Perilaku Konsumen Muslim Generasi-Z Dalam Pengadopsian Dompet Digital
Keywords:
E-wallet; Digital wallet; Gen-Z; Indonesia; TAM; UTAUTAbstract
It has been two years since Indonesian consumers was introduced to a new payment system, named electronic wallet (E-wallet). In addition to its simplicity and are easy to use, E-wallets are also seemed to have many advantages with the addition of discounts and cashbacks that are offered. In this phenomenon of adopting new technology, it is obvious that there are many factors that affected it. The purpose of this study is to identify how the TAM (Technology Adoption Model) Theory and UTAUT (Unified Theory of Acceptance and Use of Tehnology), in addition to other related things, could influenced the consumers’s decision to use E-wallet. The PLS-SEM method and convenience sampling were used. 427 people, which consists of Gen-Z Muslims in all over Indonesia, participated in this study. The results showed that PEOU (Perceived Ease of Use), PU (Perceived Usefulness), FC (Facility Condition), TRST (Trust), SI (Social Influence) dan LC (Lifestyle Compatibility) significantly influenced E-wallet usage. Meanwhile, SCR (Security) influenced usage through TRST (Trust).
References
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Kumar, V., Nim, N., & Sharma, A. (2018). Driving growth of Mwallets in emerging markets: a retailer’s perspective. Journal of the Academy of
Marketing Science, 747–769. https://doi.org/10.1007/s11747-018-0613-6
Kumar, V., Nim, N., & Sharma, A. (2019). Driving growth of Mwallets in emerging markets: a retailer’s perspective. Journal of the Academy of Marketing Science, 47(4), 747–769. https://doi.org/10.1007/s11747-018-
0613-6
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Exploring divides in digital versus physical payment use in China. Information Technology and People, 29(2), 250–279. https://doi.org/10.1108/ITP-10-2014-0243
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Amin, M. (2014). User satisfaction with mobile websites: the impact of perceived usefulness (PU), perceived ease of use (PEOU) and trust. Nankai Business Review International, Vol. 5 No., 258–274.
Anjelina, A. (2018). Persepsi Konsumen Pada Penggunaan E-Money. Journal of Applied Managerial Accounting, 2(2), 219–231. https://doi.org/10.30871/jama.v2i2.934
Bagla, R. K., & Sancheti, V. (2018). Gaps in customer satisfaction with digital wallets: challenge for sustainability. Journal of Management Development, 37(6), 442–451. https://doi.org/10.1108/JMD-04-2017-0144
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Chawla, D., & Joshi, H. (2019). Consumer attitude and intention to adopt mobile wallet in India – An empirical study. International Journal of Bank Marketing, IJBM-09-2018-0256. https://doi.org/10.1108/IJBM-09-2018- 0256
Chen, Q., Chen, H. M., & Kazman, R. (2007). Investigating antecedents of technology acceptance of initial eCRM users beyond generation X and the role of self-construal. Electronic Commerce Research, 7(3–4), 315–339. https://doi.org/10.1007/s10660-007-9009-2
Chin, W. W. (1998). The partial least squares approach to structural equation modelling. In Marcoulides G. A. (Ed.). Modern Methods for Business Research, 295(2), 295–336.
CNBC. (2019). Daftar 10 Dompet Digital Terpopuler di RI, Siapa Jawaranya? Retrieved from https://www.cnbcindonesia.com/tech/20190815104730-37- 92151/daftar-10-dompet-digital-terpopuler-di-ri-siapa-jawaranya
Daeng, D. A. M. (2018). Plus Minus Uang Elektronik: Pilih E-Wallet atau Kartu E-Money? - Tirto.ID. Retrieved from https://tirto.id/plus-minus-uang- elektronik-pilih-e-wallet-atau-kartu-e-money-cCUz
Devita, V. D. (2019). Siapa Aplikasi E-wallet dengan Pengguna Terbanyak di Indonesia? Retrieved from https://iprice.co.id/trend/insights/e-wallet-terbaik- di-indonesia/
Diamantopoulos, A., & Siguaw, J. A. (2006). Formative versus reflective indicators in organizational measure development: A comparison and empirical illustration. British Journal of Management, 17(4), 263–282. https://doi.org/10.1111/j.1467-8551.2006.00500.x
Dong-Her, S., Hsiu-Sen, C., Chun-Yuan, C., & Lin, B. (2004). Internet security: Malicious e-mails detection and protection. Industrial Management and Data Systems, 104(7), 613–623. https://doi.org/10.1108/02635570410550278
Dr. Muhammad Yusran Anshar, Lc., M. A. (2019). Hukum Transaksi Menggunakan Go-Pay, Benarkah Mengandung Riba? Retrieved January 19, 2020, from https://bincangsyariah.com/kalam/hukum-transaksi- menggunakan-go-pay-benarkah-riba/
Duane, A., O’Reilly, P., & Andreev, P. (2014). Realising M-Payments: Modelling consumers’ willingness to M-pay using Smart Phones. Behaviour and Information Technology, 33(4), 318–334. https://doi.org/10.1080/0144929X.2012.745608
Eka, R. (2017). Tren Penggunaan Platform Pembayaran Digital di Kalangan Millennial. Retrieved November 12, 2019, from https://dailysocial.id/post/tren-penggunaan-platform-pembayaran-digital-di- kalangan-millennial
Flavián, C., & Guinalíu, M. (2006). Consumer trust, perceived security and privacy policy: Three basic elements of loyalty to a web site. Industrial Management & Data Systems, 106(5), 601–620. https://doi.org/10.1108/02635570610666403
Fornell, C., & Larcker, D. (1994). Structural equation models with unobservable variables and measurement error: Algebra and statistics. Journal of marketing research. Advances Methods of Marketing Research, 18(3), 382-388.
