Stimulant Analysis of Millennial Generation's Behavioral Intentions in Using E-Wallet
Keywords:
Kemudahan Penggunaan yang Dirasakan, Kegunaan yang Dirasakan, Kepercayaan, Pengaruh Sosial, Niat PerilakuAbstract
Latar belakang: Kemajuan teknologi yang dipicu oleh revolusi internet telah mengubah citra industri jasa keuangan, sehingga terjadi modifikasi pada laya nan keuangan elektronik. Perubahan layanan ini dapat dilihat pada hampir semua bentuk layanan keuangan, seperti perbankan, asuransi, dan perdagangan saham,yang dilakukan dengan menggunakan media elektronik, seperti layanan E-wallet.Tujuan: Tujuan utama dari penelitian ini adalah untuk mengetahui perilaku generasi Milenial untuk aplikasi dompet digital dalam hal persepsi kemudahan penggunaan, persepsi kegunaan, kepercayaan, pengaruh sosial.
Metode: Penelitian ini menggunakan metode kuantitatif dengan menggunakan survei eksploratif dan kuesioner online, serta desain studi literatur dan penelitian lapangan. Untuk analisis data, penelitian ini menggunakan aplikasi Smart PLS dengan berorientasi pada pendekatan PLS-SEM. Pengumpulan data menggunakan non-probability sampling dengan pendekatan purposive sampling, dengan jumlah sampel 146 responden untuk penelitian ini.
Hasil: Penelitian ini memberikan informasi tentang perilaku penggunaan aplikasi dompet digital yang secara signifikan dipengaruhi oleh persepsi kemudahan penggunaan, kepercayaan, dan pengaruh sosial. Selanjutnya, faktor Perceived Usefulness tidak berpengaruh signifikan terhadap perilaku penggunaan aplikasi dompet digital.
Kesimpulan: Temuan ini menyoroti pentingnya kepercayaan sebagai motivator bagi pelanggan saat memanfaatkan aplikasi E-Wallet. Lebih disukai untuk memperluas jumlah sampel penelitian untuk menggeneralisasi temuan dengan tepat, serta memasukkan faktor-faktor penelitian yang diyakini mempengaruhi niat perilaku untuk menggunakan. Penelitian ini akan melihat pengaruh persepsi kemudahan penggunaan, persepsi utilitas, kepercayaan, dan pengaruh sosial terhadap perilaku Generasi Milenial dalam menggunakan dompet digital.
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