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All Journal Mobile and Forensics Scientific Journal of Informatics
Muhammad Ulfi
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Computer Science & IT Control & Systems Engineering Decision Sciences, Operations Research & Management Electrical & Electronics Engineering Engineering Library & Information Science Neuroscience

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Digital Financial Transformation in Indonesia: Non-Cash Usage Via Modified UTAUT2 With Trust Ardy Nuswantoro, Setio; Muhammad Ulfi; Sahwari, Sahwari; Linda, Linda; Damayanti, Amara
Mobile and Forensics Vol. 6 No. 2 (2024)
Publisher : Universitas Ahmad Dahlan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.12928/mf.v6i2.11709

Abstract

Digital payments are transforming the financial landscape in Indonesia, offering fast and efficient services that meet the growing demand for cashless transactions. This study analyzes the factors influencing digital payment adoption using the UTAUT2 model, with the addition of Trust as a critical factor. Cluster analysis was also conducted using the k-prototype algorithm to see their characteristics and perceptions about digital payments. A survey was conducted from June to August 2024, gathering 451 responses from users of digital payment services. The data were analyzed using structural equation modeling to test 13 hypotheses. Of these, 10 hypotheses were accepted, indicating that Effort Expectancy, Performance Expectancy, Social Influence, Facilitating Conditions, Hedonic Motivation, Habit, and Trust significantly influence Behavioral Intention. Social Influence and Facilitating Conditions also directly impacted trust, which further strengthened users' intention to adopt digital payments. However, Price Value did not significantly affect Behavioral Intention, and Habit was not a strong predictor of continued use behavior. Trust emerged as a key factor in driving user engagement and long-term adoption. The study highlights that while convenience and social influence are crucial, trust in digital payment services is essential for sustaining user adoption. Cluster analysis divides respondents into four clusters, where the first, second, and third clusters are from young people with different perceptions about digital payment and the fourth cluster is from mature people who are mostly working as teachers or lecturers. These findings offer valuable insights into promoting digital payment usage and supporting Indonesia’s shift towards a digital economy.
Identification of Factors Influencing the Use of QRIS Using TAM and UTAUT 2 Methods Nuswantoro, Setio Ardy; Muhammad Ulfi; Miftahurrizqi; Muhammad Rafli
Scientific Journal of Informatics Vol. 11 No. 2: May 2024
Publisher : Universitas Negeri Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15294/sji.v11i2.3562

Abstract

Purpose: This research aims to analyze user behavior towards Quick Response Code Indonesian Standard (QRIS) usage, employing the Unified Theory of Acceptance and Use of Technology 2 (UTAUT2) and Technology Acceptance Model (TAM) methods. Methods: Online surveys were conducted among QRIS users, focusing on factors influencing adoption intention and usage behavior in Indonesian society. Sampling was random, with a sample size determined for a 95% confidence level and 5% margin of error. Data analysis employed Confirmatory Factor Analysis (CFA) for validity and reliability testing, followed by Structural Equation Modeling (SEM) to assess model fit. Result: The research results indicate the validity and reliability of the structural model, with Performance Expectancy significantly impacted by Effort Expectancy. However, Effort Expectancy insignificantly affects Behavioral Intention and Use Behavior, consistent with previous research. But when Effort Expectancy and Performance are used as mediating variables between Perceived Trust and Behavioral Intention, they have a significant impact on this relationship. Social Influence also insignificantly affects Behavioral Intention and Use Behavior. Facilitating Condition, Perceived Trust, Hedonic Motivation, Price Value, and Habit demonstrate significant impacts on Behavioral Intention and Use Behavior, reaffirming prior findings. Some variables also have a big influence on other variables, such as Perceived Trust has major impact to Effort Expectancy, and Habit which has a major impact on Behavioral Intention and Use Behavior as a whole. Additionally, Behavioral Intention significantly affects Use Behavior. Novelty: Effort Expectancy insignificantly affects Behavioral Intention and Use Behavior. However, when Effort Expectancy and Performance are used as mediating variables between Perceived Trust and Behavioral Intention, they have a significant impact on this relationship. Some variables also have a big influence on other variables, such as Perceived Trust has major impact to Effort Expectancy, and Habit which has a major impact on Behavioral Intention and Use Behavior as a whole. This study contributes to understanding QRIS adoption and usage behavior, offering insights for policymakers and practitioners in the digital payment sector.
Co-Authors Ardy Nuswantoro, Setio Damayanti, Amara Linda Linda Miftahurrizqi Muhammad Rafli sahwari, Sahwari Setio Ardy Nuswantoro