Gafeeva, R., Hoelzl, E., & Roschk, H. (2018). What else can your payment card do? Multifunctionality of payment modes can reduce payment transparency. Marketing Letters, 29(1), 61–72. https://doi.org/10.1007/s11002-017-9445-2
Gopay. (2019). GoPay Pay Day: Cashback 50% di Ratusan Rekan Usaha! Retrieved November 12, 2019, from https://www.gopaypayday.com/
Haldane, M. (2019). What Southeast Asia can learn from China e-wallets.
Retrieved from https://www.techinasia.com/ewallets-china-southeast-asia- learn
Henseler, J., Ringle, C. M., & Sarstedt, M. (2014). A new criterion for assessing discriminant validity in variance-based structural equation modeling. Journal of the Academy of Marketing Science, 43(1), 115–135. https://doi.org/10.1007/s11747-014-0403-8
Hong, S. J., Thong, J. Y. L., & Tam, K. Y. (2006). Understanding continued information technology usage behavior: A comparison of three models in the context of mobile internet. Decision Support Systems, 42(3), 1819–1834. https://doi.org/10.1016/j.dss.2006.03.009
Howe, N., & Nadler, R. (2012). WHY GENERATIONS MATTER : Ten Findings from LifeCourse Research on the Workforce.
Joseph F. Hair, J. (2017). A primer on partial least squares structural equation modeling (PLS-SEM). In International Journal of Research & Method in Education (Vol. 2). https://doi.org/10.1080/1743727x.2015.1005806
Juliandi, A. (2018). Membangun Model PLS di SmartPLS. 16–17. https://doi.org/10.5281/zenodo.2538001
Karimuddin, A. (2019). Go-Pay Resmi Menjadi Platform E-Money. Retrieved from https://dailysocial.id/post/go-pay-resmi-e-money
Krishanan, D., Khin, A. A., Teng, K. L. L., & Chinna, K. (2016). Consumers’ perceived interactivity and intention to use mobile banking in structural equation modeling. International Review of Management and Marketing, 6(4), 883–890.
Kumar, A., Adlakaha, A., & Mukherjee, K. (2018). The effect of perceived security and grievance redressal on continuance intention to use M-wallets in a developing country. International Journal of Bank Marketing, 36(7), 1170– 1189. https://doi.org/10.1108/IJBM-04-2017-0077
Kumar, V., Nim, N., & Sharma, A. (2018). Driving growth of Mwallets in emerging markets: a retailer’s perspective. Journal of the Academy of
Marketing Science, 747–769. https://doi.org/10.1007/s11747-018-0613-6
Kumar, V., Nim, N., & Sharma, A. (2019). Driving growth of Mwallets in emerging markets: a retailer’s perspective. Journal of the Academy of Marketing Science, 47(4), 747–769. https://doi.org/10.1007/s11747-018-
0613-6
Lee, T., & Jun, J. (2007). Contextual perceived value?: Investigating the role of contextual marketing for customer relationship management in a mobile commerce context. Business Process Management Journal, 13(6), 798–814. https://doi.org/10.1108/14637150710834569
Lloyd, A. D., Antonioletti, M., & Sloan, T. M. (2016). Able but not willing?
Exploring divides in digital versus physical payment use in China. Information Technology and People, 29(2), 250–279. https://doi.org/10.1108/ITP-10-2014-0243
Lu, J., Yao, J. E., & Yu, C. S. (2005). Personal innovativeness, social influences and adoption of wireless Internet services via mobile technology. Journal of Strategic Information Systems, 14(3), 245–268. https://doi.org/10.1016/j.jsis.2005.07.003
Madan, K., & Yadav, R. (2016). Behavioural intention to adopt mobile wallet: a developing country perspective. Journal of Indian Business Research, 8(3), 227–244. https://doi.org/10.1108/JIBR-10-2015-0112
Mannheim, K. (1952). The Problem of Generation: Essays on the Sociology of Knowledge. 24(19), 276–322.
