ANALISIS DETERMINAN NIAT MENGGUNAKAN E-MONEY DI KALANGAN MILLENNIALS DENGAN PENDEKATAN UTAUT
Abstract
The development of science and technology has an impact on all aspects of life, especially in the payment system in Indonesia. This makes the banking industry improved the innovations in payment system, namely the electronic payment system or e-money. The purpose of this study is to analyze what factors influence millennial intention to use e-money using the Unified Theory of Acceptance and Use of Technology approach. The researcher used the Structural Equation Modeling approach using STATA software. Respondents in this study were 422 millennials. Data used in this study were primary data using a questionnaire, with googleform as a tool to collect data. Descriptive data of this study showed that 54% of the total 422 respondents did not use e-money, but 98% had intention to use e-money in the future. On the other hands the results of this study found that millennial intention to use e-money was significantly positively influenced by performance expectations, followed by business expectations, social influence, self-efficacy and security. Facility conditions are the only variable that does not significantly influence millennial intention to use e-money.
Perkembangan ilmu pengetahuan dan teknologi berdampak pada semua aspek kehidupan, khususnya dalam sistem pembayaran yang ada di Indonesia. Hal ini membuat industri perbankan mengembangkan inovasi baru dalam sistem pembayaran, yaitu sistem pembayaran elektronik atau e-money. Tujuan dari penelitian ini adalah untuk menganalisa faktor-faktor apa saja yang mempengaruhi niat milenial untuk menggunakan e-money dengan pendekatan Unified Theory of Acceptance and Use of Technology. Peneliti menggunakan pendekatan Structural Equation Modeling dengan menggunakan perangkat lunak STATA. Responden dalam penelitian ini adalah generasi milenial sebanyak 422 responden dan data yang digunakan dalam penelitian ini adalah data primer dengan menggunakan kuesioner yang dibagikan melalui fasilitas google form sebagai alat untuk mengumpulkan data. Data deskriptif penelitian ini menunjukkan 54% dari total 422 responden belum menggunakan e-money, namun 98% memiliki niat menggunakan e-money di waktu mendatang. Di sisi lain hasil penelitian ini mendapati bahwa niat milenial untuk menggunakan e-money dipengaruhi secara positif signifikan oleh harapan kinerja, diikuti harapan usaha, pengaruh sosial, efikasi diri dan keamanan. Kondisi fasilitas merupakan satu-satunya variabel yang tidak berpengaruh secara signifikan terhadap niat milenial untuk menggunakan e-money.
References
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Brohman, M. K., & Wong, W.-K. (2004). The Sustainability of a Smartcard for Micro e- Payments. Association for Information Systems.
Chan, S., & Lu, M. (2004). Understanding Internet Banking Adoption and Use Behavior: A Hong Kong Perspective. Journal of Global Information Management, 12(3), 21–43.
Chen, Y., & Barnes, S. (2007). Initial trust and online buyer behaviour. Industrial Management & Data Systems, 107(1), 21–36.
Dasgupta, S., Paul, R., & Fuloria, S. (2011). Factors Affecting Behavioral Intentions towards Mobile Banking Usage: Empirical Evidence from India. Romanian Journal Of Marketing, (1), 6–28.
Davis, F. D. (1989). Perceived Usefulness , Perceived Ease of Use , and User Acceptance of lnformation Technology. MIS Quarterly, 13(3), 319–340.
Eastman, J. K., Griffin, M., Williams, D. F., Liao-Troth, S., & Iyer, R. (2014). The Role of Involvement on Millennials’ Mobile Technology Behaviors: The Moderating Impact of Status Consumption, Innovation, and Opinion Leadership. Journal of Marketing Theory and Practice, 22(4), 455–470.
Goldsmith, R. E., Clark, R. A., & Goldsmith, E. B. (2016). Can an organization’s philanthropic donations encourage consumers to give? Journal of Consumer Behaviour, 7(2), 253–266.
Gu, J. C., Lee, S. C., & Suh, Y. H. (2009). Determinants of behavioral intention to mobile banking. Expert Systems with Applications, 36(9), 11605–11616.
