Factors that Effect Individual Interest in Using E-Wallet OVO (Case Study on Students in Bandar Pasir Mandoge)
Abstract
A range of innovative financial technologies, including e-wallets, have emerged due to the rapid rise of online transactions. There are 38 e-wallets in Indonesia, including OVO, that have been granted a license by Bank Indonesia. Due to the competition among e-wallets, OVO, the second most well-known e-wallet in Indonesia, has continued to implement a number of improvements to boost OVO usage. OVO e-wallet, on the other hand, is still making an effort to present itself to the public through various promotions. This study intends to ascertain the degree to which perceptions of trust, perceived safety, perceived usefulness, perceived ease of use, perceived risk, and consumptive behaviour, either partially or simultaneously, affect students in Bandar Pasir Mandoge's choice to use the OVO e-wallet. The research method used in this research is associative quantitative research method. The data analysis method used is statistical method with the help of SPSS version 23. The data analysis techniques used in this study are validity test, reliability test, normality test, multicolinerity test, heteroscedasticity test, multiple linear regression test, coefficient of determination, t test, and F test. This study concluded that there is a positive and significant influence either partially or simultaneously between the variables of trust, perceived safety, perceived usefulness, perceived ease of use, perceived risk, and consumptive behaviour of decisions to use the OVO e-wallet.
Full text article
References
Arikunto, Suharsimi. (2002). Prosedur Penelitian, Jakarta: Pt. Rineka Cipta.
Aulia, Sisca. (2020). Pola Prilaku Konsumen Digital Dalam Memanfaatkan Aplikasi Dompet Digital, Jurnal Komunikasi, Volume 12, Nomor 2, Desember 2020.
Davis, F. D. (1989). Technology Acceptance Model for Empirically Testing New End-User Information System Theory and Result. Dalam M. I. (MIT), MIS Quarterly (hal. Vol.13, No.3, p.319-340).
Departemen Pendidikan Dan Kebudayaan. (2001). Kamus Besar Bahasa Indonesia, Jakarta: Balai Pustaka.
Dradjat, Zakiah. (1995). Metode Khusus Pengajaran Agama Islam, Jakarta: Bumi Aksara.
Fishbein, M. (1980). Understanding attitudes and predicting social behavior. NJ: Prentice-Hall.
Hidayat, Muhammad Taufik. (2020). “Penerimaan Pengguna E Wallet Menggunakan UTAUT 2 (Studi Kasus)â€, Jurnal Nasional Teknik Elektro Dan Teknologi Informasi, Volume 9. No.3 Agustus 2020.
Ismawati, K., Darmawati, D., Fuad, M., Dewi, G. A. K. R. S., Fatchurrohman, M., Ristiyana, R., ... & Abdurohim, A. (2022). Pengetahuan Dasar Pasar Modal dan Investasi.
Jogiyanto. (2007). Sistem Informasi Keperilakuan. Yogyakarta: Andi.
Mayer, R. C. (1995). An integrative model of organizational trust. Academy of management review, 20(3), 709-734.
Maftuhah, R. A., & Rafsanjani, H. (2019). Pelatihan strategi pemasaran melalui media online pada produk usaha rumahan krupuk bawang dan kripik sukun. Aksiologiya: Jurnal Pengabdian Kepada Masyarakat, 3(2), 227-235.
Muzdalifa, I., Rahma, I. A., Novalia, B. G., & Rafsanjani, H. (2018). Peran fintech dalam meningkatkan keuangan inklusif pada UMKM di Indonesia (pendekatan keuangan syariah). Jurnal Masharif Al-Syariah: Jurnal Ekonomi Dan Perbankan Syariah, 3(1), 1-24.
Pavlou, P. A. (2003). Consumer acceptance of electronic commerce: Integrating trust and risk with the technology acceptance model. International journal of electronic commerce, 7(3), 101-134.
Rafsanjani, H. (2022). Confirmatory Factor Analysis (CFA) untuk Mengukur Unidimensional Indikator Pilar Pengembangan Perbankan Syariah di Indonesia. Jurnal Masharif Al-Syariah: Jurnal Ekonomi dan Perbankan Syariah, 7(2).
Rafsanjani, H. (2017). Peran Koperasi Wanita dalam Membangun Keuangan Inklusif Syariah. Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah, 2(2).
Slameto. (2010). Belajar dan Faktor-Faktor yang memengaruhinya. Jakarta: Rineka Cipta.
Sujarweni, Wiratna. (2015). Metodologi penelitian Bisnis dan Ekonomi Yogyakarta: Pustaka Baru.
Widyastuti, K. H. (2017). e-Money implementation barriers and challenges: A case of Indonesian interbank network company. Journal of Engineering and Applied Science, 12(12), 3281-3285.
Witherington, H. C. (1999). Macam-Macam Minat. Jakarta: Rhineka Cipta.
Authors
The Authors submitting a manuscript do so on the understanding that if accepted for publication, copyright of the article shall be assigned to Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah and Faculty Of Islamic Religiuos Universitas Muhammadiyah Surabaya as publisher of the journal.
Copyright encompasses exclusive rights to reproduce and deliver the article in all form and media, including reprints, photographs, microfilms and any other similar reproductions, as well as translations. The reproduction of any part of this journal, its storage in databases and its transmission by any form or media, such as electronic, electrostatic and mechanical copies, photocopies, recordings, magnetic media, etc., will be allowed only with a written permission from Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah and Faculty Of Islamic Religiuos Universitas Muhammadiyah Surabaya.
Faculty Of Islamic Religiuos Universitas Muhammadiyah Surabaya, the Editors and the Advisory Editorial Board make every effort to ensure that no wrong or misleading data, opinions or statements be published in the journal. In any way, the contents of the articles and advertisements published in the Tadarus are sole and exclusive responsibility of their respective authors and advertisers.
Rights of Authors
The Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah And Faculty Of Islamic Religiuos Universitas Muhammadiyah Surabaya recognize the retention of the following:
- Patent and trademark rights and rights to any process or procedure described in the article.
- The right to photocopy or make single electronic copies of the article for their own personal use, including for their own classroom use, or for the personal use of colleagues, provided the copies are not offered for sale and are not distributed in a systematic way outside of their employing institution (e.g. via an e-mail list or public file server). Posting of an article on a secure network (not accessible to the public) within the author institution is permitted.
- The right, subsequent to publication, to use the article or any part thereof free of charge in a printed compilation of works of their own, such as collected writings or lecture notes.