Matemba, E. D., & Li, G. (2018a). Consumers’ willingness to adopt and use WeChat wallet: An empirical study in South Africa. Technology in Society, 53, 55–68. https://doi.org/10.1016/j.techsoc.2017.12.001
Matemba, E. D., & Li, G. (2018b). Consumers’ willingness to adopt and use WeChat wallet: An empirical study in South Africa. Technology in Society. https://doi.org/10.1016/j.techsoc.2017.12.001
Mohammadi, H. (2015). A study of mobile banking usage in Iran. International Journal of Bank Marketing, 33(6), 733–759.
Mondego, D., & Gide, E. (2018). the Effect of Trust on Mobile Payment Adoption: a Comprehensive Review of Literature. International Journal of Arts & Sciences, 11(1), 375–390.
Mun, Y. P., Khalid, H., & Nadarajah, D. (2017). Millennials’ Perception on Mobile Payment Services in Malaysia. Procedia Computer Science, 124, 397–404. https://doi.org/10.1016/j.procs.2017.12.170
Prashaant, A., & Sharma, N. (2015). Vodafone’s M-Pesa- A Mobile Wallet Revolution. FIIB Business Review, 4(2), 26–29. https://doi.org/10.1177/2455265820150204
Priambodo, S., & Prabawani, B. (2016). Pengaruh Persepsi Manfaat, Persepsi Kemudahan Penggunan, dan Persepsi Risiko Terhadap Minat Menggunakan Layanan Uang Elektronik. Jurnal Administrasi Bisnis (JAB), 5(2), 1–9.
Ramani, K. (2019). Top 10 Mobile Wallets in India | Best money Transfer App in india - 2019. Retrieved November 7, 2019, from https://www.socialbeat.in/blog/top-10-mobile-wallets-in-india/
Revels, J., Tojib, D., & Tsarenko, Y. (2010). Understanding consumer intention to use mobile services. Australasian Marketing Journal, 18(2), 74–80. https://doi.org/10.1016/j.ausmj.2010.02.002
Sarwono, J. (2014). Mengenal PLS SEM. 1–15.
Sekaran, U. (2017). RESEARCH METHODS FOR BUSINESS (6th ed.). New
York: John Wiley & Sons, Inc.
Sharma, S. K., Mangla, S. K., Luthra, S., & Al-Salti, Z. (2018). Mobile wallet inhibitors: Developing a comprehensive theory using an integrated model. Journal of Retailing and Consumer Services, 45(August), 52–63. https://doi.org/10.1016/j.jretconser.2018.08.008
Shin, D. H. (2009). Towards an understanding of the consumer acceptance of mobile wallet. Computers in Human Behavior, 25(6), 1343–1354. https://doi.org/10.1016/j.chb.2009.06.001
Singh, N., Sinha, N., & Liébana-Cabanillas, F. J. (2020a). Determining factors in the adoption and recommendation of mobile wallet services in India: Analysis of the effect of innovativeness, stress to use and social influence. International Journal of Information Management, 50(May 2019), 191–205. https://doi.org/10.1016/j.ijinfomgt.2019.05.022
Singh, N., Sinha, N., & Liébana-Cabanillas, F. J. (2020b). Determining factors in the adoption and recommendation of mobile wallet services in India: Analysis of the effect of innovativeness, stress to use and social influence. International Journal of Information Management. https://doi.org/10.1016/j.ijinfomgt.2019.05.022
Singh, N., Srivastava, S., & Sinha, N. (2017). Consumer preference and satisfaction of M-wallets: a study on North Indian consumers. International Journal of Bank Marketing, 35(6), 944–965. https://doi.org/10.1108/IJBM- 06-2016-0086
Sivathanu, B. (2019). Adoption of digital payment systems in the era of demonetization in India: An empirical study. Journal of Science and Technology Policy Management, 10(1), 143–171. https://doi.org/10.1108/JSTPM-07-2017-0033
Söllner, M., Hoffmann, A., & Leimeister, J. M. (2016). Why different trust relationships matter for information systems users. European Journal of Information Systems, 25(3), 274–287. https://doi.org/10.1057/ejis.2015.17
Sugiyono. (2017). Metode Penelitian Kuantitatif, Kualitatif dan R&D. Bandung: Alfabeta.
Ummah, A. (2019). Alasan GoPay, OVO & DANA Senang Bakar Uang.
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2020-10-13
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Rembulan, N. D. R., & Firmansyah, E. A. (2020). Perilaku Konsumen Muslim Generasi-Z Dalam Pengadopsian Dompet Digital. Valid: Jurnal Ilmiah, 17(2), 111–128. Retrieved from https://journal.stieamm.ac.id/valid/article/view/144
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