Can Perceived Usefulness and Online Experiences Affect ShopeePay Fintech Usage by Millennial Muslims?
DOI:
https://doi.org/10.54471/iqtishoduna.v12i1.2146Keywords:
perceived usefulness, online customer experiences, fintech usage, millennial muslimAbstract
Financial Technology (Fintech) has been embedded in the community, especially to support their economic activities. The fintech usage provides convenience, so that users are increasingly widespread. This study aims to determine the effect of perceived usefulness and online experiences on the fintech usage with trust as a mediating variable. This study used a quantitative approach by distributing questionnaires to 102 millennial Muslims in Solo Raya. Questionnaires filled out by participants were processed using the IBM SPSS Statistics Version 26. The results showed that perceived usefulness had an effect on fintech usage, while online experiences had no effect on fintech usage. Among perceived usefulness, online experiences, and fintage usage, there was trust. However, trust could not mediate between perceived usefulness and online experiences on the fintech usage. This research will contribute to fintech developers in managing their technology by taking into account perceived usefulness, online experiences, and trust factors.
Downloads
References
Abad-Segura, Emilio, Mariana Daniela González-Zamar, Eloy López-Meneses, and Esteban Vázquez-Cano. “Financial Technology: Review of Trends, Approaches and Management.” Mathematics 8, no. 6 (2020).
Alalwan, Ali Abdallah, Yogesh K. Dwivedi, Nripendra P.P. Rana, and Michael D. Williams. “Consumer Adoption of Mobile Banking in Jordan: Examining the Role of Usefulness, Ease of Use, Perceived Risk and Self-Efficacy.” Journal of Enterprise Information Management 29, no. 1 (2016).
Amin, Muslim, Sajad Rezaei, and Maryam Abolghasemi. “User Satisfaction with Mobile Websites: The Impact of Perceived Usefulness (PU), Perceived Ease of Use (PEOU) and Trust.” Nankai Business Review International 5, no. 3 (2014).
Arieska, Permadina Kanah, and Novera Herdiani. “Pemilihan Teknik Sampling Berdasarkan Perhitungan Efisiensi Relatif.” Jurnal Statistika 6, no. 2 (2018).
Baihaqi, Ahmad. “Internet Gratis Merata Di Penjuru Desa Sudah, Layanan Digital Selanjutnya.” Solopos.Com.
Barbu, Cătălin Mihail, Dorian Laurenţiu Florea, Dan Cristian Dabija, and Mihai Constantin Răzvan Barbu. “Customer Experience in Fintech.” Journal of Theoretical and Applied Electronic Commerce Research 16, no. 5 (2021).
Basri, M Muinudinillah, and Syafruddin Maulana. “الشذوذ الجنسية عند المذاهب الأربعة والقانون العقوبات الإندونيسي.” Profetika: Jurnal Studi Islam 19, no. 2 (2018).
Bhattacherjee, Anol. “Understanding Information Systems Continuance: An Expectation-Confirmation Model.” MIS Quarterly: Management Information Systems 25, no. 3 (2001).
Chawla, Deepak, and Himanshu Joshi. “Consumer Attitude and Intention to Adopt Mobile Wallet in India – An Empirical Study.” International Journal of Bank Marketing 37, no. 7 (2019).
Chen, Ying Hueih, Shu Hua Chien, Jyh Jeng Wu, and Pei Yin Tsai. “Impact of Signals and Experience on Trust and Trusting Behavior.” Cyberpsychology, Behavior, and Social Networking 13, no. 5 (2010).
Chuang, Li-Min, Chun-Chu Liu, and Hsiao-Kuang Kao. “The Adoption of Fintech Service: TAM Perspective.” International Journal of Management and Administrative Sciences (IJMAS 3, no. 07 (2016).
Dewi, Cok Rika Antari, Ni Nyoman Kerti Yasa, I Gusti Ayu Ketut Giantari, Tjokorda Gde Raka Sukawati, Putu Yudi Setiawan, and Made Setini. “The Effect of Security, Trust and Ease of Use towards Repurchase Intentions Mediated by E-Satisfaction on Online Travel Agent.” Journal of Advanced Research in Dynamical and Control Systems 12, no. 8 (2020).
Duane, Aidan, Philip O’Reilly, and Pavel Andreev. “Realising M-Payments: Modelling Consumers’ Willingness to M-Pay Using Smart Phones.” Behaviour and Information Technology 33, no. 4 (2014).
Faiza, Arum, and Sabila J Firda. Arus Metamorfosa Milenial. Penerbit Ernest, 2018.
Faiza, Arum, and Sabila J Firda. Arus Metamorfosa Milenial. Penerbit Ernest, 2018.
Fauzia, Mutia. “Simpel, Langkah Aktivasi Dan Cara Mengisi ShopeePay.” Kompas.Com.
