The influence of perceived security and user mobility toward intention to use mobile payment Shopeepay with perceived usefulness as mediating variable
Keywords:
Perceived security; user mobility; intention to use; perceived usefulness.
Abstract
This study aims to analyze (1) the effect of perceived security on intention to use on student mobile payment Shopeepay users mediated by perceived usefulness in the city of Padang. (2) The effect of user mobility on the intention to use of mobile payment users in Shopeepay students is mediated by perceived usefulness in the city of Padang. The population used in the study were students using Shopeepay mobile payment users and the sample used was students using Shopeepay mobile payment users in the city of Padang for at least 1 use. The number of samples in this study was 159 total respondents. Data was collected through online questionnaires and data processing using PLS (Partial Least Square) software. The results of this study indicate that. (1) Perceived security has a positive and significant effect on the intention to use Shopeepay's mobile payment. (2) User mobility has a positive and significant effect on the intention to use Shopeepay's mobile payment. (3) Perceived usefulness has a positive and significant effect on the intention to use Shopeepay's mobile payment. (4) Perceived security has a positive and significant effect on the perceived usefulness of students using Shopeepay mobile payment users in the city of Padang. (5) User mobility has a positive and significant effect on the perceived usefulness of Shopeepay mobile payment users in the city of Padang (6) Perceived security has a positive and significant effect on the intention to use Shopeepay's mobile payment mediated by perceived usefulness. (7) User mobility has a positive and significant effect on the intention to use Shopeepay's mobile payment mediated by perceived usefulness.
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References
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Anckar, B dan D’Incau, D. (2002). “Value creation in mobile commerce: findings from a consumer survey”. Journal of Information Technology Theory and Application, Vol.4.No.1, pp. 43-64.
Antovski, L dan Gusev, M. (2003). “M-Payments”. Information Technology Interfaces/TI 2003. 95-100.
Arikunto, Suharsimi. (2010). Prosedur Penelitian Suatu Pendekatan Praktek Edisi Revisi VI. Jakarta: Rineka Cipta.
Armesh, H., Slaarzehi, H., Yaghoobi, N.M., Heydari, A., dan Nikbin, D. (2010). “The Effect of Security and Privacy Information on Trust dan Trusttworthiness and Loyalty in Online Marketing in Malaysia”. International Journal of Marketing Studies, 2(2), 223-234.
APJII. (2018). “Penggunaan Internet di Indonesia”. Retrieved from https://aptika.kominfo.go.id diakses tanggal 27 Juni 2021.
Chawla, D., dan Joshi, H. (2019). “Consumer attitude and intention to adopt mobile wallet in India: an empirical study”. International Jouenal of Bank Marketing, 37(7), 1590-1618.
Cheong, J.H., dan Park, M.C. (2005). “Mobile internet acceptance in Korea”. Internet Research, 15(2), 125-140.
Chellapa, R.K., dan Pavlou, P. (2002). “Perceived information security, financial liability, and consumer trust in electronic commerce transactions”. Logistics Information Management, 15(5), 358-368.
Davis, D. (1986). “A Technology Acceptance Model For Empirically Testing New End-User Information Systems: Theory And Results.”. Massachusetts Institute Of Technology.
_______. (1989). “Perceived Usefulness, Perceived Ease of Use, and User Acceptance of Information Technology”. MIS Quartely, Vol.13.No.3, pp. 319-340.
Davis, F.D., Bagozzi, R.P, dan Warshaw, P.R. (1989). “User acceptance of computer technology: a comparison of two theoretical models”. Management Science, Vol.35.No.8, pp. 982-1003.
Eid, M.I. (2011). “Determinants of e-commerce customer satisfaction, trust, and loyalty in Saudi Arabia”. Journal of Electronic Commerce Research, 12(1), 78-93.
Fadlan, A., dan Dewantara, R.Y. (2018). “Pengaruh Persepsi Kemudahan dan Persepsi Kegunaan terhadap Penggunaan Mobile Banking Universitas Brawijaya”. Jurnal Ilmiah Mahasiswa Ekonomi Akuntansi, 1(2), 264-276.
Flaviaan, C. Dan Guinallu, M. (2006). “Consumer trust, perceived security and privacy policy: three basic elements of loyalty to a website. Industrial Management dan Data Systems, 106(5), 601-620.
Ghozali, I. (2009). “Aplikasi Analisis Multivariate dengan Program SPSS”. Semarang: UNDIP.
_________. (2013). “Aplikasi Analisis Multivariate dengan Program IMB SPSS”. Semarang: UNDIP.
Ha, H.Y., dan Pan, H. (2018). “The evolution of perceived security: the temporal role of SNS information perceptions”. Internet Research, 28(4), 1055-1078.
Hadi, Sutrisno. (2001). “Metodologi Research Jilid III”. Yogyakarta: Andi Offset.
Hair, et, al. (2010). “Multivariate Data Analysis (7th ed). United States: Pearson
Hootsuite. (2019). “Digital 2019”.
I, Arpaci, Y.Y, Cetin, dan Turetken. (2015). “Impact of Perceived Security on Organizational Adoption of Smarphones”. Cyberpsychology, Behav. Soc. Netw, Vol.18.No.10, pp. 602-608.
