Pengaruh Sistem Pembayaran E-Money Dalam Era Digital Di Tengah Wabah Covid-19 : Studi Kasus Pada Masyarakat Semarang

Authors

  • Yasinta Maulida Rohmah Universitas Dian Nuswantoro, Indonesia
  • Nila Tristiarini Fakultas Ekonomi dan Bisnis Universitas Dian Nuswantoro, Indonesia

Keywords:

Benefits, Convenience, Trust, Interest in using e-money, and Covid-19

Abstract

The spread of the Corona virus is getting bigger and bigger, making people keep their distance from each other. Social distancing is the new rule from the government that people should adapt. It influences how people choose the electronic money to pay without contact each other. The use of electronic money led to the Cashless Society. This study aims to explain the effect of benefits, convenience, and security & risk effects on the e-money payment system in the digital era in the midst of the Covid-19 outbreak. This research is included in the primary research which includes 107 respondents. The analysis used is multiple linear regression analysis. The results of this study are that the perceived benefits and benefits variables partially have a positive and significant effect on the interest in using e-money, and the variables of trust and influence have a negative effect on the use of e-money.

Author Biographies

Yasinta Maulida Rohmah, Universitas Dian Nuswantoro

Fakultas Ekonomi & Bisnis Universitas Dian Nuswantoro Semarang

Nila Tristiarini, Fakultas Ekonomi dan Bisnis Universitas Dian Nuswantoro

Fakultas Ekonomi dan Bisnis Universitas Dian Nuswantoro

References

-Peraturan Bank Indonesia Nomor 11/12/PBI/2009 tentang Uang Elektronik (Electronic Money)

-Aksami, N. M. D., & Jember, I. M. (2019). Analisis Minat Penggunaan Layanan E-Money pada Masyarakat Kota Denpasar. E-Jurnal EP Unud, 8(9), 2439–2470.

-Alalwan, A. A., Dwivedi, Y. K., Rana, N. P., & Simintiras, A. C. (2016). -Jordanian consumers’ adoption of telebanking: Influence of perceived usefulness, trust and self-efficacy. International Journal of Bank Marketing, 34(5), 690–709. https://doi.org/10.1108/IJBM-06-2015-0093

-Cunningham, F. E. (1976). Properties of Egg White Foam Drainage. Poultry Science, 55(2), 738–743. https://doi.org/10.3382/ps.0550738

-Davis, F. D., Bagozzi, R. P., & Warshaw, P. R. (1989). User Acceptance of Computer Technology: A Comparison of Two Theoretical Models. Management Science, 35(8), 982–1003. https://doi.org/10.1287/mnsc.35.8.982

-Gu, J. C., Lee, S. C., & Suh, Y. H. (2009). Determinants of behavioral intention to mobile banking. Expert Systems with Applications, 36(9), 11605–11616. https://doi.org/10.1016/j.eswa.2009.03.024

-Katon, F., & Yuniati, U. (2020). Fenomena Cashless Society Dalam Pandemi Covid-19 ( Kajian Interaksi Simbolik Pada Generasi Milenial ) Cashless Society Phenomenons in the Covid-19 Pandemy ( Study of Symbolic Interactions in Millennial Generation ). Signal, 8(2), 134–145. http://jurnal.ugj.ac.id/index.php/Signal/article/view/3490

-Kim, D. J., Ferrin, D. L., & Rao, H. R. (2008). A trust-based consumer decision-making model in electronic commerce: The role of trust, perceived risk, and their antecedents. Decision Support Systems, 44(2), 544–564. https://doi.org/10.1016/j.dss.2007.07.001

-Latief, F., & Dirwan, D. (2020). Pengaruh Kemudahan, Promosi, Dan Kemanfaatan Terhadap Keputusan Penggunaan Uang Digital. Jurnal Ilmiah Akuntansi Manajemen, 3(1), 16–30. https://doi.org/10.35326/jiam.v3i1.612

-Leedy, P. D., & Ormrod, J. E. (2015). [Paul_D._Leedy,_Jeanne_Ellis_Ormrod]_Practical_Res(b-ok.org).

-Lestari, P., & Nofriantika, N. (2018). Literasi Uang Elektronik Di Kalangan Mahasiswa. Islamic Review : Jurnal Riset Dan Kajian Keislaman, 7(1), 94–109. https://doi.org/10.35878/islamicreview.v7i1.138

-Meileny, F., & Wijaksana, T. I. (2020). Pengaruh Persepsi Manfaat, Persepsi Kemudahan, Fitur Layanan Dan Kepercayaan Terhadap Tingkat Kepuasan Pelanggan Linkaja Di Indonesia. Jurnal Ecodemica: Jurnal Ekonomi, Manajemen, Dan Bisnis, 4(2), 200–209. https://doi.org/10.31294/jeco.v4i2.7934

-Mentari, A. C., & Bendesa, I. K. G. (2018). Analisis faktor-faktor yang mempengaruhi minat dalam menggunakan uang elektronik di Kota Denpasar, Provinsi Bali. E-Jurnal EP Unud, 7(4), 646–676.

