Analisis Faktor Adopsi E-Wallet Gopay, OVO, dan DANA dengan Model UTAUT2 pada Masyarakat Jawa Barat

Abstract

Analysis of the Gopay, OVO, and DANA E-Wallet Adoption Factors with the UTAUT2 Model in the West Java. Fintech is changing the banking industry, reshaping business, and changing the way consumers manage and use money. This study's purpose is to examine the factors that affect the adoption of e-wallet, a product of fintech in West Java using the UTAUT 2 model. This study used data collection techniques in the form of surveys by distributing online and manual questionnaires. The respondents of this research are 400 users from Gopay, OVO, or DANA, domiciled in West Java, and ranging in age from 18-40 years. This study used the PLS-SEM model. The results showed that there were three accepted hypotheses. Only the Habit variable (H7a) has a positive significant effect on the Behavioral Intention, while the other variables have no significant effect. Also, it was found that the variables of Facilitating Conditions (H4b) and Behavioral Intention (H8) had a significant positive effect on Use Behavior. In addition, only the Gender variable moderates the independent variable with the dependent variable. ABSTRAKAnalisis Faktor Adopsi E-wallet Gopay, OVO, dan DANA dengan Model UTAUT2 pada Masyarakat Jawa Barat. Fintech telah mengubah industri perbankan, membentuk kembali bisnis, dan mengubah cara konsumen mengatur dan menggunakan uang mereka. Tujuan dari penelitian ini yaitu untuk meneliti faktor-faktor yang mempengaruhi adopsi e-wallet yang merupakan produk dari fintech pada masyarakat Jawa Barat menggunakan model UTAUT 2. Penelitian ini menggunakan teknik pengambilan data berupa survei dengan menyebarkan kuesioner secara online dan manual. Responden penelitian ini merupakan 400 pengguna dari Gopay, OVO, atau DANA, berdomisili di Jawa Barat, dan berusia 18-40 tahun. Penelitian ini akan menggunakan model PLS-SEM. Hasil penelitian menunjukkan bahwa terdapat tiga hipotesis yang diterima. Hanya variabel Kebiasaan (H7a) yang berpengaruh signifikan positif dengan niat menggunakan, sedangkan variabel lainnya tidak berpengaruh signifikan. Kemudian ditemukan bahwa variabel Kondisi Pendukung (H4b) dan Niat Menggunakan (H8) berpengaruh signifikan positif dengan perilaku menggunakan. Kemudian, hanya variabel jenis kelamin yang memoderasi variabel independen dengan variabel dependen.

Determinants of E-wallet DANA Usage in Generation Z: Proving the UTAUT-2 Model

“…It is known that gen z grows along with technological developments and is a respondent in this study, so technology is no longer new. This study contradicts the findings of (Al-Saedi et al, 2020; Wardani & Masdiantini, 2022), but in line with the research of (Desvira & Aransyah, 2023;Saragih & Rikumahu, 2022).…”

“…Gen z prefers applications with prices that are affordable with their finances, considering that the majority of gen z are still students, so cost is a heavy consideration for them. This research is not in line with research (Cahyani & Dewi, 2022; Mansyur & Ali, 2022), but in line with research by (Maharani, 2021;Saragih & Rikumahu, 2022).…”

“…This finding shows that social influence indicates that the surrounding environment has a role in attracting and motivating gen z to use the DANA e-wallet as their digital payment system. This study contradicts the findings of (Mayanti, 2020;Saragih & Rikumahu, 2022), but in line with the research of (Aseng, 2020; Desvira & Aransyah, 2023).…”

“…According to research by (Alalwan et al, 2017), Price value, effort expectation, performance expectation, hedonic motivation, and trust all have positive and significant effects on behavioral intention. Meanwhile, the findings of Saragih & Rikumahu, (2022) indicate that price value, hedonic motivation, performance expectations, effort expectations, and facilitating conditions do not have a significant influence on behavioral intentions. This suggests that further research is necessary to clarify the differences in the findings regarding the variable factors that influence behavioral intention.…”

“…The level of likelihood that Generation Z perceives as having adopted the DANA e-wallet application is known as behavioral intention in this study. Numerous research studies have demonstrated that behavioral inten-tions regarding technology use are positively and significantly impacted by behavioral intentions (Makanyeza & Mutambayashata, 2018;Mayanti, 2020;Saragih & Rikumahu, 2022). This is how the hypothesis is put forth based on the previously provided explanation: H10: The way that Generation Z uses the DANA e-wallet to make digital payments is positively and significantly influenced by their behavioral intentions.…”