ADOPTION OF THE TECHNOLOGY ACCEPTANCE MODEL (TAM) IN LINKAJA SYARIAH INDONESIA DIGITAL PAYMENT SERVICE
DOI:
https://doi.org/10.25299/jtb.2024.vol7(1).16554Keywords:
Technology Acceptance Model, LinkAja, Pembayaran Digital, Layanan syariahAbstract
Kehadiran layanan teknologi finansial dan inovasi produk layanan digital telah menjadi revolusi industri dan persaingan global dalam memajukan industri keuangan berbasis teknologi, namun pemenuhan layanan teknologi finansial belum mampu memenuhi nilai-nilai kepatuhan syariah. Penelitian ini menguji pengaruh persepsi kemudahan penggunaan terhadap persepsi kebermanfaatan penggunaan, niat perilaku untuk menggunakan, dan penggunaan sistem secara aktual pada pengguna layanan LinkAja Syariah di Kota Surakarta. Penelitian ini menggunakan metode kuantitatif dengan populasi masyarakat Kota Surakarta dengan mengambil sampel sebanyak 100 responden. Analisis data dilakukan dengan menggunakan Partial Least Squares Structural Equation Model dengan Smart-PLS3. Penelitian membuktikan bahwa persepsi kemudahan penggunaan berpengaruh signifikan terhadap persepsi kemanfaatan pembayaran digital pada layanan LinkAja Syariah. Persepsi Kemanfaatan dan Kemudahan Penggunaan berpengaruh signifikan terhadap Niat Perilaku untuk menggunakan LinkAja Syariah. Niat perilaku untuk menggunakan dan kemudahan penggunaan berpengaruh signifikan terhadap penggunaan sistem aktual LinkAja Syariah. Persepsi Kebermanfaatan tidak berpengaruh terhadap sistem aktual penggunaan LinkAja Syariah.
Downloads
References
Ahmad, Afrizal. 2014. Reformulasi Konsep Maqashid Syar’iah: Memahami Kembali Tujuan Syari’at Islam dengan Pendekatan Psikologi. Hukum Islam, XIV(1), p. 45–63.
Ajzen, Icak. 1991. The Theory of Planned Behavior. Organizational Behavior and Human Decision Processes, 50(2), p. 179–211. DOI: https://doi.org/10.1016/0749-5978(91)90020-T
Alam, Nafis., Gupta, Lokesh., & Zameni, Abdolhossein. 2019. Fintech and Islamic Finance. Palgrave Macmillan. Springer International Publishing. DOI: https://doi.org/10.1007/978-3-030-24666-2
Aljabbaru, Ihza Hafizh., & Sari, Devilia. 2020. Analisis Penggunaan Mobile Payment LinkAja Dengan Menggunakan Model Unified Theory of Acceptance and Use of Technology (Utaut). e-Proceeding of Management, 7(1), p. 1151-1163.
Arslanian, Henri., & Fischer, Fabrice. 2019. The Future of Finance. Springer International Publishing.
Bagozzi, Richard P. 2007. The Legacy Of The Technology Acceptance Model And A Proposal For A Paradigm Shift. Journal of the Association for Information Systems, 8(4), p. 244–254. DOI: https://doi.org/10.17705/1jais.00122
Budiastuti, Angela Deananda Putri., & Muid, Dul. 2020. Analisis Faktor-Faktor Pengaruh Minat Penggunaan Pada Aplikasi Shopee dengan Menggunakan Technology Acceptance Model (TAM). Diponegoro Journal of Accounting, 9(4), p. 1–10.
Byrne, Barbara M. 2016. Structural Equation Modeling With AMOS. Routledge. New York. DOI: https://doi.org/10.4324/9781315757421
Chauhan, Sumedha. 2015. Acceptance of Mobile Money By Poor Citizens Of India: Integrating Trust Into The Technology Acceptance Model. Info, 17(3), p. 58–68. DOI: https://doi.org/10.1108/info-02-2015-0018
Chiu, Iris., & Deipenbrock, Gudula. 2021. Routledge Handbook of Financial Technology and Law. Routledge. London. DOI: https://doi.org/10.4324/9780429325670
Creswell, John W., & Creswell, J. David. 2018. Research Design : Qualitative, Quantitative, and Mixed Methods Approaches (Fifth, Issue July). SAGE Publications.
