PENGARUH KEGUNAAN YANG DIRASAKAN, PENGARUH SOSIAL DAN KEAMANAN YANG DIRASAKAN TERHADAP NIAT UNTUK MENGADOPSI BRImo
Abstract
The development of technology and information is currently experiencing very rapid progress in various sectors, including the financial sector, especially banking. One form of technological development in the financial sector is the emergence of financial technology (fintech). This study aims to analyze the influence of perceived usefulness, social influence and perceived security on customer intentions to adopt BRImo using the Technology Acceptance Model (TAM) theory. The research method used is a quantitative survey with the Structural Equation Modeling-Partial Least Square (SEM-PLS) approach. Data were collected by distributing questionnaires using Google Form to 100 respondents who are users of the BRImo application. The results of this study indicate that social influence and perceived security influence have a significant influence on the intention to adopt BRImo, while perceived usefulness does not have a significant effect on the intention to adopt BRImo. By knowing the factors that influence adoption, banking and fintech companies are expected to continue to innovate in order to be able to create services that are safer, easier to use, and accepted by the wider community, so that they can increase the adoption of BRImo for both new and existing users.
References
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Davis, F. D. (1989). Perceived Usefulness, Perceived Ease of Use, and User Acceptance of Information Technology. MIS Quarterly, 3(3), 319–340.
Davis, F. D., Bagozzi, P. R., & Warshaw. (1989). User acceptance of computertechnology: A comparison of two theoretical models. Management Sci, 35(8), 982–1002.
Dowpiset, K., & Nuangjamnong, C. (2021). An Investigation of Factors Affecting Intention to Comply Thailand PDPA with E-Services in Private University towards Social Media. International Journal of Economics & Business Administration (IJEBA), 2(1), 21–30.
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Gupta, P. (2021). Impact of Perceived Security and Perceived Trust on Intention to Use Digital Payments -A Study on Indian Customers. Webology, 18(6), 1–12.
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Maulana, S., Khasanah, I., & Yusuf, A. (2023). Analisis Penerimaan Pengguna terhadap Financial Technology Bareksa Menggunakan Model UTAUT. Jurnal Maksipreneur: Manajemen, Koperasi, Dan Entrepreneurship, 12(2), 527–545.
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Novika, F., Halim, R. D., & Setyawan, A. B. (2021). The Effect Of Technological And Behavioral On The Adoption Of The Shopeepay Mobile Payment. Journal of Entrepreneur & Business, 2(2), 106–120.
Ogbanufe, O., & Kim, D. J. (2017). Comparing fingerprint-based biometrics authentication versus traditional authentication methods for e-payment. Decision Support Systems, 1(2), 106–110.
Oliver, A. (2020). Strategi Diskon: Ketika Bisnis Memotong Harga Untuk Tingkatkan Penjualan. GlintsBlog.
Raditya, V. R., Primasari, D., & Widianingsih, R. (2022). Analisis Penggunaan Teknologi Aplikasi Akuntansi Pada Usaha Kecil Dan Menengah (Ukm) Di Kabupaten Banyumas Melalui Pendekatan Technology Acceptance Model (Tam). Jurnal Riset Akuntansi Soedirman (JRAS), 1(1), 1–13.
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Ramli, Y., & Rahmawati, M. (2020). The Effect of Perceived Ease of Use and Perceived Usefulness that Influence Customer’s Intention to Use Mobile Banking Application.
Rekarti, E., & Hertina, L. (2014). Beberapa faktor yang berpengaruh terhadap minat beli online pada situs jual beli tokobagus.com. Jurnal Ilmu Ekonomi Dan Sosial, 2(3), 311–318.
Riyanto, G. P. (2024). Pengguna Internet Indonesia Tembus 221 Juta, Didominasi Gen Z. Tekno.Kompas.Com. https://tekno.kompas.com/read/2024/02/01/09300027/pengguna-internet-indonesia-tembus-221-juta-didominasi-gen-z
Robbins, Stephen, P., & Timothy, A. (2012). Organizational Behavior. Pearson Education Limited.
Slade, E. L., Dwivedi, Y. K., Piercy, N. C., & Williams, M. D. (2015). Modeling Consumers’ Adoption Intentions of Remote Mobile Payments in the United Kingdom: Extending UTAUT with Innovativeness, Risk, and Trust. Psychology and Marketing, 32(8), 860–870.