Hair, J. F., Black, W. C., Babin, B. J., Anderson, R. E., & Tatham, R. L. (2006). Multivariate Data Analysis. New Jersey: Pearson Education, Inc.
Handayani, T., & Sudiana. (2015). Analisis Penerapan Model Utaut (Unified Theory of Acceptance and Use of Technology) Terhadap Perilaku Pengguna Sistem Informasi (Studi Kasus: Sistem Informasi Akademik Pada Sttnas Yogyakarta). Angkasa: Jurnal Ilmiah Bidang Teknologi, 7(2), 165–180.
Harris, H., Guru, B. K., & Avvari, M. V. (2011). E vidence of Firms’ Perception s T oward Electronic Payment Systems (EPS) in Malaysia. International Journal of Business and Information, 6(2), 226–245.
Hidayati, N., Lintangsari, N. N., Purnamasari, Y., Carolina, H., & Ramadhan, W. F. (2018). Analisis Pengaruh Instrumen Pembayaran Non-Tunai Terhadap Stabilitas Sistem Keuangan Di Indonesia. Jurnal Dinamika Ekonomi Pembangunan, 1(1), 47.
Hidayati, S., Nuryanti, I., Firmansyah, A., Fadly, A., & Darmawan, I. Y. (2006). Operasional E-Money.
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Im, I., Hong, S., & Kang, M. S. (2010). An international comparison of technology adoption. Information & Management, 48(1), 1–8.
Jorge, A.-G., Begoña, P.-P., & Maria, A. R.-J. (2015). Elderly and internet banking: An application of UTAUT2. Journal of Internet Banking and Commerce, 20(1), 1–23.
Junadi, & Sfenrianto. (2015). A Model of Factors Influencing Consumer’s Intention To Use E-payment System in Indonesia. Procedia Computer Science, 59(Iccsci), 214–220.
Khatimah, H., & Halim, F. (2016). The effect of attitude and its decomposed, perceived behavioral control and its decomposed and awareness on intention to use e-money mobile in Indonesia. Journal of Scientific Research and Development, 3(1), 39–50.
Laforet, S., & Li, X. (2005). Consumers’ attitudes towards online and mobile banking in China. International Journal of Bank Marketing, 23(5), 362–380.
Lee, M. C. (2009). Factors influencing the adoption of internet banking: An integration of TAM and TPB with perceived risk and perceived benefit. Electronic Commerce Research and Applications, 8(3), 130–141.
Lu, J., Yu, C. S., Liu, C., & Yao, J. E. (2003). Technology acceptance model for wireless Internet. Internet Research, 13(3), 206–222.
Mangold, W. G., & Smith, K. T. (2012). Selling to Millennials with online reviews. Business Horizons, 55(2), 141–153.
Martins, C., Oliveira, T., & Popovič, A. (2014). Understanding the internet banking adoption: A unified theory of acceptance and use of technology and perceived risk application. International Journal of Information Management, 34(1), 1–13.
Martowardojo, A. D. W. Peraturan Bank Indonesia tentang Uang Elektronik (2018). Bank Indonesia.
Morosan, C., & DeFranco, A. (2016). It’s about time: Revisiting UTAUT2 to examine consumers’ intentions to use NFC mobile payments in hotels. International Journal of Hospitality Management, 53, 17–29.
Noble, S. M., Haytko, D. L., & Phillips, J. (2009). What drives college-age Generation Y consumers? Journal of Business Research, 62(6), 617–628.
Norum, P. S. (2003). Examination of generational differences in household apparel expenditures. Family and Consumer Sciences Research Journal, 32(1), 52–75.
Oliveira, T., Faria, M., Thomas, M. A., & Popovič, A. (2014). Extending the understanding of mobile banking adoption: When UTAUT meets TTF and ITM. International Journal of Information Management, 34(5), 689–703.