Fenando, Fenando. “Implementasi E-Commerce Berbasis Web Pada Toko Denia Donuts Menggunakan Metode Prototype.” JUSIFO (Jurnal Sistem Informasi) 6, no. 2 (2020).
Gatot Efrianto, and Nia Tresnawaty. “Pengaruh Privasi, Keamanan, Kepercayaan Dan Pengalaman Terhadap Penggunaan Fintech Di Kalangan Masyarakat Kabupaten Tangerang Banten.” Jurnal Liabilitas 6, no. 1 (2021).
Gefen, David, Elena Karahanna, and Detmar W. Straub. “Trust and Tam in Online Shopping: AN Integrated Model.” MIS Quarterly: Management Information Systems 27, no. 1 (2003).
Ghozali, Imam. Aplikasi Analisis Multivariate Dengan Program IBM SPSS 23, 2016.
Granita, Ingri. “Financial Technology Di Indonesia.” Jurnal Teknologi Informasi 2, no. 1 (2020).
Hao Suan Samuel, Lee, M. S. Balaji, and Khong Kok Wei. “An Investigation of Online Shopping Experience on Trust and Behavioral Intentions.” Journal of Internet Commerce 14, no. 2 (2015).
Hiru, Muhammad. “Yogyakarta Targetkan 1.000 Titik Wifi Publik Tersebar Di Seluruh RW.” Republika.Co.Id.
Hu, Zhongqing, Shuai Ding, Shizheng Li, Luting Chen, and Shanlin Yang. “Adoption Intention of Fintech Services for Bank Users: An Empirical Examination with an Extended Technology Acceptance Model.” Symmetry 11, no. 3 (2019).
HurYeon, and Lim se hun. “An Empirical Study on the Impact of the Perceived Securities and Trust to Diffusion of IoT-Based Smart Banking Services - Focusing on University Students -.” Journal of Insurance and Finance 28, no. 1 (2017).
Iskandar, Diah. “The Use of The Financial Technology (Fintech) System Is Reviewed from Society Perception : Attiude, Interest, Motivation, Experience & Hope.” EPRAInternational Journal of Multidisciplinary Research 5, no. June (2019).
Jaenudin, Riswan. “Konsep ‘Manusia Ekonomi’ Dalam Pembangunan Ekonomi Dan Pendidikan.” Jurnal Profit 1 (2014).
Karolina, Monika, and Naniek Noviari. “Pengaruh Persepsi Sikap, Norma Subjektif Dan Persepsi Kontrol Perilaku Terhadap Kepatuhan Wajib Pajak Orang Pribadi.” E-Jurnal Akuntansi 28, no. 2 (2019).
Khan, Muhammad Umair, Akram Ahmad, Muhammad Fayyaz, Nida Ashraf, and Akshaya Bhagavathula. “Exploring the Intentions of Pharmacy Students towards Pharmacy Ownership by Using Theory of Planned Behaviour.” BMC Research Notes 9, no. 1 (2016).
Kim, Dan J. “An Investigation of the Effect of Online Consumer Trust on Expectation, Satisfaction, and Post-Expectation.” Information Systems and e-Business Management 10, no. 2 (2012).
Lagna, Andrea, and M. N. Ravishankar. “Making the World a Better Place with Fintech Research.” Information Systems Journal 32, no. 1 (2022).
Lim, Se Hun, Dan J. Kim, Yeon Hur, and Kunsu Park. “An Empirical Study of the Impacts of Perceived Security and Knowledge on Continuous Intention to Use Mobile Fintech Payment Services.” International Journal of Human-Computer Interaction 35, no. 10 (2019).
liputan6.com. “Sederet Bukti Industri Fintech Di Indonesia Berkembang Pesat.” Last modified 2022. https://www.liputan6.com/regional/read/4931626/sederet-bukti-industri-fintech-di-indonesia-berkembang-pesat.
Ludiyanto, Akhmad. “Hore, Sekarang Bisa Internetan Gratis Di Alun-Alun Karanganyar Lur.” Solopos.Com.
Malia, Indiana. “3 Cara Transfer ShopeePay Ke Rekening Bank.” Idntimes.Com.
Mondego, Domingos, and Ergun Gide. “The Effect of Trust on Mobile Payment Adoption: A Comprehensive Review of Literature.” International Journal of Arts & Sciences 11, no. 01 (2018).
Munandar, Aris. “Ada Wifi Gratis, Warga Ronggojati Wonogiri Kini Irit Biaya Kuota Internet.” Solopos.Com.
Nirmawan, Handri Mufti, and Winny Astiwardhani. “The Effect of Perceived Cost, Trust, Usefulness, And Customer Value Addition on Intention to Use of Go-Pay Mobile Payment Services In Small Traders.” Journal of Business and Management Review 2, no. 10 (2021): 715–732.
Pi, Shih-Ming, Hsiu-Li Liao, and Hui-Min Chen. “Factors That Affect Consumers’ Trust and Continuous Adoption of Online Financial Services.” International Journal of Business and Management 7, no. 9 (2012).
