Lembaga Penelitian Pengabdian Masyarakat Universitas Nusa Mandiri
Ciptaan disebarluaskan di bawah Lisensi Creative Commons Atribusi-NonKomersial 4.0 Internasional.
INTEREST ANALYSIS OF USING FINTECH OVO WITH TAM MODEL ON MSMEs IN DENPASAR CITY
The development of technology has now been felt in almost various sectors, one of which is the financial sector. Financial Technology (Fintech) is an innovation in the financial sector that can accelerate the process of financial services, one of which is digital payments. OVO is a type of digital payment with the widest acceptance in Indonesia because it has several partnerships, one of which is with MSMEs. Even so, the use of digital payments is still not massive among MSMEs. The reasons are, among others, the unsupported infrastructure and the perceived usefulness of the digital payment. This study aims to determine the factors that can affect the use of technology using a modified Technology Acceptance Model (TAM) by adding 2 external variables (system quality and culture). The method used is a quantitative method. The research data used primary data obtained directly from the respondents by distributing questionnaires. The data in this study will be analyzed using the PLS-based SEM method using the SmartPLS statistical tool. The results of this study show that as many as seven hypotheses can have a positive and significant effect on interest in using Fintech OVO, while there is one hypothesis that has a positive but not significant effect on interest in using Fintech OVO, namely the effect of perceived easy of use on perceived usefulness.
Andarwati, M., & Jatmika, D. (2017). Analisis Pengaruh Kualitas Sistem Informasi Akuntansi Terhadap Penerimaan Teknologi Di Sektor Ukm Dengan Pendekatan Model Tam. In Seminar Nasional Sistem Informasi (Issue September, pp. 962–956).
Arif, I., & Santoso, B. (2016). Analisis Usabilitas Sistem Informasi Perpustakaan (Sipus) Integrasi UGM. Berkala Ilmu Perpustakaan Dan Informasi, 12(2), 104. https://doi.org/10.22146/bip.17288
Bali, D. (2020). UMKM Manfaatkan “Platform Digital” Selama Pandemi COVID-19. Redaksi InfoDenpasar.Id. https://www.infodenpasar.id/news/di-bali-umkm-manfaatkan-platform-digital-selama-pandemi-covid-19/index.html.
Davis, F. D., Bagozzi, R. P., & Warshaw, P. R. (1989). User acceptance of computer technology UAT Comparison. Management Science, 35(8), 982–1003.
Leng, S. Y., Talib, A., & Gunardi, A. (2018). Financial Technologies: A Note on Mobile Payment. Jurnal Keuangan Dan Perbankan, 22(1), 51–62,. https://doi.org/10.26905/jkdp.v22i1.1993
Mayeh, M., Ramayah, T., & Mishra, A. (2016). The role of absorptive capacity, communication and trust in ERP adoption. Journal of Systems and Software, 119, 58–69. https://doi.org/10.1016/j.jss.2016.05.025
Pintubipar Saragih, S., & Nopriadi, N. (2019). Pengaruh Budaya Terhadap Actual Use Digital Payment System Pada Pelaku UMKM di Kota Batam. Journal of Applied Informatics and Computing, 3(2), 63–67. https://doi.org/10.30871/jaic.v3i2.1646
Puspita, Y. C. (2019). Penggunaan Digital Payment Pada Aplikasi Ovo. Jurnal Manajemen Informatika, 09(02), 121–128. https://jurnalmahasiswa.unesa.ac.id/index.php/jurnal-manajemen-informatika/article/view/29471/26993
Sari, D. R., & Sorongan, E. (2020). Adopsi Dimensi Budaya Pada Model Penerimaan Teknologi: Studi Literatur. In Prosiding Snitt Poltekba (Vol. 4, pp. 101–105).
Abstract viewed = 397 times
PDF downloaded = 307 times
Copyright (c) 2022 Diah Rachmafalen Amor Waning, Ni Made Estiyanti, I Gst. Agung Pramesti Dwi Putri
This work is licensed under a Creative Commons Attribution-NonCommercial 4.0 International License.
An author who publishes in the Pilar Nusa Mandiri: Journal of Computing and Information System agrees to the following terms:
- Author retains the copyright and grants the journal the right of first publication of the work simultaneously licensed under the Creative Commons Attribution-NonCommercial 4.0 License that allows others to share the work with an acknowledgement of the work's authorship and initial publication in this journal
- Author is able to enter into separate, additional contractual arrangements for the non-exclusive distribution of the journal's published version of the work (e.g., post it to an institutional repository or publish it in a book) with the acknowledgement of its initial publication in this journal.
- Author is permitted and encouraged to post his/her work online (e.g., in institutional repositories or on their website) prior to and during the submission process, as it can lead to productive exchanges, as well as earlier and greater citation of the published work (See The Effect of Open Access).
Read more about the Creative Commons Attribution-NonCommercial 4.0 Licence here: https://creativecommons.org/licenses/by-nc/4.0/.