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Journal : JURNAL SISTEM INFORMASI BISNIS

The Impact of The Utilization of Electronic Payment Moderated by Financial Technology Innovation on Financial Technology Payment in Indonesia Surjadi, Julisar; Supriatna, Dicky; Debora, Debora
Jurnal Sistem Informasi Bisnis Vol 15, No 1 (2025): Volume 15 Number 1 Year 2025
Publisher : Diponegoro University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.14710/vol15iss1pp52-59

Abstract

Information technology is currently developing rapidly and covers many aspects of people's lives. The development of information technology also includes in the financial sector. The development of information technology in the financial sector is referred to as Financial Technology. The purpose of this study was to test and analyze The Utilization of Electronic Payment moderated by Financial Technology Innovation on Financial Technology Payment in Indonesia. The theories used in this study are the Technology Acceptance Model (TAM) and the Unified Theory of Acceptance and Use of Technology (UTAUT), Electronic Payment, Financial Technology, Diffusion of Innovation Theory, and Financial Technology Payment. Diffusion of Innovation (DOI) Theory in 1962, making it one of the earliest social science theories. A theory known as "diffusion of innovations" aims to explain how, why, and how quickly new concepts and technologies proliferate. Everett Rogers made the theory more widely known in his 1962 book Diffusion of Innovations. The research method used in this research is quantitative methods with primary data obtained from distributing questionnaires using Google Form. The data were collected from 316 respondents. The questionnaire was structured using a Likert Scale of 1-5 (Strongly Disagree - Strongly Agree). The research data were analyzed using the Structural Equation Model (SEM) with WarpPLS7. The results showed that The Utilization of Electonic Payment accepted with P Value < 0.01 to Financial Technology Payment in Indonesia. The Information Technology Innovation variable can act as a moderating variable between The Utilization Electronic Payment and Financial Technology Payment  in Indonesia with P Value = 0.01
Co-Authors Agung Samudra Aminarti, Dinny Araisya, Tristan Noa Arsyadona, Arsyadona Ashabul Kahpi Barus, Elfriza Putri Debora Paninsari DESTRIANA, NICKEN DUTA, KHALISHAH Elfrida, Rotua Elisa, Samuel Esther, July Farida, Florence Ginting, Putri Lestari Br Gloria, Gloria Gultom, Jeges Imanuelita Haposan Siallagan Harianja, Dame Arta Herlina Manullang Hutabarat, Glory Estefany Janpatar Simamora Junita Batubara, Junita Khairat, UL LUMBAN GAOL, MANATAP BERLIANA Mahameru, Erucakra Mare, Chandra P Simare Maulana, Fazar Muslihan, Muslihan Nainggolan, Jesella Nainggolan, Jesella Ramayanti Ndruru, Donius Nopeline, Nancy Pakpahan, Joel Fredly Pakpahan, Katryn NN Pratama, Alexander Yudho Purba, Paska Riando Raden Mohamad Herdian Bhakti Rajagukguk, Elis Yesika Br Refamati Gulo Romualdo Siregar, Boni Halomoan Sahapudi, Syalom Denish Imanuell Sangjik, Lee Siahaan, Lestari Siahaan, Yanti Tiara Br Siallagan, Risna Martina Sidauruk, Jinner Sidauruk, Rizky Sihombing, Sherina Elizabeth Sihombing, Tirani Sihotang, Glen Peprido Silalahi, Teddy Simalango, Reza Yolawtry Simanjuntak, Marta Sonya Apriani Simanungkalit, Irfandy H Simbolon, Absanado Simbolon, Dian Lorenjaya Sipahutar, Pitra Regina Siregar, Putri Eunike Siswoyo Siswoyo Sitorus, Bethsaidah Putri Situmeang, Imelia Sari SUPRIATNA, DICKY Surjadi, Julisar Susanti Susanti Susila, Akbar Yudha Sutrisno, Paulina Syeba, Sulamit Tambunan, Mika Thensia Tandy, Jessica Amanda U.Z. Mikdar Victoria, Auginae Maria Vontas Alfenny Nahan Wau, Yesdita Rohanita WIJAYA, NOVIA William, Benjamin Frans Wong, Colleen Yoon, Phil Yuliani Yuliani