Sulmi, A. A. K., & Kara, M. (2021). Pengaruh Persepsi Kegunaan, Kemudahan, dan Keamanan Terhadap Minat Menggunakan Layanan Mobile Banking (Studi Empiris Pada Mahasiswa Fakultas Ekonomi Dan Bisnis Islam Uin Alauddin Makassar). Islamic Banking, Economic and Financial Journal, 1(2), 59–73.
Taherdoost, H. (2018). A Review of Technology Acceptance and Adoption Models and Theories. Procedia Manufacturing, 2(2), 960–967. https://doi.org/10.1016/j.promfg.2018.03.137
Tang, Y., Li, Z., Chen, J., & C, D. (2021). Liquidity creation cyclicality, capital regulation and interbank credit: Evidence from Chinese commercial banks. Pac.-Basin Finance J, 1(1), 1–13.
Tseng, J. T., Han, H. L., Su, Y. H., & Fan, Y. . (2018). The Influence of Intention to Use the Mobile Banking-The Privacy Mechanism Perspective. Journal of Management Research, 9(1), 117–137.
Tun-Pin, C., Keng-Soon, W. C., Yen-San, Y., Pui-Yee, C., Hong-Leong, J. T., & Shwu-Shing, N. (2019). Malaysia, An Adoption Of Fintech Service In. South East Asia Journal of Contemporary Business, Economics and Law, 18(5), 1–12.
Vahdat, A., Alizadeh, A., & Quach, S. (2020). Would you like to Shop via Mobile App Technology? The Technology Acceptance Model, Social Factors and Purchase Intention. Australasian Marketing Journal (AMJ), 29(2), 1–12. https://doi.org/10.1016/j.ausmj.2020.01.002
Venkatesh, V., Morris, M. G., Davis, G. B., & Davis, F. D. (2003). User Acceptance of Information Technology: Toward a Unified View. MIS Quarterly, 27(3), 425–478.
Venkatesh, V., Thong, J. Y. L., & Xu, X. (2016). Unified Theory of Acceptance and Use of Technology: A Synthesis and the Road Ahead. Journal of the Association for Information Systems, 17(5), 328–376.
Widianto, K. (2015). Kajian Penggunaan Software Zahir Accounting dengan Pendekatan Technology Acceptance Model. Jurnal Khatulistiwa Informatika, 3(1), 37–47.
Wonglimpiyarat, J. (2017). FinTech banking industry: a systemic approach. Foresight, 19(6), 550–560.
Zulkarnaen, W., Fitriani, I., & Yuningsih, N. (2020). Pengembangan Supply Chain Management Dalam Pengelolaan Distribusi Logistik Pemilu Yang Lebih Tepat Jenis, Tepat Jumlah Dan Tepat Waktu Berbasis Human Resources Competency Development Di KPU Jawa Barat. Jurnal Ilmiah MEA (Manajemen, Ekonomi, & Akuntansi), 4(2), 222-243. https://doi.org/10.31955/mea.vol4.iss2.pp222-243.
Amstrong, G., & Philip, K. (2012). Dasar-Dasar Pemasaran (1st ed.). Jakarta: Penerbit Prenhalindo.
Apriani, R. G. (2023). Pengaru h Persepsi Kemudahan, Persepsi Manfaat Yang Dirasakan, Dan Kepercayaan Terhadap Niat Menggunakan Mobile Banking (Studi Pada Mahasiswa Rumpun Ilmu Akuntansi Fakultas Ekonomi Universitas Negeri Jakarta). Universitas Negeri Jakarta.
Baker, H., Kaddumi, T. A., Nassar, M. D., & Muqattash, R. S. (2023). Dampak Financial Technology terhadap peningkatan kinerja keuangan bank. Jurnal Risiko Dan Manajemen Keuangan, 16(4), 230–240.
Chuang, Lui, & Kao. (2016). The Adoption Of Fintech Service: TAM Perspective. International Journal of Bank Marketing, 13(1), 1–13.
Damayanti, T. H. (2023). Peranan Finansial Teknologi, Perilaku Keuangan Terhadap Ketahanan Keuangan Mahasiswa Fakultas Ekonomi Dan Bisnis UNTAG Surabaya. Jurnal Riset Manajemen Dan Ekonomi (Jrime), 1(3), 268–81.
