The role of perceived risk as moderating the relationship between behavioural intentions to E-Money users in Padang city: adoption of the UTAUT model 1
Keywords:
Electronic money; UTAUT; behavior intention; use behavior; perceived risk
Abstract
In recent years, today's technological developments are growing rapidly. Financial services have used technology as an intermediary for transactions, one of which is electronic money (E-money). This study examines the limits of user behavioral intentions and actual behavior of using e-money services in the city of Padang. In addition, since there is limited research on the effect of moderation, this study introduces risk perception as a moderator, supported by the acceptance of relevant technologies and behavioral theories. using quantitative methods with Smart-PLS. Approach to analysis technique of 230 respondents. Determination of the sample in this study using purposive sampling method with Hair Theory calculation technique. The findings of this study indicate (i) Performance expectancy has a positive and significant effect on behavioral intention (ii) Effort expectancy has a positive and significant effect on behavioral intention (iii) Social influence has a positive and significant effect on behavioral intention (iv) Facilitating condition has a positive and significant effect on behavioral intention (v) Perceived risk is not proven as a moderator variable in the influence of behavior intention on use behavior.
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References
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Abrahão, R., Moriguchi, S. N., & Andrade, D. F. (2016). Intention of adoption of mobile payment: An analysis in the light of the Unified Theory of Acceptance and Use of Technology (UTAUT). RAI Revista de Administração e Inovação, 13(3), 221-230.
Aktual, P., Di, P. G., Padang, K., Jurusan, A., Fakultas, A., & Padang, U. N. (2019). Penerapan model utaut (unified theory of acceptance and use of technology) untuk memahami niat dan perilaku aktual pengguna go-pay di kota padang 1. 1(4), 1949–1967.
Alkhowaiter, W. A. (2020). International Journal of Information Management Digital payment and banking adoption research in Gulf countries : A systematic literature review. 53(September 2019).
Al-saedi, K., Al-emran, M., Ramayah, T., & Abusham, E. (2020). Journal Pre-proof.
Cao, Q., & Niu, X. (2019). International Journal of Industrial Ergonomics Integrating context-awareness and UTAUT to explain Alipay user adoption. 69(March 2018), 9–13.
Dan, P., Be, P. E., Di, S., Teknik, F., & Rivai, M. B. (2014). Penerapan model.
Ekonomi, J. P., Ekonomi, F., & Semarang, U. N. (2020). Jurusan pendidikan ekonomi fakultas ekonomi universitas negeri semarang 2020.
E-money, P. (2019). No Title.
Iii, B. A. B. (2013). Bab iii landasan teori 3.1. 20–26.
Ii, B. A. B., & Risk, A. P. (2015). 18 4) 19 5). 1, 11–34.
IJOEM-05-2019-0382_proof 1. (n.d.).
Ilmu, F., Dan, S., Politik, I., Studi, P., Niaga, A., & Pemasaran, K. (2011). UNIVERSITAS INDONESIA PERBEDAAN PERCEIVED RISK ONLINE SHOPPERS DAN NON- ONLINE SHOPPERS PADA JUAL BELI ONLINE.
Jurnal Internasional Manajemen Informasi Pemodelan adopsi internet banking di Fiji_ Perspektif negara berkembang. (n.d.).
Jurnal Internasional Manajemen Informasi Memahami adopsi perbankan Internet_ Sebuah teori terpadu penerimaan dan. (n.d.).
Jurnal Internasional Manajemen Informasi Memahami adopsi konsumen dari pembayaran mobile di India_ Memperluas Meta-UTAUT. (n.d.).
Jurnal Internasional Manajemen Informasi Memperluas pemahaman tentang adopsi mobile banking_ Ketika UTAUT memenuhi TTF dan. (n.d.).
Jurnal Internasional Manajemen Informasi Pembayaran digital dan penelitian adopsi perbankan di negara-negara Teluk_ Li sistematis. (n.d.).
Manfaat, P. P. (2020). AKUNTABILITAS , DAN TRANSPARANSI DALAM MENGGUNAKAN E-MONEY ( GOPAY ) PADA MASYARAKAT MUSLIM DI KOTA SEMARANG.
Memahami mobile banking_ Teori terpadu penerimaan dan penggunaan teknologi dikombinasikan dengan Komputer moderator budaya. (n.d.).
No Title. (n.d.). 11080694234, 1–21.
No Title. (2018). 2.
No Title. (n.d.). 540–555.
Novitasari, S. (n.d.). Persepsi Kontrol Perilaku Terhadap Niat Penggunaan Sistem E-Commerce.
Nugroho, P., Winarno, W. W., & Hartanto, R. (2017). Faktor-Faktor Yang Mempengaruhi Niat Menggunakan Mobile payment Dengan Pendekatan Extended The Unified Theory of Acceptance and Use of Technology. 226–233.
Oliveira, T., Faria, M., & Abraham, M. (2014). International Journal of Information Management Extending the understanding of mobile banking adoption : When UTAUT meets TTF and ITM. 34, 689–703.
Pavlou, P. A. (2003). Consumer Acceptance of Electronic Commerce: Integrating Trust and Risk with The Technology Acceptance Model. International Journal of Electronic Commerce. Vol. 7, No. 3. Hlm. 69-103.
Prasetyo, Dwi Yuli. (2011) Penerapan Metode Utaut (Unified Theory Of Acceptance And Use Of Technology) Dalam Memahami Penerimaan Dan Penggunaan Website Kkn Lppm Unisi.
Rahmatika, U., Studi, P., Fakultas, A., Universitas, E., Yogyakarta, N., Fajar, M. A., Pengajar, S., Studi, P., Universitas, A., Yogyakarta, N., Elektronik, U., & Risiko, P. (2019). FAKTOR - FAKTOR YANG MEMPENGARUHI MINAT PENGGUNAAN ELECTRONIC MONEY : INTEGRASI MODEL TAM – TPB DENGAN PERCEIVED RISK. VIII, 274–284.
Ramadhan, A. F., & Prasetyo, A. B. (n.d.). PERSEPSI MAHASISWA DALAM MENGGUNAKAN E-MONEY.
Resiko, P., Minat, T., Kasus, S., Mayarakat, P., & Cirebon, K. (2019). MENGGUNAKAN LAYANAN E-MONEY FAKULTAS EKONOMI DAN BISNIS ISLAM.
Sharma, R., Singh, G., & Sharma, S. (2020). International Journal of Information Management Modelling internet banking adoption in Fiji : A developing country perspective. 53(March).
Sistemasi, J. (2017). No Title. 6, 26–34.
Tazkiyyaturrohmah, R. (n.d.). TRANSAKSI KEUANGAN MODERN. d(November 2017), 21–39.
Tinggi, S., Nasional, T., & Babarsari, J. (n.d.). ANALISIS PENERAPAN MODEL UTAUT ( UNIFIED THEORY OF ACCEPTANCE AND USE OF TECHNOLOGY ) ( STUDI KASUS : SISTEM INFORMASI AKADEMIK PADA STTNAS YOGYAKARTA ). 165–180.
Udayana, E. A. U. (2019). 1 2 1,2. 27, 927–953.
Usman, R., & Mangkurat, U. L. (n.d.). No Title.
Published
2022-03-31
How to Cite
Wahyuni, A. T., & Susanto, P. (2022). The role of perceived risk as moderating the relationship between behavioural intentions to E-Money users in Padang city: adoption of the UTAUT model 1. Marketing Management Studies, 2(1), 27-35. https://doi.org/10.24036/mms.v2i1.121
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Articles
