Pengaruh Performance Expectancy, Effort Expectancy, Social Influence, Perceived Risk, Perceived Cost Terhadap Behavioral Intention Pada Pengguna Dompet Digital Dana Di Indonesia

Abstract

ABSTRAK Berkembangnya zaman di era digital menurut peraturan Bank Indonesia perkembangan teknologi dan sistem informasi terus melahirkan berbagai inovasi khususnya financial technology dalam rangka memenuhi kebutuhan masyarakat, termasuk di bidang jasa sistem pembayaran, baik dari sisi instrumen, penyelenggara, mekanisme, maupun infrastruktur penyelenggaraan proses transaksi pembayaran, saat ini PT Espay Debit Indonesia Koe atau lebih dikenal dengan Dompet Digital Dana yang merupakan platfrom pembayaran digital digunakan oleh berbagai aplikasi, gerai-gerai online dan konvensional dimanapun. Untuk mengetahui pengaruh performance experctancy, effort expectancy, social influence, perceived risk, perceived cost terhadap behavioral intention pada pengguna Dompet Digital Dana di Indonesia adalah tujuan dari penelitian ini. Metode yang digunakan dalam penelitian ini adalah metode kuantitatif dengan jenis penelitian yang digunakan adalah deskriptif, skala pengukuran yang digunakan adalah skalah likert. Populasi penelitian ini adalah pengguna aplikasi Dana di Indonesia menggunakan teknik sampling non probability. Metode analisis data yang digunakan dalam penelitian ini adalah Structural Equation Modeling (SEM). Pengolahan data dilakukan dengan menggunakan SmartPLS. Hasil dari penelitian ini menjurus pada tanggapan responden mengenai variabel performance expectancy, effort expectancy, perceived cost masuk dalam kategori Baik, variabel social influenced dan perceived risk masuk dalam kategori Cukup Baik, serta hasil dari analisis SEM-PLS adalah perceived cost, effort expectancy, social influence, perceived risk, perceived cost memiliki pengaruh signifikasn terhadap behavioral intention. Kata Kunci: Behavioral intention, Performance Expectancy, Effort Expectancy, Social Influence, Perceived Risk, Perceived Cost. ABSTRACT The digital era according to Bank Indonesia regulations the development of technology and information systems continues to give birth to various innovations, especially financial technology in order to meet the needs of the community, including in the field of payment system services, both in terms of instruments, providers, and infrastructure for implementing payment transaction processing. PT. Espay Debit Indonesia Koe or more known as Dompet Digital Dana which is a digital payment platform used by various applications, online and conventional outlets anywhere. This study aims to determine how much influence the performance of expectancy, effort expectancy, social influence, perceived risk and perceived cost of the behavioral intention of Dompet Digital Dana users in Indonesia. The method used in this study is a quantitative method with the typed of research used is descriptive, the measurement scale used is a Likert scale. The study population was Dana application users in Indonesia used technique nonprobability sampling. The data analysis method used in this study is Structural Equation Modeling (SEM). Data processing is performed using SmartPLS. The results of this study, respondents responses regarding performance expectancy variables, effort expectancy variables, and the perceived cost variables are in the good category, social influences variables and perceived risk variables is in the quite good category and SEM-PLS analysis results that perceived cost, effort expectancy, social influence, perceived risk, perceived cost have a significant influence on behavioral intention. Keywords: Behavioral intention, Performance Expectancy, Effort Expectancy, Social Influence, Perceived Risk, Perceived Cost.