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Musyaffi, Ayatulloh Michael
Universitas Negeri Jakarta
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Journal : Jurnal Inspirasi Binsis dan Manajemen

 1 
Dampak Kemudahan dan Risiko Sistem Pembayaran QR Code: Technology Acceptance Model (TAM) Extension Ayatulloh Michael Musyaffi; Kayati Kayati
Jurnal Inspirasi Bisnis dan Manajemen Vol 3, No 2 (2019): DESEMBER 2019
Publisher : Lembaga Penelitian Universitas Swadaya Gunung Jati

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (584.871 KB) | DOI: 10.33603/jibm.v3i2.2635

Abstract

Abstract. Mobile Payment has developed quickly and easily. One of them by using a QR Code by scanning the Bar Code through the Smartphone camera. Unfortunately, there is inherent risk especially in the aspect of theft of financial and non-financial data. Therefore, this study aims to examine user acceptance in terms of the ease and risk of QR Code Payments. The target of respondents in this study were all users of Payment methods using QR Codes in Indonesia with 100 respondents with a simple random sampling method through online distribution and structured interviews. The method used in this study used the Structural Equation Model (SEM) - Partial Least Square (PLS). The findings in this research show that there is a contribution to the Technology Acceptance Model (TAM) model, especially Perceived Ease of use factor that further strengthens the acceptance of Pay by QR. While risk perception does not have a significant impact on intention to use the Pay by QR system. Keywords: Behavioural Intention; Pay by QR; Perceived Ease of use; Perceived Risk; TAM. Abstrak. Model pembayaran mobile telah berkembang secara signifikan dan semakin mudah. Salah satunya adalah pembayaran dengan menggunakan kode QR dengan men-scan kode QR melalui kamera Smartphone. Sayangnya dibalik kemudahan penggunaan pembayaran QR, terdapat resiko yang melekat terutama dalam aspek pencurian data keuangan maupun non keuangan. Atas dasar inilah penelitian ini diadakan dengan tujuan untuk menguji penerimaan pengguna yang dilihat dari sisi kemudahan dan resiko pembayaran kode QR. Target responden riset ini adalah seluruh pengguna metode pembayaran menggunakan kode QR di Indonesia dengan jumlah responden sebayak 100 dengan meteode simple random sampling melalui penyebaran online dan wawancara secara terstruktur. Metode yang digunakan dalam penelitian ini menggunakan Struktural Equation Model (SEM) – Partial Least Square (PLS). Temuan dalam riset menunjukan adanya kontribusi terhadap model Technology Acceptance Model (TAM) terutama faktor kemudahan yang semakin memperkuat penerimaan penggunaan Pay by QR. Sementara persepsi resiko tidak memiliki dampak yang signifikan terhadap niat menggunakan sistem Pay by QR. Katakunci: Behavioural Intention; Pay by QR: Mobile Payment; Persepsi Kemudahan; Persepsi Resiko; TAM;
Co-Authors Adlitama, Lazuardi Afriadi, Bambang Agung Dharmawan Buchdadi Aldy Nova Ramadhoni Ali, Dirgantara Firhan Alika Khairunisa Alwan, Muhammad Andi Sri Wahyuni Andri Setyanto Nugroho Anwar, Mika Alaika Arinal Muna Arinal Muna Armeliza, Diah ATI SUMIATI, ATI Aulia Azzahra Azwar, Ujang Azzahra, Allifia Benedick, Vito Bhaskoro, Ahmad Panji Bicky Maulana Budi Septiawan Choirul Anwar Christian Wiradendi Wolor Cindy Agustina Diah Armeliza Dian Anita Nuswantara Divana Putri Tiva Alovani Simangunsong Djoewita, Djoewita Dzikrika Bunga Ardika Etty Gurendrawati Fadilla, Moch. Farhan Fariani, Nelia Fitrianti, Sabrina Friyanto, Friyanto Gentiga Muhammad Zairin Hera Khairunnisa Hervianti, Fazalika Alfitri I Gusti Ketut Agung Ulupui Ida Rosnidah Ifa Ratifah Indra Pahala Irwanto Irwanto Kayati Kayati Kayati, Kayati Khairunnisa, Hera Kurniati, Fitrina Mardi Mardi Marsellisa Nindito Marsellisa Nindito, Marsellisa Martin Quinn Maulida, Meisa Mawardi, Ikhsan Mentari, Mely Muhammad Faqih Arrizik MUHAMMAD YUSUF Muhammad Yusuf Mulyani, Heni Naila Fadhilni Nariswari, Anindya Nasution , Hafifah Nasution, Hafifah Nelia Fariani Nuramalia Hasanah Nurmalasari Oli, Mario Colega Osly Usman Petrolis Nusa Perdana, Petrolis Nusa Prayoga, Athmad Eka Primoso Pebrianto Purwana E.S., Dedi Putra, Hilman Nabil Syah Putri Zainal, Rr Fauziah Nur Rahmasari Putri, Sari Widyaningtyas Rachman, Hasyim Rahman, Muhammad Hafizur Rahmansyah, Moch. Fahrul Rahwana, Rudy Rania Az Zahra Raya Sulistyowati Resky Adiningrat, Tubagus Muhammad Respati, Dwi Kismayanti Retno Purwitasari Rida Prihatni Risdiana Alfaini Rizki Firdausi Rachma Dania Safitri, Salsa Adis Sakinah, Iis Santika, Anaya Zahra Sari, Wulan Iyhig Ratna Sasmi , Aji Ahmadi Sasmi, Aji Ahmadi Selfiah, Selfiah Siti Fatimah Zahra Siti Nurchaliza Sri Zulaihati SS, Muh Fathul Mubaraq Sugangga, Fannie Suparno Suparno Teuku Rio Febrian Alfa Risky Tondang, Petrus Delpansius Tri Hesti Utaminingtyas Umi Widyastuti Unggul Purwohedi Usman , Osly Yuni Widawati Zainal, Rr Fauziah Nur Rahmasari Putri Zairin, Gentiga Muhammad Zakaria, Adam