Davis, F. . (1986). A Technology acceptance model for empirically testing new-end user information systems: Theory and Result. Sloan: Sloan School of Management, Massachusetss Institur of Technology (MIT).
Davis, F. D. (1989). Perceived Usefulness, Perceived Ease of Use, and User Acceptance of Information Technology. MIS Quarterly, 3(3), 319–340.
Davis, F. D., Bagozzi, P. R., & Warshaw. (1989). User acceptance of computertechnology: A comparison of two theoretical models. Management Sci, 35(8), 982–1002.
Dowpiset, K., & Nuangjamnong, C. (2021). An Investigation of Factors Affecting Intention to Comply Thailand PDPA with E-Services in Private University towards Social Media. International Journal of Economics & Business Administration (IJEBA), 2(1), 21–30.
Fauziah. (2021). Pengaruh Faktor-Faktor Internal dan Eksternal Nasabah Terhadap Penggunaan BRImo (BRI Mobile Banking) di Bank BRI Unit Tanggul Kulon.
Gupta, P. (2021). Impact of Perceived Security and Perceived Trust on Intention to Use Digital Payments -A Study on Indian Customers. Webology, 18(6), 1–12.
Hasibuan, M. (2020). Manajemen Sumber Daya Manusia. Jakarta: Bumi Aksara.
Judijanto, L., Destiana, R., & Sudarmanto, E. (2024). Analisis Pengaruh Adopsi Teknologi Finansial, Kepercayaan Nasabah, dan Regulasi Terhadap Penggunaan Layanan Keuangan Digital. Jurnal Akuntansi Dan Keuangan West Science, 3(1), 20–28.
Khalilzadeh, J., Ozturk, A. B., & Bilgihan, A. (2017). Security-related factors in extended UTAUT model for NFC based mobile payment in the restaurant industry. Computers in Human Behavior, 7(2), 460–474. https://doi.org/10.1016/j.chb.2017.01.001%0D
Koenig-Lewis, N., Marquet, M., Palmer, A., & Zhao, A. L. (2015). Enjoyment and social influence: predicting mobile payment adoption. The Service Industries Journal, Taylor & Francis Journals, 35(10), 537–554.
Maulana, S., Khasanah, I., & Yusuf, A. (2023). Analisis Penerimaan Pengguna terhadap Financial Technology Bareksa Menggunakan Model UTAUT. Jurnal Maksipreneur: Manajemen, Koperasi, Dan Entrepreneurship, 12(2), 527–545.
Mayer, R. C., Davis, J. H., & Schoorman, F. D. (1995). An Integrative Model of Organizational Trust. The Academy of Management Review, 20(3), 1–12.
Novika, F., Halim, R. D., & Setyawan, A. B. (2021). The Effect Of Technological And Behavioral On The Adoption Of The Shopeepay Mobile Payment. Journal of Entrepreneur & Business, 2(2), 106–120.
Ogbanufe, O., & Kim, D. J. (2017). Comparing fingerprint-based biometrics authentication versus traditional authentication methods for e-payment. Decision Support Systems, 1(2), 106–110.
Oliver, A. (2020). Strategi Diskon: Ketika Bisnis Memotong Harga Untuk Tingkatkan Penjualan. GlintsBlog.
Raditya, V. R., Primasari, D., & Widianingsih, R. (2022). Analisis Penggunaan Teknologi Aplikasi Akuntansi Pada Usaha Kecil Dan Menengah (Ukm) Di Kabupaten Banyumas Melalui Pendekatan Technology Acceptance Model (Tam). Jurnal Riset Akuntansi Soedirman (JRAS), 1(1), 1–13.
Rahadi, R. A., Nainggolan, Y., & Afgani, K. fajar. (2022). International Journal of Data and Network Science Towards a cashless society: Use of electronic payment devices among generation Z. International Journal of Data and Network Science, 6(1), 137–146.
Ramli, Y., & Rahmawati, M. (2020). The Effect of Perceived Ease of Use and Perceived Usefulness that Influence Customer’s Intention to Use Mobile Banking Application.
Rekarti, E., & Hertina, L. (2014). Beberapa faktor yang berpengaruh terhadap minat beli online pada situs jual beli tokobagus.com. Jurnal Ilmu Ekonomi Dan Sosial, 2(3), 311–318.