Pratiwi, D. F., & Dewi, C. K. (2018). Factors (Benefits, Trust, Self-Efficacy, Ease of Use, Security) Affecting Consumer’s Perception on E-Money in Indonesia (Study on The Use of E-Money Mandiri, BCA, BNI, BRI). Jurnal Sekretari & Administrasi Bisnis, II(2), 24–37.
Priyambodo, L., Tjiptono, F., & Suyoto. (2016). M-Commerce in Indonesia : Problems and Prospects. International Journal of Computer Applications & Information Technology, I(September 2012).
Priyatama, A., & Apriansah. (2010). Correlation Between Electronic Money and the. Global Management Conference, (11), 1–6.
Rahmatsyah, D. (2011). Analisa Faktor – Faktor Yang Mempengaruhi Minat Penggunaan Produk Baru ( Studi Kasus : Uang Elektronik Kartu Flazz Bca ).
Salimon, M. G., Yusoff, R. Z. Bin, & Mohd Mokhtar, S. S. (2017). The mediating role of hedonic motivation on the relationship between adoption of e-banking and its determinants. International Journal of Bank Marketing, 35(4), 558–582.
Shim, S., & Drake, M. F. (1990). Consumer Intention to Utilize Electronic Shopping. Journal of Direct Marketing, 4(3), 22–33.
Shin, D. H. (2010). The effects of trust, security and privacy in social networking: A security-based approach to understand the pattern of adoption. Interacting with Computers, 22(5), 428–438. https://doi.org/10.1016/j.intcom.2010.05.001
Slade, E. L., Dwivedi, Y. K., Piercy, N. C., & Williams, M. D. (2015). Modeling Consumers ’ Adoption Intentions of Remote Mobile Payments in the United Kingdom : Extending UTAUT with Innovativeness , Risk , and Trust. Psychology & Marketing, 32(8), 860–873.
Soseco, T. (2016). Effect of e-Money to Economic Performance ( A Comparative Study of Selected Countries ) EFFECT OF E-MONEY TO ECONOMIC PERFORMANCE ( A COMPARATIVE STUDY OF SELECTED COUNTRIES ). The 2016 International Conference of Management Sciences.
Suri, T. (2017). Mobile Money. Annual Review of Economics, 9(1), 497–520.
Tan, J. D., Purba, J. T., & Widjaya, A. E. (2018). Financial Technology as an Innovation Strategy for Digital Payment Services in the Millenial Generation. Advances in Social Science, Education and Humanities Research, 292(Agc), 364–373.
Taylor, S., & Todd, P. A. (1995). Understanding Information Technology Usage: A Test of Competing Models. Institute for Operations Research and the Management Sciences.
Teoh, W. M.-Y., Chong, S. C., Lin, B., & Chua, J. W. (2013). Factors affecting consumers’ perception of electronic payment: An empirical analysis. Internet Research, 23(4), 465–485.
Utami, S. S., & Kusumawati, B. (2017). Faktor-Faktor yang Memengaruhi Minat Penggunaan E-money (Studi pada Mahasiswa STIE Ahmad Dahlan Jakarta ). Jurnal Balance, XIV(2).
Venkatesh, V., Morris, M. G., Davis, G. B., & Davis, F. D. (2003). User Acceptance of Information Technology: Toward a Unified View. MIS Quarterly, 27(3), 425.
Venkatesh, V., Thong, J., & Xu, X. (2012). Consumer acceptance and use of informationtechnology: extending the unified theory of acceptance and use of technology. MIS Quarterly, 36(1), 157–178.
Wulandari, D. ., Soseco, T., & Narmaditya, B. S. (2016). Analysis of the Use of Electronic Money in Efforts to Support the Less Cash Society. International Finance and Banking, 3(1), 1.
Yang, A. S. (2009). Exploring adoption in Mobile Banking Services. Canadian Journal of Administrative Sciences, 26(April), 136–149.
Yu, C.-S. (2012). Factors Affecting Individuals to Adopt Mobile Banking: Empirical Evidence from the UTAUT Model. Journal of Electronic Commerce Research, 13(2), 104–121.
Zhou, T. (2011). Understanding mobile Internet continuance usage from the perspectives of UTAUT and flow. Information Development, 27(3), 207–218.
