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All Journal Jurnal Ekonomi, Bisnis dan Kewirausahaan (JEBIK) KINDAI : Kumpulan Informasi dan Artikel Ilmiah Manajamen dan Akuntansi
Radiany, M. Andri
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Economics, Econometrics & Finance

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PREDICTING USER ADOPTION OF DIGITAL PAYMENT PLATFORMS: A QUANTITATIVE ANALYSIS BASED ON UTAUT Radiany, M. Andri
KINDAI Vol 21 No 2 (2025): KINDAI
Publisher : JURNAL KINDAI

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35972/kindai.v21i2.2437

Abstract

This study investigates the influence of Performance Expectancy, Effort Expectancy, Social Influence, and Facilitating Condition on Behavioral Intention to use the OVO digital payment system in Indonesia. Utilizing a quantitative approach with regression and T-test analysis, data were collected from 150 respondents representing various age groups and genders. The analysis reveals that all four independent variables significantly and positively affect users’ behavioral intention to adopt and continue using OVO. Performance Expectancy has the strongest influence, followed by Facilitating Condition, Social Influence, and Effort Expectancy. These findings confirm that users are more likely to adopt OVO when they perceive it as useful, easy to use, socially supported, and adequately facilitated by infrastructure. The study provides important implications for fintech developers, policymakers, and marketers to enhance user adoption through targeted strategies tailored to these key determinants. Keywords: Behavioral Intention, Digital Payment System, Performance Expectancy, Effort Expectancy, Social Influence, Facilitating Condition
DIGITAL INFLUENCE ON HALAL TOURISM DECISION-MAKING: THE ROLE OF SOCIAL MEDIA, E-WOM, AND ISLAMIC INFLUENCERS Radiany, M. Andri; Amelia, Amelia; Purwanto, Nuri
Jurnal Ekonomi Bisnis dan Kewirausahaan Vol. 15 No. 1 (2026): Jurnal Ekonomi Bisnis dan Kewirausahaan (JEBIK)
Publisher : Fakultas Ekonomi dan Bisnis Universitas Tanjungpura

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26418/jebik.v15i1.100236

Abstract

This study examines the influence of social media, electronic word-of-mouth, and Islamic influencers on halal tourism decision-making among Indonesian Muslim consumers. It also investigates whether electronic word-of-mouth mediates the relationships between social media and halal tourism decisions and between Islamic influencers and halal tourism decisions. Primary data were collected through an online survey using purposive sampling, targeting Muslim consumers exposed to halal tourism information through digital platforms, particularly the “Indonesia Halal Tourism” Facebook community. A total of 300 valid responses were analyzed using Partial Least Squares Structural Equation Modeling. The findings reveal that social media and electronic word-of-mouth do not significantly influence halal tourism decisions. Islamic influencers have a significant but negative effect, suggesting possible skepticism toward promotional content perceived as commercial, inauthentic, or misaligned with Islamic values. Electronic word-of-mouth also does not mediate the proposed relationships. This study contributes by showing that digital influence in halal tourism depends on religious trust, perceived authenticity, message credibility, and Islamic value congruence. JEL: L83, M31, Z32.
Co-Authors Amelia Amelia Amelia Nuri Purwanto