Nofri, O., & Hafifah, A. (2018). Analisis Perilaku Konsumen Dalam Melakukan Online Shopping Di Kota Makassar. Jurnal Minds: Manajemen Ide Dan Inspirasi, 5(1), 113–132. https://doi.org/10.24252/minds.v5i1.5054

-Prasetya, A. W. (2020). Transaksi Nontunai Jadi Salah Satu Cara Mencegah Penyebaran Covid-19. 2020.

-Pratama, A. B., & Suputra, I. D. G. D. (2019). Pengaruh Persepsi Manfaat, Persepsi Kemudahan Penggunaan, dan Tingkat Kepercayaan Pada Minat Menggunakan Uang Elektronik. E-Jurnal Akuntansi, 27, 927. https://doi.org/10.24843/eja.2019.v27.i02.p04

-Pratiwi, D. F., & Dewi, C. K. (2018). Factors (Benefits, Trust, Self-Efficacy, Ease of Use, Security) Affecting Consumer’s Perception on E-Money in Indonesia. Journal of Secretary and Business Administration, 2(2), 24. https://doi.org/10.31104/jsab.v2i2.60

-Putra, I. P. A. P. A., Sukaatmadja, I. P. G., & Giantari, I. G. A. . (2016). Pengaruh Persepsi Kemudahan Penggunaan, Persepsi Risiko, Terhadap Kepercayaan dan Niat Beli E-Ticket pada Situs Traveloka. E-Jurnal Ekonomi Dan Bisnis Universitas Udayana 5.9, 9, 3007–3030.

-Rustanto, A. E., & Kartini, I. (2019). Efektivitas Pembayaran Non Tunai Pada Umkm Daerah Aliran Sungai Citarum. Jurnal Lentera Bisnis, 8(2), 1. https://doi.org/10.34127/jrlab.v8i2.302

-USMAN, R. (2017). Karakteristik Uang Elektronik Dalam Sistem Pembayaran. Yuridika, 32(1), 134. https://doi.org/10.20473/ydk.v32i1.4431

-Venkatesh, V. (2000). R Esearch a Rticle W Hy D on ’ T M En E Ver S Top To a Sk for D Irections ? G Ender , S Ocial I Nfluence , and T Heir R Ole in T Echnology. MIS Quarterly: Management Information Systems, 24(1), 115–139.

-Widi Yanto, & Ery Baskoro. (2020). Pengaruh Manfaat, Kemudahan Dan Keamanan Terhadap Minat Pemakaian Financial Technology Pada Aplikasi Ovo Sebagai Digital Payment. Jurnal Akuntansi AKTIVA, 1(1), 96–109.

Wilsen, W., Gunawan, E. Y., Jessica, J., & Andry, J. F. (2018). Analisa Tingkat Persepsi Konsumen Terhadap Faktor Penentu Penggunaan Sistem Pembayaran Elektronik Pada Tokopedia. Journal of Applied Informatics and Computing, 2(2), 38–45. https://doi.org/10.30871/jaic.v2i2.1023

-Yogananda, A. S., & Dirgantara, I. M. B. (2017). Pengaruh Persepsi Manfaat, Persepsi Kemudahan Penggunaan, Kepercayaan dan Persepsi Risiko Terhadap Minat Untuk Menggunakan Instrumen Uang Elektronik. Diponegoro Journal of Management, 6(4), 1–7.

-Zhou, T. (2011). An empirical examination of initial trust in mobile banking. Internet Research, 21(5), 527–540. https://doi.org/10.1108/10662241111176353

Downloads

Published

2021-07-31

How to Cite

Rohmah, Y. M., & Tristiarini, N. (2021). Pengaruh Sistem Pembayaran E-Money Dalam Era Digital Di Tengah Wabah Covid-19 : Studi Kasus Pada Masyarakat Semarang. Jurnal Akuntansi Dan Pajak, 22(1), 414–425. Retrieved from https://jurnal.stie-aas.ac.id/index.php/jap/article/view/2310

Issue

Vol. 22 No. 1 (2021): JAP, Vol. 22, No. 1, Pebruari - Juli 2021

Section

Articles

Citation Check

License

The copyright of the article fully belongs to the Jurnal Akuntansi dan Pajak and publishing rights belong entirely to LLPM STIE AAS Surakarta 

 Creative Commons License
This work is licensed under a Creative Commons Attribution 4.0 International License.

Similar Articles

1 2 3 4 5 6 7 8 9 10 > >> 

You may also start an advanced similarity search for this article.