Analisis Penggunaan Digital Payment: Modifikasi Teori Technology Acceptance Model
Abstract
Penelitian ini bertujuan untuk mengetahui apakah terdapat pengaruh antara variabel perceived ease of use, variabel perceived of risk, dan trust sebagai variabel mediasi terhadap digital payment usage khususnya aplikasi QRIS pada pelaku UMKM yang berlokasi di wilayah Jabodetabek dengan menggunakan modifikasi teori Technology Acceptance Model (TAM). Penelitian dilakukan dengan menggunakan metode penelitian kuantitatif dengan sumber data primer melalui penyebaran kuesioner yang dilakukan secara daring menggunakan Google Form. Sampel penelitian dipilih dengan menggunakan teknik convenience sampling. Kriteria sampel penelitian adalah UMKM yang menjadi merchant QRIS dan menggunakan QRIS sebagai alat pembayaran serta berlokasi di Jabodetabek. Jumlah sampel penelitian yang dikumpulkan sebanyak 224 sampel. Penelitian dilakukan dengan mengolah data menggunakan software SPSS 25 dan AMOS 26 dengan menggunakan model penelitian SEM-AMOS. Hasil penelitian menunjukkan terdapat tiga hipotesis yang diterima antara lain perceived ease of use berpengaruh positif terhadap trust, trust berpengaruh positif terhadap digital payment usage, dan perceived ease of use berpengaruh positif terhadap digital payment usage serta dua hipotesis yang ditolak yaitu, perceived of risk tidak berpengaruh terhadap trust dan perceived of risk tidak berpengaruh terhadap digital payment usage.
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