Davis, Fred D., Bagozzi, Richard. P., & Warshaw, Paul R. 1989. User Acceptance of Computer Technology: A Comparison of Two Theoretical Models. Management Science, 35(8), p. 982–1003. DOI: https://doi.org/10.1287/mnsc.35.8.982
de Luna, Iviane Ramos., Liébana-Cabanillas, Francisco., Sánchez-Fernández, Juan., & Muñoz-Leiva, Francisco. 2019. Mobile Payment is Not All The Same: The Adoption of Mobile Payment Systems Depending on The Technology Applied. Technological Forecasting and Social Change, 146(C), p. 931–944. DOI: https://doi.org/10.1016/j.techfore.2018.09.018
Fishbein, M., & Ajzen, Icek. 1975. Belief, Attitude, Intention, and Behavior: An Introduction to Theory and Research. Reading, MA : Addison.
Ghozali, Imam. 2014. Structural Equation Modeling Metode Alternatif dengan Partial Least Squares (PLS). Universitas Diponegoro. Semarang.
Hamid, Rahmad Solling., & Anwar, Suhardi M. 2019. Structural Equation Modeling (SEM) Berbasis Varian: Konsep Dasar dan Aplikasi dengan Program SmartPLS 3.2.8 dalam Riset Bisnis. PT Inkubator Penulis Indonesia. Jakarta.
Hanggono, Aditya Arie., Handayani, Siti Ragil., & Susilo, Heru. 2016. Analisis Atas Praktek TAM (Technology Acceptance Model) dalam Mendukung Bisnis Online dengan Memanfaatkan Jejaring Sosial Instagram. Jurnal Administrasi Bisnis (JAB), 26(1), p. 1–9.
Hartono, Jogiyanto. 2007. Sistem Informasi Keperilakuan. CV. Andi Offset. Yogyakarta.
Hasanah, Uswatun., Rusydi, M., Maulana, Candra Zaky., Maftukhatushalikhah., & Azwari, Peny Cahaya. 2021. Penggunaan Digital Payment Syariah Pada Masyarakat Di Kota Palembang: Pendekatan Teori Technology Acceptance Model (TAM) pada Layanan Syariah LinkAja. Jurnal Intelektualita: Keislaman, Sosial Dan Sains, 10(1), p. 93–107. DOI: https://doi.org/10.19109/intelektualita.v10i1.8410
Heryanta, Jufri. 2019. Pengaruh Behavioral Intention Terhadap Actual Use Pengguna GO-JEK Indonesia dengan Pendekatan Technology Acceptance Model dan Innovation Diffusion Theory. Jurnal Ilmiah Mahasiswa FEB Universitas Brawijaya, 7(2).
Irawati, Anggit Esti., & Suhartono, Ehrmann. 2020. Analisis Technology Acceptance Model Aplikasi LinkAja. Jurnal Riset Ekonomi Dan Bisnis, 13(3), p. 164–174. DOI: https://doi.org/10.26623/jreb.v13i3.2861
Juhri, Kurniatul., & Dewi, Citra Kusuma. 2017. Kepercayaan dan Penerimaan Layanan Mobile Money T-Cash Di Bandung Dengan Pendekatan Technology Acceptance Model (TAM). Jurnal Pro Bisnis, 10(1), p. 36–51.
Lee, Youghwa., Kozar, Kenneth A., & Larsen, Kai R. T. 2003. The Technology Acceptance Model: Past, Present, and Future. Communications of the Association for Information Systems, 12(50), p. 752-780. DOI: https://doi.org/10.17705/1CAIS.01250
Marginingsih, Ratnawaty. 2021. Financial Technology (Fintech) dalam Inklusi Keuangan Nasional di Masa Pandemi Covid-19. Moneter-Jurnal Akuntansi Dan Keuangan, 8(1), p. 56–64. DOI: https://doi.org/10.31294/moneter.v8i1.9903
Mohamed, Hazik., & Ali, Hassnian. 2019. Blockchain, Fintech, and Islamic Finance. Walter de Gruyter Inc. Berlin. DOI: https://doi.org/10.1515/9781547400966
Muñoz-Leiva, F., Climent-Climent, S., & Liébana-Cabanillas, F. 2017. Determinants of Intention To Use The Mobile Banking Apps: An Extension Of The Classic TAM Model. Spanish Journal of Marketing-ESIC, 21(1), p. 25–38. DOI: https://doi.org/10.1016/j.sjme.2016.12.001
Narastri, Maulidah. 2020. Financial Technology (Fintech) di Indonesia Ditinjau dari Perspektif Islam. Indonesian Interdisciplinary Journal of Sharia Economics (IIJSE), 2(2), p. 155–170. DOI: https://doi.org/10.31538/iijse.v2i2.513
Prasastika, Krismatya., Winarno, Wahyu Agus., & Kartika. 2015. Pengujian Teori Technology Acceptance Model (TAM) untuk Memprediksi Penerimaan Sistem Pendaftaran Online BPJS Kesehatan Cabang Jember. Artikel Ilmiah Mahasiswa Unversitas Jember, p. 1–8.
