotler and K. L. Keller, Marketing Management 16 edition, 16th ed. Pearson Prentice Hall, 2016.
Suliyanto, Metode Penelitian Bisnis untuk Skripsi. Yogyakarta: Andi, 2018.
J. Joseph F. Hair, G. T. M. Hult, C. M. Ringle, and M. Sarstedt, A primer on partial least squares structural equation modeling (PLS-SEM). Sage Publications, 2021.
Z. Aryatrois, “Pengaruh Klaster Industri Terhadap Manajemen Pengetahuan dan Kinerja Inovasi pada UKM di Yogyakarta,” Universitas Islam Indonesia, 2019.
N. Aslami, A. Apriani, C. C. Widayati, and R. V. Losi, “The Role Of Trust In Mediating Perceived Ease Of Use, Perceived Risk And E-Wom On Purchase Intention,” J. Perspekt. Manajerial dan Kewirausahaan, vol. 2, no. 2, pp. 69–81, 2022.
I. Ghozali, Aplikasi analisis multivariate dengan program IBM SPSS 25. Universitas Diponegoro, 2018.
A. Apriani, C. C. Widayati, Magito, and Shafwan, “The Effect Of Organizational Climate And Servant Leadership On Job Satisfaction And Their Impacts On Employees’ Performance In The Midst Of Covid-19 Pandemic,” J. Manag. Bus. Innov., vol. 3, no. 2, pp. 1–10, 2021.
T. Ramayah, J. A. L. Yeap, N. H. Ahmad, H. A. Halim, and S. A. Rahman, “Testing a confirmatory model of Facebook usage in SmartPLS using consistent PLS,” Int. J. Bus. Innov., vol. 3, no. 2, 2017.
DOI: http://dx.doi.org/10.30829/jombi.v4i02.13448
Refbacks
- There are currently no refbacks.
Copyright (c) 2022 Ari Apriani, Nur Endah Retno Wuryandari
