Article Per Year (5 Year)
p-Index From 2020 - 2025
0.23
P-Index
This Author published in this journals
All Journal Jurnal Aplikasi Bisnis dan Manajemen (JABM) E-Journal Jurnal Manajemen Indonesia
Hafizh, Muhammad Damar
Unknown Affiliation
Decision Sciences, Operations Research & Management

Published : 2 Documents Claim Missing Document
Claim Missing Document
Check
Articles

Found 2 Documents
Search

 1 
FAKTOR -FAKTOR YANG MEMPENGARUHI PERSEPSI KONSUMEN E-PAYMENT (STUDI KASUS: PENGGUNA KARTU KREDIT DAN DEBIT DI KOTA BANDUNG) Damayanti Octavia; Muhammad Damar Hafizh
Jurnal Manajemen Indonesia Vol 19 No 1 (2019): Jurnal Manajemen Indonesia
Publisher : Fakultas Ekonomi dan Bisnis, Telkom University.

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.25124/jmi.v19i1.1980

Abstract

Technological advancements make many systems more modern, including in the financial sector. One of the innovations in banking technology is a non-cash payment system using cards, which are Credit Cards and Debit Cards. Bank Indonesia as the Central Bank in Indonesia issued one of the policies called Non-Cash National Movement (GNNT) to mobilize people using non-cash payment system. Given this policy, various factors that make people switching through the use of non-cash payment systems using cards. These factors are: Benefit, Trust, Self-Efficacy, Ease of Use and Security. These factors are the independent variables in this study that will be associated with the dependent variable Consumer Perceptions of e-payment. The research used quantitative method, based on the type of analysis used in this research is descriptive analysis and multiple linear analysis. The sample used in this study as many as 401 respondents who are users of Credit Card and Debit / ATM Card. Data collection using the Google Form online questionnaire. Processed data processing processed with the help of IBM SPSS version 25 software statistics. The results of this study shows that the response of respondents to the factors that affect consumer e-payment can be categorized both each variable and responses of respondents to consumer perceptions of e-payment included in the category very well. And the results of the influence of independent variables are: Benefit, Self-Efficacy, Ease of Use, and Security proved to have a significant effect on the dependent variable of consumer perceptions of e-payment partially or simultaneously. However, the variable of trust does not significantly influence consumer perception about e-payment partially. Keywords— E-Payment; Consumer Perception; Credit Card; Debit Card; Finance Technology. Abstrak Kemajuan teknologi saat ini membuat banyak sistem menjadi lebih modern, termasuk di bidang keuangan. Salah satunya pembaharuan dalam teknologi perbankan adalah sistem pembayaran non tunai menggunakan kartu, yaitu Kartu Kredit dan Kartu Debit. Bank Indonesia selaku Bank Sentral di Indonesia mengeluarkan salah satu kebijakan yang bernama Gerakan Nasional Non Tunai (GNNT) agar masyarakat bergerak menggunakan sistem pembayaran non-tunai. Dengan adanya kebijakan tersebut, banyak faktor yang membuat masyarakat berpindah menggunakan sistem pembayaran non tunai menggunakan kartu. Faktor-faktor tersebut adalah: Manfaat, Kepercayaan, Efikasi Diri, Kemudahan Penggunaan dan Keamanan. Faktor-faktor ini menjadi variabel bebas dalam penelitian yang akan dikaitkan dengan variabel terikat Persepsi Konsumen. Metode penelitian yang digunakan adalah metode kuantitatif. Berdasarkan tipe analisis pada penelitian ini yaitu analisis deskriptif dan analisis linear berganda. Sampel pada penelitian ini sebanyak 401 responden yang merupakan pengguna Kartu Kredit dan Kartu Debit. Pengumpulan data menggunakan kuisioner online Google Form. Pengolahan data yang didapat lalu diolah dengan software statistik IBM SPSS Versi 25. Hasil dari penelitian ini berupa tanggapan responden terhadap faktor-faktor yang mempengaruhi konsumen e-payment dapat dikategorikan baik tiap variabelnya serta tanggapan responden terhadap persepsi konsumen mengenai e-payment termasuk pada kategori sangat baik. Hasil uji pengaruh variabel bebas yaitu: Manfaat,Efikasi Diri, Kemudahan Penggunaan, dan Keamanan terbukti berpengaruh signifikan terhadap variabel dependen yaitu persepsi konsumen mengenai e-payment secara simultan maupun parsial. Namun secara parsial, variabel Kepercayaan tidak berpengaruh signifikan terhadap persepsi konsumen mengenai e-payment. Kata Kunci—E-Payment; Finansial Teknologi; Kartu Debit; Kartu Kredit; Persepsi Konsumen.
Factors Affecting Continuance Intention Towards Adoption of Linkaja Mobile Payment Hafizh, Muhammad Damar; Arif Imam Suroso; Ratono, Joko
Jurnal Aplikasi Bisnis dan Manajemen Vol. 10 No. 3 (2024): JABM, Vol. 10 No. 3, September 2024
Publisher : School of Business, Bogor Agricultural University (SB-IPB)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.17358/jabm.10.3.768

Abstract

Background: Technological developments make all activities easy, practical, and efficient, one of which occurs in instruments and payment systems that can be accessed mobile using a smartphone. LinkAja is one of the many mobile payment services in IndonesiaPurpose: This study examines the factors in the modified UTAUT2 model and factors affecting continuance intention in using LinkAja. Design/methodology/approach: The research analyzes the impact of factors within the modified UTAUT2 model on influencing continuance intention in using LinkAja, understanding respondent characteristics, and formulating managerial implications to enhance the continued use of LinkAja. The study involved 200 respondents who have used LinkAja, selected through purposive sampling. Data were collected through online questionnaires, and the analysis was conducted using Covariance-based Structural Equation Modeling (CB-SEM).Findings/Result: The results of this research reveal that time savings, user-friendliness, the influence of individuals' highly valued smartphone ownership, enthusiasm, cost savings, routines, and habits are crucial factors identified in the modified UTAUT2 model. Continuing to use LinkAja over alternatives is the key to continuance intention in using LinkAja. Performance expectancy, hedonic motivation, and habit significantly affect continuance intention in using LinkAja.Conclusion: This study identifies key factors from the modified UTAUT2 model that significantly affect the continuance intention of using LinkAja, such as performance expectancy, hedonic motivation, and habit. Managerial implications suggest that enhancing application reliability, introducing innovative features, and forming strategic partnerships can promote continued use of LinkAja.Originality/value (State of the art): This research uniquely applies a modified UTAUT2 model to mobile payments in Indonesia, identifying critical factors influencing the continued use of LinkAja. It enriches academic understanding and offers practical strategies for improving mobile payment systems. Keywords: CB SEM, Continuance Intention, LinkAja, Mobile Payment, UTAUT2
Co-Authors Arif Imam Suroso Damayanti Octavia Joko Ratono, Joko