Adiyanti, A. I. (2015). Pengaruh Pendapatan, Manfaat, Kemudahan Penggunaan, Daya Tarik Promosi, Dan Kepercayaan Terhadap Minat Menggunakan Layanan E-money (Studi Kasus : Mahasiswa Universitas Brawijaya). Jurnal Ilmiah.
Ajzen, I. (1991). The Theory of Planned Behavior. Organizational Behavior and Human Decision Processes, 50(1991), 179–211.
Alalwan, A. A., Dwivedi, Y. K., & Rana, N. P. (2017). Factors influencing adoption of mobile banking by Jordanian bank customers: Extending UTAUT2 with trust. International Journal of Information Management, 37(3), 99–110.
Anonymous. (2019). Statistik Sistem Pembayaran.
Azali, K. (2016). Cashless in Indonesia Gelling Mobile E-frictions ? Journal of Southeast Asian Economies, 33(3), 364–386.
Bank for International Settlements. (1996). Implications for central banks of the development of electronic money. Bis.
Bank Indonesia. (2014). Sistem pembayaran. Retrieved from https://www.bi.go.id/id/ruang-media/siaran-pers/Pages/sp_165814.aspx
Boonsiritomachai, W., & Pitchayadejanant, K. (2017). Determinants affecting mobile banking adoption by generation Y based on the Unified Theory of Acceptance and Use of Technology Model modified by the Technology Acceptance Model concept. Kasetsart Journal of Social Sciences, 1–10.
Brohman, M. K., & Wong, W.-K. (2004). The Sustainability of a Smartcard for Micro e- Payments. Association for Information Systems.
Chan, S., & Lu, M. (2004). Understanding Internet Banking Adoption and Use Behavior: A Hong Kong Perspective. Journal of Global Information Management, 12(3), 21–43.
Chen, Y., & Barnes, S. (2007). Initial trust and online buyer behaviour. Industrial Management & Data Systems, 107(1), 21–36.
Dasgupta, S., Paul, R., & Fuloria, S. (2011). Factors Affecting Behavioral Intentions towards Mobile Banking Usage: Empirical Evidence from India. Romanian Journal Of Marketing, (1), 6–28.
Davis, F. D. (1989). Perceived Usefulness , Perceived Ease of Use , and User Acceptance of lnformation Technology. MIS Quarterly, 13(3), 319–340.
Eastman, J. K., Griffin, M., Williams, D. F., Liao-Troth, S., & Iyer, R. (2014). The Role of Involvement on Millennials’ Mobile Technology Behaviors: The Moderating Impact of Status Consumption, Innovation, and Opinion Leadership. Journal of Marketing Theory and Practice, 22(4), 455–470.
Goldsmith, R. E., Clark, R. A., & Goldsmith, E. B. (2016). Can an organization’s philanthropic donations encourage consumers to give? Journal of Consumer Behaviour, 7(2), 253–266.
Gu, J. C., Lee, S. C., & Suh, Y. H. (2009). Determinants of behavioral intention to mobile banking. Expert Systems with Applications, 36(9), 11605–11616.
Hair, J. F., Black, W. C., Babin, B. J., Anderson, R. E., & Tatham, R. L. (2006). Multivariate Data Analysis. New Jersey: Pearson Education, Inc.
Handayani, T., & Sudiana. (2015). Analisis Penerapan Model Utaut (Unified Theory of Acceptance and Use of Technology) Terhadap Perilaku Pengguna Sistem Informasi (Studi Kasus: Sistem Informasi Akademik Pada Sttnas Yogyakarta). Angkasa: Jurnal Ilmiah Bidang Teknologi, 7(2), 165–180.
Harris, H., Guru, B. K., & Avvari, M. V. (2011). E vidence of Firms’ Perception s T oward Electronic Payment Systems (EPS) in Malaysia. International Journal of Business and Information, 6(2), 226–245.
