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All Journal Dinasti International Journal of Economics, Finance & Accounting (DIJEFA) Jurnal Terapan Manajemen dan Bisnis
Darmasari, Elita
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Decision Sciences, Operations Research & Management Economics, Econometrics & Finance

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ANALISIS PENGARUH PERSEPSI MANFAAT, KEMUDAHAN PENGGUNAAN, DAN KEPERCAYAAN TERHADAP MINAT MENGGUNAKAN APLIKASI OVO (STUDI PADA PENGGUNA APLIKASI OVO DI KOTA SINGKAWANG) Sudarso, Erik; Darmasari, Elita
JURNAL TERAPAN MANAJEMEN DAN BISNIS Vol 11, No 2 (2025): VOLUME 11 NUMBER 2 (2025)
Publisher : STKIP Singkawang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26737/jtmb.v11i2.7993

Abstract

Tujuan dari penelitian ini adalah untuk mengetahui pengaruh persepsi manfaat, kemudahan penggunaan, dan kepercayaan terhadap minat menggunakan aplikasi OVO pada pengguna aplikasi OVO di kota Singkawang. Metode penelitian yang digunakan pada penelitian ini berupa metode kuantitatif deskriptif. Jenis data yang diperoleh berupa data primer yang meliputi kuesioner dan observasi, kemudian data sekunder berupa buku, situs, atau dokumen lainnya. Teknik pengumpulan data pada penelitian ini berupa kuesioner yang disebarkan melalui google form. Populasi dan sampel dalam penelitian ini yaitu berjumlah 100 responden yang pernah atau sedang menggunakan aplikasi OVO di kota Singkawang. Aplikasi yang digunakan untuk mengelola data dalam penelitian ini yaitu software SPSS versi 25. Hasil penelitian menunjukan bahwa variabel persepsi manfaat, kemudahan penggunaan, dan kepercayaan berpengaruh positif terhadap minat minat menggunakan aplikasi OVO di kota Singkawang
Bridging Borders through Financial Technology: Analysis of the Factors that Influence the Adoption of Fintech MSMEs in Indonesia's Front Yard Warsiningsih, Tina; Khumaira, Shahnaz; Darmasari, Elita; Wijaya, Nova; Putranto, Galih
Dinasti International Journal of Economics, Finance & Accounting Vol. 6 No. 5 (2025): Dinasti International Journal of Economics, Finance & Accounting (November - De
Publisher : Dinasti Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.38035/dijefa.v6i5.5300

Abstract

Bridging Borders through Financial Technology: An Analysis of Determinants of Fintech Adoption among MSMEs in Indonesia's Border Regions. This study aims to identify and analyze the factors that influence the intention to adopt financial technology among Micro, Small, and Medium Enterprises (MSMEs) in Indonesia's border regions. As fintech services continue to grow rapidly, a deep understanding of the drivers and barriers to technology adoption is crucial for enhancing financial inclusion in the SME sector, particularly in border regions with unique socio-economic characteristics. The study employs a quantitative approach using Partial Least Squares Structural Equation Modeling to analyze data from 300 SME respondents across various border regions in Indonesia. The variables studied include perceived usefulness, perceived ease, social influence, sense of security, and digital financial literacy, with control variables such as education level, age, residence, and proximity to the border. The results indicate that all independent variables have a significant positive influence on the intention to adopt fintech, with a stronger effect on SMEs in border regions. Digital financial literacy was found to moderate the relationships between variables, while proximity to the border strengthens all relationships in the model. This study contributes to the development of an inclusive and sustainable fintech ecosystem in Indonesia's border regions.
Co-Authors Khumaira, Shahnaz PUTRANTO, GALIH Sudarso, Erik Warsiningsih, Tina Wijaya, Nova