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All Journal Jurnal Ilmiah MEA (Manajemen, Ekonomi, dan Akuntansi) International Journal of Accounting and Management Information Systems
Wahyuningtyastuti, Indrajati
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Decision Sciences, Operations Research & Management Economics, Econometrics & Finance

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Understanding continued BNPL usage behavior in e-commerce: extended UTAUT2 with usage intention mediation Wahyuningtyastuti, Indrajati; Ariyanti, Maya
International Journal of Accounting and Management Information Systems Vol. 3 No. 1 (2025): February
Publisher : Goodwood Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35912/ijamis.v3i1.3254

Abstract

Purpose: This study aims to utilize an enhanced UTAUT2 model to examine the determinants influencing Indonesian customers' intentions and behaviors regarding the continued use of BNPL e-commerce services. Research/methodology: A quantitative cross-sectional survey was conducted with 450 users of BNPL services Indonesian e-commerce platforms, and the data were analyzed using structural equation modeling to assess direct and indirect relationships. Results: Performance expectancy, effort expectancy, trust, and habit significantly influenced continued usage, whereas perceived benefits and risks showed no significant impact among experienced digital users. Conclusions: Performance Expectancy, Effort Expectancy, and Trust are important drivers of the continued use of Buy Now Pay Later (BNPL) e-commerce services among Indonesian users, according to this study, which also shows that habit is the most important predictor of actual usage behavior. Limitations: The geographic breadth is limited to Indonesia, with possible selection bias toward current users, the sample focus on younger demographics impacts generalizability, and the cross-sectional methodology restricts causal inference. Contribution: This study contributes to fintech adoption theory by demonstrating the theoretical redundancy of traditional risk-benefit constructs in mature digital user contexts and emphasizing habit formation over initial adoption factors.
FAKTOR-FAKTOR YANG MEMPENGARUHI POST USE TRUST DAN CONTINUOUS USE INTENTION APLIKASI SATU SEHAT Wahyuningtyastuti, Indrajati; Candiwan, Candiwan
Jurnal Ilmiah Manajemen, Ekonomi, & Akuntansi (MEA) Vol 8 No 2 (2024): Edisi Mei - Agustus 2024
Publisher : LPPM STIE Muhammadiah Bandung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31955/mea.v8i2.4327

Abstract

Satu sehat yang merupakan layanan Kesehatan publik yang disediakan pemerintah Indonesia untuk memberikan pelayanan yang lebih efektif dan efisien. Satu sehat yang awalnya digunakan pada masa pandemi Covid-19 dengan nama Peduli Lindungi sempat memiliki jumlah pengguna mencapai 105 juta pengguna akan tetapi pada Maret 2023 turun drastis menjadi 1 juta pengguna saja. Pada penelitian ini akan menyelidiki dan menganalisis dampak dari perceived service quality, perceived risk, trust in government, dan trust in internet terhadap post use trust Aplikasi Satu Sehat/Peduli Lindungi dan dampak dari post use trust, perceived usefulness, dan satisfaction terhadap niat penggunaan berkelanjutan. Data yang dikumpulkan pada penelitian ini melalui kuesioner online dan mencapai jumlah sampel sejumlah 256 orang untuk pengguna Satu Sehat/Peduli Lindungi. Hasil penelitian menunjukkan bahwa indikator yang mempengaruhi post use trust meliputi perceived risk, trust in government, dan trust in internet serta yang mempengaruhi niat penggunaan berkelanjutan meliputi post use trust, satisfaction, dan perceived usefullness. Sehingga pada penelitian ini menyimpulkan bahwa niat pengggunaan berkelanjutan belum terlalu tinggi. Sehingga pada penelitian ini menyarankan penyebaran atau sosialisasi terkait aplikasi layanan kesehatan publik satu sehat ini dilakukan lebih meluas dengan diberikan sosialisasi serta bantuan teknis penggunaan.
Co-Authors Candiwan Maya Ariyanti