Hidayati, N., Lintangsari, N. N., Purnamasari, Y., Carolina, H., & Ramadhan, W. F. (2018). Analisis Pengaruh Instrumen Pembayaran Non-Tunai Terhadap Stabilitas Sistem Keuangan Di Indonesia. Jurnal Dinamika Ekonomi Pembangunan, 1(1), 47.
Hidayati, S., Nuryanti, I., Firmansyah, A., Fadly, A., & Darmawan, I. Y. (2006). Operasional E-Money.
Hill, R. J., Fishbein, M., & Ajzen, I. (1975). Belief, Attitude, Intention and Behavior: An Introduction to Theory and Research. Contemporary Sociology, 6(2), 244. https://doi.org/10.2307/2065853.
Im, I., Hong, S., & Kang, M. S. (2010). An international comparison of technology adoption. Information & Management, 48(1), 1–8.
Jorge, A.-G., Begoña, P.-P., & Maria, A. R.-J. (2015). Elderly and internet banking: An application of UTAUT2. Journal of Internet Banking and Commerce, 20(1), 1–23.
Junadi, & Sfenrianto. (2015). A Model of Factors Influencing Consumer’s Intention To Use E-payment System in Indonesia. Procedia Computer Science, 59(Iccsci), 214–220.
Khatimah, H., & Halim, F. (2016). The effect of attitude and its decomposed, perceived behavioral control and its decomposed and awareness on intention to use e-money mobile in Indonesia. Journal of Scientific Research and Development, 3(1), 39–50.
Laforet, S., & Li, X. (2005). Consumers’ attitudes towards online and mobile banking in China. International Journal of Bank Marketing, 23(5), 362–380.
Lee, M. C. (2009). Factors influencing the adoption of internet banking: An integration of TAM and TPB with perceived risk and perceived benefit. Electronic Commerce Research and Applications, 8(3), 130–141.
Lu, J., Yu, C. S., Liu, C., & Yao, J. E. (2003). Technology acceptance model for wireless Internet. Internet Research, 13(3), 206–222.
Mangold, W. G., & Smith, K. T. (2012). Selling to Millennials with online reviews. Business Horizons, 55(2), 141–153.
Martins, C., Oliveira, T., & Popovič, A. (2014). Understanding the internet banking adoption: A unified theory of acceptance and use of technology and perceived risk application. International Journal of Information Management, 34(1), 1–13.
Martowardojo, A. D. W. Peraturan Bank Indonesia tentang Uang Elektronik (2018). Bank Indonesia.
Morosan, C., & DeFranco, A. (2016). It’s about time: Revisiting UTAUT2 to examine consumers’ intentions to use NFC mobile payments in hotels. International Journal of Hospitality Management, 53, 17–29.
Noble, S. M., Haytko, D. L., & Phillips, J. (2009). What drives college-age Generation Y consumers? Journal of Business Research, 62(6), 617–628.
Norum, P. S. (2003). Examination of generational differences in household apparel expenditures. Family and Consumer Sciences Research Journal, 32(1), 52–75.
Oliveira, T., Faria, M., Thomas, M. A., & Popovič, A. (2014). Extending the understanding of mobile banking adoption: When UTAUT meets TTF and ITM. International Journal of Information Management, 34(5), 689–703.
Pratiwi, D. F., & Dewi, C. K. (2018). Factors (Benefits, Trust, Self-Efficacy, Ease of Use, Security) Affecting Consumer’s Perception on E-Money in Indonesia (Study on The Use of E-Money Mandiri, BCA, BNI, BRI). Jurnal Sekretari & Administrasi Bisnis, II(2), 24–37.
Priyambodo, L., Tjiptono, F., & Suyoto. (2016). M-Commerce in Indonesia : Problems and Prospects. International Journal of Computer Applications & Information Technology, I(September 2012).
Priyatama, A., & Apriansah. (2010). Correlation Between Electronic Money and the. Global Management Conference, (11), 1–6.
Rahmatsyah, D. (2011). Analisa Faktor – Faktor Yang Mempengaruhi Minat Penggunaan Produk Baru ( Studi Kasus : Uang Elektronik Kartu Flazz Bca ).
