The Intention to use Digital Payment in the UMKM Sector in Manado City
DOI:
https://doi.org/10.58344/jws.v3i2.551Keywords:
Digital Payment, UMKM, Intention to Use, Technology Acceptance ModelAbstract
This study aims to understand and analyze how MSMEs in Manado City promote the development of digital payment usage. It employs a quantitative method, with 201 respondents particularly from the culinary sector of North Sulawesi Province, focusing on Manado City. Sampling was conducted through an online questionnaire using Google Forms distributed via social media. The research applies the Technology Acceptance Model (TAM) with modifications, incorporating perceived risk and social influence variables. Convenience sampling was utilized, and data was analyzed using SEM-PLS software. The findings demonstrate that all constructs tested—perceived ease of use, perceived usefulness, perceived risk, and social influence—can influence attitudes in encouraging MSMEs to adopt digital payment methods in their businesses. The implications of this research suggest that awareness of the importance of perceived ease of use, perceived usefulness, perceived risk, and social influence in adopting digital payments can help MSMEs increase acceptance and usage of digital payment methods in their business operations. Therefore, development and promotional strategies focusing on strengthening these factors could be key in accelerating digital payment adoption by MSMEs. Additionally, stakeholders, including the government and industry players, can utilize these findings as a basis for developing policies and support programs aimed at expanding digital payment penetration in the MSME sector.
References
Abid, A., & Jie, S. (2023). Understanding farmers’ decision-making to use Islamic finance through the lens of theory of planned behavior. Journal of Islamic Marketing, 14(4), 1084–1106.
Alomary, A., & Woollard, J. (2015). How is technology accepted by users? A review of technology acceptance models and theories.
Amalia, S. N. A. (2018). Faktor-Faktor Yang Mempengaruhi Minat Individu Terhadap Financial Technology (Fintech) Syariah (Paytren) Sebagai Salah Satu Alat Transaksi Pembayaran (PendekatanTechnology Acceptance Model (TAM) dan Theory Of Planned Behavior (TPB). Iqtishaduna, 9(1), 64–79.
Cania, S. C. (2018). Faktor-faktor yang mempengaruhi penggunaan layanan go-pay pada pelanggan maupun pengemudi go-jek.
Cao, T. K., Dang, P. L., & Nguyen, H. A. (2016). Predicting consumer intention to use mobile payment services: Empirical evidence from Vietnam. International Journal of Marketing Studies, 8(1), 117–124.
Chuttur, M. (2009). Overview of the technology acceptance model: Origins, developments and future directions.
Cueto, L. J., Frisnedi, A. F. D., Collera, R. B., Batac, K. I. T., & Agaton, C. B. (2022). Digital innovations in MSMEs during economic disruptions: experiences and challenges of young entrepreneurs. Administrative Sciences, 12(1), 8.
Davis, F. D., Bagozzi, R. P., & Warshaw, P. R. (1989). User acceptance of computer technology: A comparison of two theoretical models. Management Science, 35(8), 982–1003.
Dodeen, H., & Nassar, Y. (2022). Factorial Equivalence and Validation of three Versions of the Body Shape Questionnaire. The Open Psychology Journal, 15(1).
Fahmi, Z., & Evanita, S. (2019). Pengaruh Iklan dan Perceived Security terhadap Minat Transaksi Pebayaran Berbasis e-Payment dengan Sikap sebagai Variabel Intervening pada Masyarakat di Kota Padang. Jurnal Kajian Manajemen Dan Wirausaha, 1(02), 83–96.
Ghozali, I. (2016). Aplikasi Analisis Multivariete Dengan Program IBM SPSS 23 (Edisi 8). Badan Penerbit Universitas Diponegoro.
Gusni, G., Hurriyati, R., & Dirgantari, P. D. (2020). Pengaruh Perceived Usefulness dan Perceived Ease of Use terhadap Attitude dan Actual Usage Go-Pay. Jurnal Manajemen Dan Kewirausahaan, 8(1), 22–33.
Hermanto, S. B., & Patmawati, P. (2017). Determinan Penggunaan Aktual Perangkat Lunak Akuntansi Pendekatan Technology Acceptance Model. Jurnal Akuntansi Dan Keuangan, 19(2), 67–81.
Idenanda, N., Nugroho, R. A., & Santoso, T. B. (2022). Penerimaan Masyarakat Terhadap Sistem E-Voting dalam Pelaksanaan Pilkades di Desa Butuh Kecamatan Mojosongo Kabupaten Boyolali. Sospol: Jurnal Sosial Politik, 8(1), 1–15.
Juniwati, J. (2014). Influence of perceived usefulness, ease of use, risk on attitude and intention to shop online. European Journal of Business and Management, 6(27), 218–229.
Krishnan, L. A., Masters, C., Holgate, H., Wang, C., & Calahan, C. A. (2017). Structured study abroad enhances intercultural competence. Teaching and Learning in Communication Sciences & Disorders, 1(1), 5.
Kurniawan, A., Yulianti, F., & Putri, T. E. (2022). The Effect of Perceived of Ease of Use, Perceived of Benefits, Trust, Perceived of Risk and Level of Understanding of Electronic Money On Interest In Using E-Money. ACCRUALS (Accounting Research Journal of Sutaatmadja), 6(01).
