Analisis Faktor yang Mempengaruhi Innovation Resistance dan Intention to Use Terhadap Penerapan Pembayaran Non Tunai

Abstract

Pertamina implements the MyPertamina cashless payment system to improve the quality of service to consumers in purchasing Pertamina products. Nevertheless, the MyPertamina application lacks users, as no research has discussed the reason for MyPertamina's low adoption rate; thus, it can be an exciting topic to investigate further. The objective of this research was to gain a better understanding of technological resistance by exploring the factors that contribute to resistance behaviour and intentions to adopt technology for MyPertamina services. The conceptual model was based on social influence, innovation resistance theory, and planned behaviour theory. Data was collected by distributing online questionnaires, and up to 350 data sets were processed using the structural equation model - partial least squares method. The results indicated that traditional and image barriers had a significant positive effect on innovation resistance, and social influence and self-efficacy significantly impacted the intention to use. In comparison, innovation resistance had a negative effect on the intention to use.

The Effect of the Performance of Gas Station Operators on the Use of the MyPertamina Application in PT. Satria Citra Kencana

“…The MyPertamina application is used in non-cash fuel payments at Pertamina gas stations. This application offers various benefits to consumers such as practicality and ease of making transactions, being able to find out access to the nearest gas station, there are vouchers, and attractive cashback, as well as getting points from every transaction that can be exchanged for various rewards available in the Pertamina MyPertamina Application in Softina et al [4]. The benefits that can be obtained by consumers if they use the MyPertamina application according to Oktaviana et al [5], namely: Electronic payment (e-Payment), Earning Point, Redeem Point.…”