Rahadi, Dedi Rianto. 2020. Financial Technology: It Is An Emerging Industry That Uses Technology To Improve Activities In Finance. PT. Filda Fikrindo. Bogor.
Rahayu, Imam Sugih. 2016. Minat Nasabah Menggunakan Mobile Banking dengan Menggunakan Kerangka Technology Acceptance Model (TAM) (Studi Kasus PT. Bank Syariah Mandiri Cabang Yogyakarta). JESI (Jurnal Ekonomi Syariah Indonesia), 5(2), p. 137-150. DOI: https://doi.org/10.21927/jesi.2015.5(2).137-150
Schueffel, Patrick. 2017. Taming the Beast: A Scientific Definition of Fintech. Journal of Innovation Management, 4(4), p. 32–54. DOI: https://doi.org/10.24840/2183-0606_004.004_0004
Sironi, Paolo. 2016. FinTech Innovation : From Robo-Advisors to Goal Based Investing and Gamification. John Wiley & Sons. DOI: https://doi.org/10.1002/9781119227205
Sugiyono. (2011). Metode Penelitian Kuantitatif, Kualitatif dan R&D. Alfabeta. Bandung.
Sukardi, Budi. 2021. Islamic Finance Technology. CV. Gerbang Media Aksara. Yogyakarta.
Syahril, Wahyuni Nur., & Rikumahu, Brady. 2019. Penggunaan Technology Acceptance Model (TAM) Dalam Analisis Minat Perilaku Penggunaan E-Money Pada Mahasiswa Universitas Telkom. Jurnal Mitra Manajemen, 3(2), p. 201–214. DOI: https://doi.org/10.52160/ejmm.v3i2.201
Tanda, Alessandra., & Schena, Cristiana-Maria. 2019. FinTech, BigTech and Banks. Palgrave Macmillan Springer International Publishing. DOI: https://doi.org/10.1007/978-3-030-22426-4
Taylor, Steven A., & Baker, Thomas L. 1994. An Assessment of The Relationship Between Service Quality and customer Satisfaction in The Formation Of Consumers’ Purchase Intentions. Journal of Retailing, 70(2), p. 163–178. DOI: https://doi.org/10.1016/0022-4359(94)90013-2
Thomas, C. George. 2021. Research Methodology and Scientific Writing. Springer International Publishing. DOI: https://doi.org/10.1007/978-3-030-64865-7
Usman, Hardius., Projo, Nucke Widowati Kusuma., Chairy., & Haque, Marissa Grace. 2022. The exploration role of Sharia Compliance in Technology Acceptance Model for e-banking (Case: Islamic Bank in Indonesia). Journal of Islamic Marketing, 13(5), p. 1089–1110. DOI: https://doi.org/10.1108/JIMA-08-2020-0230
Venkatesh, Viswanath., & Bala, Hillol. 2008. Technology Acceptance Model 3 and a Research Agenda on Interventions. Decision Sciences, 39(2), p. 273–315. DOI: https://doi.org/10.1111/j.1540-5915.2008.00192.x
Wilson, Jay D. 2017. Creating Strategic Value through Financial Technology. John Wiley & Sons, Inc. DOI: https://doi.org/10.1002/9781119318682
Zahara, Elyan Nadian. 2020. Implementation of APAPO from Technology Acceptance Model and Sosial Affordances. Jurnal Ilmiah Kajian Keimigrasian, 3(1), p 12–26. DOI: https://doi.org/10.52617/jikk.v3i1.110
Asosiasi Program Studi Keuangan dan Perbankan Syariah
The Jurnal Tabarru' site and its metadata are licensed under CC BY-SA