ANALISIS PENERIMAAN TERHADAP MOBILE-PAYMENT DENGAN MEMPERTIMBANGKAN FINANCIAL LITERACY PADA MAHASISWA DI JEMBER

Amalina Maryam Zakiyyah

Abstract


Tujuan artikel ini adalah melakukan analisis penerimaan mobile payment pada mahasiswa di wilayah Jember dengan mempertimbangkan  financial literacy sebagai salah satu variabel prediktornya. Hal ini didasari dari tingginya penetrasi internet dan tingginya adopsi e-commerce di Indonesia yang ironisnya belum diikuti oleh penggunaan layanan keuangan berbasis teknologi sebagai alat pembayarannya. Peneliti memasukkan literasi keuangan yang mampu membantu seseorang dalam pengambilan keputusan keuangan. Kuesioner yang disebarkan kepada 120 mahasiswa di Jember, disusun berdasarkan teori TAM dengan menambahkan variabel persepsi keamanan dan literasi keuangan sebagai variabel eksogen, serta niat menggunakan m-payment dan penggunaan aktual sebagai variabel endogen. Hasil analisis menemukan bahwa persepsi kemudahan penggunaan dan literasi keuangan tidak berpengaruh pada niat menggunakan m-payment. Namun, literasi keuangan dan perepsi keamanan secara langsung berpengaruh pada penggunaan aktual.

Keywords


adopsi teknologi; literasi keuangan; m-payment

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DOI: https://doi.org/10.32528/jiai.v7i2.8721

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