Analisis Technology Acceptance Model Terhadap Niat Perilaku Penggunaan Financial Technology (studi Kasus Pada Pengguna Go-pay Di Kota Bandung)

Abstract

Abstrak Kemajuan dan penemuan-penemuan baru di bidang teknologi informasi pada saat ini telah mengubah gaya hidup masyarakat menjadi lebih cepat dan praktis dalam menjalankan aktivitasnya. Salah satu gaya hidup yang berubah adalah dalam bidang keuangan dengan munculnya financial technology. Pada penelitian ini, produk financial technology yang akan dibahas adalah GO-PAY. Penelitian ini menggunakan metode kuantitatif. Metode pengumpulan data pada penelitian ini dilakukan melalui penyebaran kuesioner terhadap 400 responden pengguna GO-PAY di Kota Bandung. Model penelitian ini menggunakan dasar Technology Acceptance Model (TAM) dengan variabel perceived usefulness, perceived ease to use, attitude toward use, dan behavioral intention to use. Hasil dari penelitian ini yaitu perceived usefulness berpengaruh positif dan signifikan terhadap attitude toward use, perceived ease to use berpengaruh positif dan signifikan terhadap attitude toward use, perceived usefulness berpengaruh positif dan signifikan terhadap behavioral intention to use, attitude toward use berpengaruh positif dan signifikan terhadap behavioral intention to use, perceived usefulness berpengaruh positif dan signifikan terhadap behavioral intention to use melalui attitude toward use, perceived ease to use berpengaruh positif dan signifikan terhadap behavioral intention to use, perceived ease to use berpengaruh positif dan signifikan terhadap behavioral intention to use melalui attitude toward use, perceived usefulness dan perceived ease to use secara simultan berpengaruh positif dan signifikan terhadap behavioral intention to use, perceived usefulness dan perceived ease to use secara simultan berpengaruh positif dan signifikan terhadap attitude toward use, serta perceived usefulness dan perceived ease to use secara simultan berpengaruh positif dan signifikan terhadap behavioral intention to use melalui attitude toward use sebagai variabel intervening. Hasil Penelitian ini menemukan beberapa item pada faktor kemudahan penggunaan dan kebermanfaatan GO-PAY yang masih rendah, diharapkan perusahaan GO-JEK dapat mengevaluasi hal tersebut. Kata kunci: technology acceptance model; financial technology; go-pay Abstract New discoveries in the field of information technology have changed people's lifestyles to be faster and more practical in carrying out their activities. One of lifestyle that is changing is in the field of finance with the advent of financial technology. In this study, the financial technology product that will be discussed is GO-PAY.This research uses quantitative methods. The data collection method in this study was carried out through questionnaires to 400 GO-PAY respondents in the city of Bandung. This research model uses the basic Technology Acceptance Model (TAM) with variables of perceived usefulness, perceived ease to use, attitude toward use, and behavioral intention to use. The results of this study are perceived usefulness has a positive and significant effect on attitude toward use, perceived ease to use has a positive and significant effect on attitude toward use, perceived usefulness has a positive and significant effect on behavioral intention to use, attitude toward use has a positive and significant effect on behavior intention to use, perceived usefulness has a positive and significant effect on behavioral intention to use through attitude toward use, perceived ease to use has a positive and significant effect on behavioral intention to use, perceived ease to use has a positive and significant effect on behavioral intention to use through attitude toward use, perceived usefulness and perceived ease to use simultaneously have a positive and significant effect on behavioral intention to use, perceived usefulness and perceived ease to use simultaneously have a positive and significant effect on attitude toward use, and perceived usefulness and perceived ease to use simultaneously have a positive and significant effect on behavioral intention to use through attitude toward use as an intervening variable. The results of this study found several items on the factor of ease to use and usefulness of GO-PAY which is still low, it is expected that GO-JEK companies can evaluate this. Keywords: technology acceptance model; financial technology; go-pay