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All Journal Assets : Jurnal Ekonomi, Manajemen dan Akuntansi Indonesia Berdampak: Jurnal Pengabdian Kepada Masyarakat
Verni
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Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Environmental Science Social Sciences Other

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MEDIATING ROLE OF TRUST IN TAM AND DIRECT UTAUT EFFECTS ON DIGITAL PAYMENT INTENTION Budiman, Johny; Verni; Kesumahati, Erilia
Assets: Jurnal Ekonomi, Manajemen, dan Akuntansi Vol 15 No 2 (2025): Assets : Jurnal Ekonomi, Manajemen dan Akuntansi
Publisher : Universitas Islam Negeri Alauddin Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24252/assets.v15i2.62493

Abstract

This study examines the factors influencing consumers' readiness to embrace digital payment systems, with the objective of enhancing a customer-centric approach to the implementation of financial technology. Structured questionnaires were used in a quantitative approach with a total 314 data collected, and SPSS was used for descriptive analysis, and SmartPLS to look at the structural relationships between the constructs. Perceived ease of use, perceived usefulness, performance expectancy, social influence, and trust (as a mediating factor) are the main variables. The results show that perceived usefulness (p = 0.027), trust (p = 0.000), performance expectancy (p = 0.000), and social influence (p = 0.000) are all positively correlated with the intention on digital payments. Trust demonstrated a significant mediating role in strengthening these relationships. However, perceived ease of use (p = 0.586) did not show a significant impact on intention. These results highlight the importance of trust in digital payment adoption and suggest that future studies may focus on MSMEs’ readiness for financial technology integration. Keywords: Perceived Ease of Use, Perceived Usefulness, Trust, Performance Expectancy, Social Influence, Intention on Digital Payment  
Implementasi Digital Promotion Bilingual untuk Meningkatkan Daya Saing UMKM Cahaya Pancing Johny Budiman; Verni
Indonesia Berdampak: Jurnal Pengabdian kepada Masyarakat Vol. 1 No. 2 (2025): JULI-DESEMBER
Publisher : Indo Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.63822/qrrws081

Abstract

The development of digital technology requires MSMEs to adapt in order to increase their competitiveness and expand their market reach. Cahaya Pancing MSME, which is engaged in the sale of fishing equipment and supplies in Batam City, still relies on conventional marketing and has not made optimal use of digital media. This community service activity aims to help Cahaya Pancing SME build and optimize its digital presence through the implementation of a bilingual digital promotion strategy (Indonesian and English). The method used is a qualitative approach through interviews and field observations to identify the needs and problems of partners. Based on the analysis results, the design and implementation of outputs were carried out in the form of creating business emails, Instagram and Facebook social media accounts, business logos, Linktree, bilingual digital content, as well as assistance in content management and digital promotion. The results of the activity showed an increase in social media activity, customer interaction, improved Google ratings, and increased consumer trust and interest. The results showed measurable improvements, including active management of Instagram and Facebook accounts, increased engagement in terms of likes and comments, improvement in Google ratings, and higher customer interest reflected in increased inquiries.  This activity made a positive contribution to strengthening the digital identity, increasing the visibility of the business, and supporting the sustainability and competitiveness of Cahaya Pancing MSMEs in the digital era.
Co-Authors Erilia Kesumahati Johny Budiman