Larasati, I. M., & Andjarwati, A. L. (2019). Pengaruh perceived ease of use dan perceived usefulness terhadap niat mengguakan internet banking dengan sikap sebagai variabel intervening. Jurnal Ilmu Manajemen, 7(1), 143–150.
Mundzir, A., Riorini, S. V., Indarti, S. L., Chanifah, S., Yulistiyono, A., Mayratih, S., Mulyono, S., Karyani, E., Suryanto, H., & Kusumawati, I. (2021). Peningkatan Ekonomi Masyarakat menuju Era Society 5.0 Ditengah Pandemi Covid-19. Penerbit Insania.
Murendo, C., Wollni, M., De Brauw, A., & Mugabi, N. (2018). Social network effects on mobile money adoption in Uganda. The Journal of Development Studies, 54(2), 327–342.
Najib, M., & Fahma, F. (2020). Investigating the adoption of digital payment system through an extended technology acceptance model: An insight from the Indonesian small and medium enterprises. International Journal on Advanced Science, Engineering and Information Technology, 10(4), 1702–1708.
Oktafiani, H., Yohana, C., & Saidani, B. (2021). Pengaruh Perceived Ease of Use dan Perceived Usefulness terhadap Customer Satisfaction E-Wallet X. Jurnal Bisnis, Manajemen, Dan Keuangan-JBMK, 2(2), 562–576.
Prahiawan, W., & Purba, J. T. (2021). The role of e-satisfaction, e-word of mouth and e-trust on repurchase intention of online shop. Anser, MK, Tabash, MI, Nassani, AA, Aldakhil, AM, & Yousaf, 2021.
Priambodo, S., & Prabawani, B. (2016). Pengaruh Persepsi Manfaat, Persepsi Kemudahan Penggunan, Dan Persepsi Risiko Terhadap Minat Menggunakan Layanan Uang Elektronik (Studi Kasus Pada Masyarakat Di Kota Semarang). Jurnal Ilmu Administrasi Bisnis, 5(2), 127–135.
Purwanto, E., & Tannady, H. (2020). The factors affecting intention to use Google Meet amid online meeting platforms competition in Indonesia. Technology Reports of Kansai University, 62(06), 2829–2838.
Rahayu, R. W. (2018). Pengaruh Persepsi Manfaat, Persepsi Kemudahan, Persepsi Risko, dan Inovasi Teknologi Terhadap Aplikasi Go Pay Dari PT. Gojek Indonesia.
Setiawan, B., Nugraha, D. P., Irawan, A., Nathan, R. J., & Zoltan, Z. (2021). User innovativeness and fintech adoption in Indonesia. Journal of Open Innovation: Technology, Market, and Complexity, 7(3), 188.
Singh, N., Sinha, N., & Liébana-Cabanillas, F. J. (2020). Determining factors in the adoption and recommendation of mobile wallet services in India: Analysis of the effect of innovativeness, stress to use and social influence. International Journal of Information Management, 50, 191–205.
Slade, E., Williams, M., Dwivedi, Y., & Piercy, N. (2015). Exploring consumer adoption of proximity mobile payments. Journal of Strategic Marketing, 23(3), 209–223.
Soegiastuti, J., & Anggraeni, T. (2022). Analisis Faktor Minat Masyarakat Semarang Dalam Penggunaan Gopay Sebagai DIgital Payment. Jurnal Ekonomi Dan Manajemen, 2(1), 18–40.
Subawa, N. S., Widhiasthini, N. W., & Mimaki, C. A. (2020). An empirical study of E-marketplace acceptance in MSMEs under the constructs of effort expectancy, social influence and facilitating condition factors. Proceedings of the 2020 The 6th International Conference on E-Business and Applications, 116–120.
Suyanto, S., & Kurniawan, T. A. (2019). Faktor yang mempengaruhi tingkat kepercayaan penggunaan fintech pada UMKM dengan menggunakan technology acceptance model (TAM). Akmenika: Jurnal Akuntansi Dan Manajemen, 16(1).
Venkatesh, V., & Bala, H. (2008). Technology acceptance model 3 and a research agenda on interventions. Decision Sciences, 39(2), 273–315.
Venkatesh, V., & Davis, F. D. (2000). A theoretical extension of the technology acceptance model: Four longitudinal field studies. Management Science, 46(2), 186–204.
Venkatesh, V., Morris, M. G., Davis, G. B., & Davis, F. D. (2003). User acceptance of information technology: Toward a unified view. MIS Quarterly, 425–478.
Wardana, A. A., Saputro, E. P., Wahyuddin, M., & Abas, N. I. (2022). The effect of convenience, perceived ease of use, and perceived usefulness on intention to use e-wallet. International Conference on Economics and Business Studies (ICOEBS 2022), 386–395.
Zhang, M. Y., & Dodgson, M. (2014). High-tech entrepreneurship in Asia: Innovation, industry and institutional dynamics in mobile payments. Edward Elgar Publishing.
Published
How to Cite
Issue
Section
License
Copyright (c) 2024 Journal of World Science
This work is licensed under a Creative Commons Attribution-ShareAlike 4.0 International License.
Authors who publish with this journal agree to the following terms:
- Authors retain copyright and grant the journal right of first publication with the work simultaneously licensed under a Creative Commons Attribution-ShareAlike 4.0 International. that allows others to share the work with an acknowledgement of the work's authorship and initial publication in this journal.
- Authors are 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 an acknowledgement of its initial publication in this journal.
- Authors are permitted and encouraged to post their 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 published work.