Riyanto, G. P. (2024). Pengguna Internet Indonesia Tembus 221 Juta, Didominasi Gen Z. Tekno.Kompas.Com. https://tekno.kompas.com/read/2024/02/01/09300027/pengguna-internet-indonesia-tembus-221-juta-didominasi-gen-z
Robbins, Stephen, P., & Timothy, A. (2012). Organizational Behavior. Pearson Education Limited.
Slade, E. L., Dwivedi, Y. K., Piercy, N. C., & Williams, M. D. (2015). Modeling Consumers’ Adoption Intentions of Remote Mobile Payments in the United Kingdom: Extending UTAUT with Innovativeness, Risk, and Trust. Psychology and Marketing, 32(8), 860–870.
Sulmi, A. A. K., & Kara, M. (2021). Pengaruh Persepsi Kegunaan, Kemudahan, dan Keamanan Terhadap Minat Menggunakan Layanan Mobile Banking (Studi Empiris Pada Mahasiswa Fakultas Ekonomi Dan Bisnis Islam Uin Alauddin Makassar). Islamic Banking, Economic and Financial Journal, 1(2), 59–73.
Taherdoost, H. (2018). A Review of Technology Acceptance and Adoption Models and Theories. Procedia Manufacturing, 2(2), 960–967. https://doi.org/10.1016/j.promfg.2018.03.137
Tang, Y., Li, Z., Chen, J., & C, D. (2021). Liquidity creation cyclicality, capital regulation and interbank credit: Evidence from Chinese commercial banks. Pac.-Basin Finance J, 1(1), 1–13.
Tseng, J. T., Han, H. L., Su, Y. H., & Fan, Y. . (2018). The Influence of Intention to Use the Mobile Banking-The Privacy Mechanism Perspective. Journal of Management Research, 9(1), 117–137.
Tun-Pin, C., Keng-Soon, W. C., Yen-San, Y., Pui-Yee, C., Hong-Leong, J. T., & Shwu-Shing, N. (2019). Malaysia, An Adoption Of Fintech Service In. South East Asia Journal of Contemporary Business, Economics and Law, 18(5), 1–12.
Vahdat, A., Alizadeh, A., & Quach, S. (2020). Would you like to Shop via Mobile App Technology? The Technology Acceptance Model, Social Factors and Purchase Intention. Australasian Marketing Journal (AMJ), 29(2), 1–12. https://doi.org/10.1016/j.ausmj.2020.01.002
Venkatesh, V., Morris, M. G., Davis, G. B., & Davis, F. D. (2003). User Acceptance of Information Technology: Toward a Unified View. MIS Quarterly, 27(3), 425–478.
Venkatesh, V., Thong, J. Y. L., & Xu, X. (2016). Unified Theory of Acceptance and Use of Technology: A Synthesis and the Road Ahead. Journal of the Association for Information Systems, 17(5), 328–376.
Widianto, K. (2015). Kajian Penggunaan Software Zahir Accounting dengan Pendekatan Technology Acceptance Model. Jurnal Khatulistiwa Informatika, 3(1), 37–47.
Wonglimpiyarat, J. (2017). FinTech banking industry: a systemic approach. Foresight, 19(6), 550–560.
Zulkarnaen, W., Fitriani, I., & Yuningsih, N. (2020). Pengembangan Supply Chain Management Dalam Pengelolaan Distribusi Logistik Pemilu Yang Lebih Tepat Jenis, Tepat Jumlah Dan Tepat Waktu Berbasis Human Resources Competency Development Di KPU Jawa Barat. Jurnal Ilmiah MEA (Manajemen, Ekonomi, & Akuntansi), 4(2), 222-243. https://doi.org/10.31955/mea.vol4.iss2.pp222-243.
Published
2025-01-24
How to Cite
Sulfaeka, S., Maksar, M., & Swastika, Y. (2025). PENGARUH KEGUNAAN YANG DIRASAKAN, PENGARUH SOSIAL DAN KEAMANAN YANG DIRASAKAN TERHADAP NIAT UNTUK MENGADOPSI BRImo. Jurnal Ilmiah Manajemen, Ekonomi, & Akuntansi (MEA), 9(1), 394-410. https://doi.org/10.31955/mea.v9i1.4912
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