Pengembangan Niat Adopsi Mobile Wallet: Integrasi Model UTAUT2 dengan Social Connectedness dan Culture
DOI:
https://doi.org/10.26593/jrsi.v10i2.4374.145-160Kata Kunci:
adopsi mobile wallet, culture, social connectedness, UTAUT2Abstrak
Teknologi smartphone telah berkembang pesat di seluruh dunia. Hal ini memungkinkan berbagai perusahaan, termasuk institusi keuangan untuk meningkatkan layanan bagi pelanggan. Mobile wallet merupakan sistem pembayaran tanpa uang tunai yang dilakukan dengan menggunakan telepon seluler. Sejak 2010, Bank Indonesia sudah mendorong penggunaan sistem pembayaran tanpa uang tunai, termasuk mobile wallet. Meskipun usaha telah dilakukan penggunaan sistem pembayaran uang tunai di Indonesia masih rendah. Penelitian ini mempelajari hal yang menentukan niat konsumen untuk mengadopsi mobile wallet. Model penelitian yang diusulkan dibuat berdasarkan model Unified Theory of Acceptance and Use of Technology 2 (UTAUT2). Penelitian ini memberikan kontribusi teoretis dengan mengintegrasikan model UTAUT2 dengan social connectedness dan culture. Model yang diusulkan diuji secara empiris berdasarkan 139 data konsumen di Indonesia. Pengujian model pengukuran dan model struktural dilakukan dengan menggunakan partial least square structural equation modeling. Penelitian ini menemukan bahwa performance expectancy, hedonic motivation, price value, dan habits secara signifikan mempengaruhi niat konsumen untuk mengadopsi mobile wallet. Penelitian ini juga menemukan bahwa social connectedness secara signifikan mempengaruhi performance expectancy dan effort expectancy. Temuan penelitian ini menawarkan kontribusi praktis bagi penyedia jasa layananan mobile wallet untuk dapat mengembangkan strategi yang efektif untuk meningkatkan jumlah pengguna mobile wallet di Indonesia.
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