Salimon, M. G., Yusoff, R. Z. Bin, & Mohd Mokhtar, S. S. (2017). The mediating role of hedonic motivation on the relationship between adoption of e-banking and its determinants. International Journal of Bank Marketing, 35(4), 558–582.
Shim, S., & Drake, M. F. (1990). Consumer Intention to Utilize Electronic Shopping. Journal of Direct Marketing, 4(3), 22–33.
Shin, D. H. (2010). The effects of trust, security and privacy in social networking: A security-based approach to understand the pattern of adoption. Interacting with Computers, 22(5), 428–438. https://doi.org/10.1016/j.intcom.2010.05.001
Slade, E. L., Dwivedi, Y. K., Piercy, N. C., & Williams, M. D. (2015). Modeling Consumers ’ Adoption Intentions of Remote Mobile Payments in the United Kingdom : Extending UTAUT with Innovativeness , Risk , and Trust. Psychology & Marketing, 32(8), 860–873.
Soseco, T. (2016). Effect of e-Money to Economic Performance ( A Comparative Study of Selected Countries ) EFFECT OF E-MONEY TO ECONOMIC PERFORMANCE ( A COMPARATIVE STUDY OF SELECTED COUNTRIES ). The 2016 International Conference of Management Sciences.
Suri, T. (2017). Mobile Money. Annual Review of Economics, 9(1), 497–520.
Tan, J. D., Purba, J. T., & Widjaya, A. E. (2018). Financial Technology as an Innovation Strategy for Digital Payment Services in the Millenial Generation. Advances in Social Science, Education and Humanities Research, 292(Agc), 364–373.
Taylor, S., & Todd, P. A. (1995). Understanding Information Technology Usage: A Test of Competing Models. Institute for Operations Research and the Management Sciences.
Teoh, W. M.-Y., Chong, S. C., Lin, B., & Chua, J. W. (2013). Factors affecting consumers’ perception of electronic payment: An empirical analysis. Internet Research, 23(4), 465–485.
Utami, S. S., & Kusumawati, B. (2017). Faktor-Faktor yang Memengaruhi Minat Penggunaan E-money (Studi pada Mahasiswa STIE Ahmad Dahlan Jakarta ). Jurnal Balance, XIV(2).
Venkatesh, V., Morris, M. G., Davis, G. B., & Davis, F. D. (2003). User Acceptance of Information Technology: Toward a Unified View. MIS Quarterly, 27(3), 425.
Venkatesh, V., Thong, J., & Xu, X. (2012). Consumer acceptance and use of informationtechnology: extending the unified theory of acceptance and use of technology. MIS Quarterly, 36(1), 157–178.
Wulandari, D. ., Soseco, T., & Narmaditya, B. S. (2016). Analysis of the Use of Electronic Money in Efforts to Support the Less Cash Society. International Finance and Banking, 3(1), 1.
Yang, A. S. (2009). Exploring adoption in Mobile Banking Services. Canadian Journal of Administrative Sciences, 26(April), 136–149.
Yu, C.-S. (2012). Factors Affecting Individuals to Adopt Mobile Banking: Empirical Evidence from the UTAUT Model. Journal of Electronic Commerce Research, 13(2), 104–121.
Zhou, T. (2011). Understanding mobile Internet continuance usage from the perspectives of UTAUT and flow. Information Development, 27(3), 207–218.
Published
2020-02-28
How to Cite
GLADY, Jovlin Evrodita; RANTUNG, Rinny.
ANALISIS DETERMINAN NIAT MENGGUNAKAN E-MONEY DI KALANGAN MILLENNIALS DENGAN PENDEKATAN UTAUT.
Klabat Journal of Management, [S.l.], v. 1, n. 1, p. 90-104, feb. 2020.
ISSN 2722-726X.
Available at: <https://ejournal.unklab.ac.id/index.php/kjm/article/view/451>. Date accessed: 25 june 2025.
doi: https://doi.org/10.60090/kjm.v1i1.451.90-104.
Section
Articles
This work is licensed under a Creative Commons Attribution 4.0 International License.
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