Anteseden Intensitas Penggunaan Layanan E-Wallet dan Dampaknya Terhadap Spending Behavior pada Generasi Millenial

  • Simon Hendrik Leasa Universitas Pattimura
  • Steven Siaila Universitas Pattimura
  • Stenly Ferdinandus Universitas Pattimura
DOI: https://doi.org/10.51135/PublicPolicy.v4.i2.p521-535
Keywords: Perceived Ease of Use, Perceived Usefulness, Perceived Credibility, Behavioral Intention to Use, E-Wallet, Spending Behavior

Abstract

This study aims to determine the effect of perceived ease of use, perceived usefulness and perceived credibility on the behavior of the intention to use e-wallet services and their impact on the spending behavior of the millennial generation in Ambon city. Respondents in this study were millennials who live in Ambon with a research sample of 100 respondents. This type of research is associative and the data source uses primary data. The data collection technique uses a questionnaire through the Google form. The collected data were then analyzed using the Partial Least Square (PLS) method with SmartPLS 3.0 software. The results of the study show that the shopping behavior of respondents in Ambon is influenced by the intensity of the intention to use e-wallet services. However, other findings show that perceived ease of use has a significant effect and perceived usefulness and perceived credibility do not have a significant effect on the intention to use e-wallet services. Then the limitations in this study are that the respondents who are involved are only the millennial generation. For this reason, it is hoped that further research can add other variables and add respondents from other generations.

Downloads

Download data is not yet available.

References

Daştan, İ., & Gürler, C. (2016). Factors Affecting the Adoption of Mobile Payment Systems: An Empirical Analysis. EMAJ: Emerging Markets Journal, 6(1), 17–24. https://doi.org/10.5195/emaj.2016.95

Fraenkel, J. R., & Wallen, N. E. (2009). How to Design and Evaluate Research in Education. In M. Ryan (Ed.), Angewandte Chemie International Edition, 6(11), 951–952. (seventh). Mejia, Beth.

Ibnu. (2021). Mobile Payment: Pengertian dan Tren Mobile Payment di Indonesia. Accurate.Id. https://accurate.id/ekonomi-keuangan/mobile-payment/

Jeong, B. K., & Yoon, T. E. (2013). An Empirical Investigation on Consumer Acceptance of Mobile Banking Services. Business and Management Research, 2(1), 31–40. https://doi.org/10.5430/bmr.v2n1p31

Kusnawan, A., Diana, S., Andy, A., & Tjong, S. (2019). Pengaruh Diskon pada Aplikasi e-Wallet terhadap Pertumbuhan Minat Pembelian Impulsif Konsumen Milenial di Wilayah Tangerang. Sains Manajemen, 5(2). https://doi.org/10.30656/sm.v5i2.1861

Lubis, R. H. (2022). Penggunaan Dompet Digital dan Wallet Terhadap Budaya Konsumtif pada Masyarakat di Kota Tangerang Serta Pandangan Syariah Tentang Etika Konsumsi. 2(01), 1–10.

Lwoga, E. T., & Lwoga, N. B. (2017). User Acceptance of Mobile Payment: The Effects of User-Centric Security, System Characteristics and Gender. Electronic Journal of Information Systems in Developing Countries, 81(1), 1–24. https://doi.org/10.1002/j.1681-4835.2017.tb00595.x

Maida, S. T. (2019). Pengaruh E-Money Terhadap Budaya Belanja Individu. Penelitian Komunikasi, 1, 180–189.

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

Nina Septiani, & Rita, M. R. (2021). Melek Finansial dan Spending Habits Berdasarkan Jenis Kelamin (Studi Empiris pada Mahasiswa/i di FEB UKSW). 2009, 2021.

Novitasari, C. (2021). Pengertian Technology Acceptance Model (Tam) – Pelajarindo. 17 October 2021. https://pelajarindo.com/pengertian-technology-acceptance-model-tam/#:~:text=Pengertian Technology Acceptance Model %28Tam%29 Pengertian Technology Acceptance,perilaku user terhadap aplikasi yang di buat perusahaan.

Putritama, A. (2019). The Mobile Payment Fintech Continuance Usage Intention in Indonesia. Jurnal Economia, 15(2), 243–258. https://doi.org/10.21831/economia.v15i2.26403

See-To, E. W. K., & Ngai, E. W. T. (2019). An Empirical Study of Payment Technologies, the Psychology of Consumption, and Spending Behavior in a Retailing Context. Information and Management, 56(3), 329–342. https://doi.org/10.1016/j.im.2018.07.007

Sheaves, S. (1982). Personal finance. In The Canadian Dental Hygienist (Vol. 16, Issue 1). https://doi.org/10.4324/9781315642376-20

Wahyu, A. (2021). 5 Bentuk Keamanan pada E-Commerce. Starsaving.

Published
2023-08-21
How to Cite
Leasa, S., Siaila, S., & Ferdinandus, S. (2023). Anteseden Intensitas Penggunaan Layanan E-Wallet dan Dampaknya Terhadap Spending Behavior pada Generasi Millenial. PUBLIC POLICY; Jurnal Aplikasi Kebijakan Publik Dan Bisnis, 4(2), 521-535. https://doi.org/10.51135/PublicPolicy.v4.i2.p521-535
Issue
Vol 4 No 2 (2023): Public Policy; Jurnal Aplikasi Kebijakan Publik dan Bisnis
Section
Articles

Copyright (c) 2023 PUBLIC POLICY; Jurnal Aplikasi Kebijakan Publik dan Bisnis

Creative Commons License

This work is licensed under a Creative Commons Attribution-ShareAlike 4.0 International License.

Penulis yang naskahnya diterbitkan harus menyetujui ketentuan sebagai berikut;

  1. Hak publikasi atas semua materi naskah yang diterbitkan dipegang oleh dewan penyunting dengan sepengatahuan penulis.
  2. Ketentuan legal formal untuk akses digital Jurnal Public Policy tunduk pada ketentuan lisensi Creative Commons Attribution Sharealike (CC BY SA) yang berarti Jurnal Public Policy berhak menyimpan, mengalih media/mengformatkan, mengelola dalam bentuk pangkalan data (database), merawat dan mempublikasikan naskah tanpa meminta ijin dari penulis selama tetap mencantumkan nama penulis sebagai pemilik hak cipta.
  3. Naskah yang dipublikasikan bersifat open access untuk tujuan penyebarluasan hasil penelitian. Selain tujuan tersebut, dewan penyunting tidak bertanggung jawab atas pelanggaran terhadap hukum hak cipta.