Prakoso, Taufiq Sidik. “Asyik, 10 Lokasi Di Klaten Ini Dipasangi Fasilitas Wifi Gratis.” Solopos.Com.
Putri, Rizqa Leony. “Persaingan Marketplace Kian Memanas, Ini Juara E-Commerce 2021 Di Indonesia!” INews.Id.
Rizal, Jawahir Gustav. “Mengenal Apa Itu Generasi Baby Boomers, X, Y, Z, Millenials, Dan Alpha.” Kompas.Com.
Rohimat, Asep Maulana. Metodologi Studi Islam: Memahami Islam Rahmatan Lil’alamin. 1st ed. Yogyakarta: Gerbang Media Pustaka, 2018.
———. Ushul Fiqh Kontemporer. 1st ed. Vol. 1. Yogyakarta: Lintang Media Utama, 2021.
Rohimat, Asep Maulana, Helti Nur Aisyiah, and Septi Kurnia Prastiwi. “The Moslem Community’s Perceptions in Using ShopeePay: Fintech as a Mediator for Purchasing MSME’s Products.” Relevance: Journal of Management and Business 4, no. 2 (January 9, 2022): 078–094.
Sevima. “5 Keuntungan Bayar Pakai Shopeepay, Mudah & Dapat Cashback.” Sevima.Com.
Shiau, Wen Lung, Ye Yuan, Xiaodie Pu, Soumya Ray, and Charlie C. Chen. “Understanding Fintech Continuance: Perspectives from Self-Efficacy and ECT-IS Theories.” Industrial Management and Data Systems 120, no. 9 (2020).
Stojanović, Branka, Josip Božić, Katharina Hofer-Schmitz, Kai Nahrgang, Andreas Weber, Atta Badii, Maheshkumar Sundaram, Elliot Jordan, and Joel Runevic. “Follow the Trail: Machine Learning for Fraud Detection in Fintech Applications.” Sensors 21, no. 5 (2021).
Sudiatmika, I Made Aditya, and Putu Ayu Pramitha Purwanti 2. “The Effect of Fintech Transactions, E-Commerce, and Human Resources Quality on the Competitiveness of Small Medium Apparel Industries in Denpasar City.” American Journal of Humanities and Social Sciences Research, no. 3 (2020).
Suharsih. “Alun-Alun Sragen Dilengkapi Wifi Gratis 20 Mbps.” Solopos.Com.
Sulbha, Wagh. “Public Health Research Guide: Primary & Secondary Data Definitions.” Benedictine University (2021).
Tayibnapis, Radita Gora. “The Effect of Diffusion of Fintech Information through Social Media on Changes in Payment Transaction Patterns among Young People in Jakarta.” International Journal of Multicultural and Multireligious Understanding 7, no. 9 (2020).
Tuasikal, Muhammad Abduh. “Hadits Arbain #11: Tinggalkanlah Yang Meragukanmu.” Rumaysho.
Ventre, Ivan, and Diana Kolbe. “The Impact of Perceived Usefulness of Online Reviews, Trust and Perceived Risk on Online Purchase Intention in Emerging Markets: A Mexican Perspective.” Journal of International Consumer Marketing 32, no. 4 (2020).
Walfajri, Maizal. “Tiga Langkah Strategis ShopeePay Meningkatkan Layanannya.” Kontan.Co.Id.
Wilson, Kyle M., Shiyan Yang, Trey Roady, Jonny Kuo, and Michael G. Lenné. “Driver Trust & Mode Confusion in an On-Road Study of Level-2 Automated Vehicle Technology.” Safety Science 130 (2020).
Xia, Menglong, Yang Zhang, and Chen Zhang. “A TAM-Based Approach to Explore the Effect of Online Experience on Destination Image: A Smartphone User’s Perspective.” Journal of Destination Marketing and Management 8 (2018).
Yasmiartha, Made Adhiya Wikannanda Vidya. “Pengaruh Fenomena Cashless Society Terhadap Gaya Hidup Mahasiswa Di Jakarta.” Edukasi IPS 3, no. 2 (2020).
Yosep, Mohamad Arfiman, Yoyo Sudaryo, Astrin Kusumawardan, and Nandan Limakrisna. “Implementation of Digital Marketing to Increase Satisfaction and Impact on The Image of Banking PT Bank Central Asia Tbk.” Journal of Accounting and Finance Management 1, no. 1 (2020).
Downloads
Published
How to Cite
Issue
Section
License
Copyright (c) 2023 Helti Nur Aisyiah, Septi Kurnia Prastiwi , Asep Maulana Rohimat
This work is licensed under a Creative Commons Attribution 4.0 International License.
The journal can be accessed publicly, which means that all content is provided freely accessible without charge to either the user or the institution. Users are allowed to read, download, copy, distribute, print, search, or cite to the full text of the article did not have to ask permission from the publisher or author.