Iprice. (2020). “Statistik Perkembangan Industri E-commerce Sepanjang 2020”. Retrieved from https://dailysocial.id diakses pada tanggal 27 Juni 2021.
Jogiyanto. (2007). “Sistem informasi keperilakuan (edisi revisi)”. Yogyakarta: Andi.
Kalinic, Z dan Marinkovic, V. (2016). “Determinants pf users’ intention to adopt m-commerce: an empirical analysis”. Information Systems and e-Business Management, Vol.14.No.2, pp. 367-387.
Kementerian Komunikasi dan Informatika. (2020). “Dirjen PPI: Survei Penetrasi Pengguna Internet di Indonesia Bagian Penting dari Transformasi Digital”. Retrieved from https://www.kominfo.go.id diakses tanggal 27 Juni 2021.
Kim, C., Mirusmonov, M., dan Lee, I. (2010). “Computers in Human Behaviour An empirical examination of factors influencing the intention to use mobile payment”. Computers in Human Behavior, 26(3), 310-322.
Kompas. (2020). “Jumlah Penduduk Indonesia 2020”. Retrieved from https://amp-kompas-com diakses tanggal 27 Juni 2021.
Kontan. (2021). “Jumlah Penduduk Indonesia Terkini”. Retrieved from https://nasional.kontan.co.id diakses tanggal 27 Juni 2021.
Leong, M.C., Tan., L.C., Puah, H.C., dan Chong, M.S. (2020). “Predicting mobile network operators users m-payment intention”. European Business Review Emerald Publishing Limited, https://www.emerald.com/insight/0955-534X.htm. DOI: 10.1108/EBR-10-2019-0263.
Liebana-Cabanillas, et, al. (2018). “Predicting the determinants of mobile payment acceptance: a hybrid SEM-neural network approach”, Technological Forecasting and Social Change, Vol.129, pp. 117-130.
M. Ally dan M. Toleman. (2005). “A Framework for Assessing Payment Security Mechanisms and Security Informatiom on e-Commerce Web Sites”. Pacific Asia Conference on Information Systems, pp 1216-1231.
Mallat, et, al. (2006). “The impact of use situation and mobility on the acceptance of mobile ticketing services”, 39th HI International Conference on System Science Kauai, HI, IEEE.
Nambiar, S., Lu, C-T, dan Liang, L. (2004). “Analysis of payment transaction security in mobile commerce”. Proceedings of the IEEE International Conference on Information Reuse and Integration, Las Vegas, NV, USA, November 1-3, 2004.
Nguyen, T., N., Caol, K., dan Dang, P. (2016). “Predicting consumer intention mobile payment services: empirical evidence from Vietnam”. InternationaL Journal of Marketing Studies, Vol.8.No.1.
Pavlou, P.A. (2003). “Consumer acceptance of electronic commerce: integrating trust and risk with the technology acceptance model”. International Journal of Electronic Commerce, 7(3), 101-134.
Phonthanukitithaworn, C., Sellitto, C., dan Fong, M.W. (2016). Asia-pasicif Journal of Businessi. 5(2)
Rizky, Nur Cholifah. (2020). “Pengaruh Perceived Usefulness, Perceived Ease of Use, dan Trust terhadap Intention to Use”. Skripsi: UIN Syarif Hidayatullah Jakarta.
Roca, K.C., Garcia, J.J., dan Vefa, J.J. (2009). “The importance of perceived trust, security and privacy in online trading systems”. Information Management and Computer Security, 17(2), 96-113.
Schewe, C., dan Meredith, G. (2004). “Segmenting global martkets by generational cohorts: Determining motivation by age”. Journal of Consumer Behavior, 4(1), 51-63.
Schierz, et, al. (2010). “Understanding consumer acceptance of mobile payment services: an empirical analysis”, Electronic Commerce Research and Application, Vol.9.No.3, pp. 209-216.
Seetharman, dkk. (2017). “Factors influencing behavioural intention to use the mbile wallet in Singapore”. Journal of Applied Economics and Business Research, 7(2), 116-136.
Sugiyono. (2011). “Metode Penelitian Kuantitatif, Kualitatif, dan R&D”. Bandung: Alfabeta.
________. (2013). “Metode Penelitian Kuantitatif, Kualitatif, dan R&D”. Bandung: Alfabeta.
________. (2014). “Metode Penelitian Bisnis”. Bandung: Alfabeta.
________. (2016). Metode Penelitian Kuantitatif Kualitatif dan R&D. Bandung: CV Alfabeta.
_________. (2017). “Metode Penelitian Kuantitaif, Kualitatif, dan R&D”. Bandung: Alfabeta.
Sujaweni, W. (2015). “SPSS Untuk Penelitian”. Pustaka Baru Press.
Supardi. (2005). “Metodologi Penelitian Ekonomi dan Bisnis”. UII Press.
Tilawati, F. (2018). “Pengaruh manfaat, kemudahan, norma subyektif, dan kontrol perilaku terhadap minat menggunakan uang elektronik di Kota Depok”. 15-17.
Undale, S., Kulkarni, A, dan Patil, H. (2020). “Perceived e-Wallet security: impact of Covid-19 pandemic”. Vilakshan – XIMB Journal of Management.
Vanketesh, V., dan Davis, F.D. (2000). “Theoretical extension of the Technology Acceptance Model: Four longitudinal field studies”. Management Science, 46(2), 186-204.
Xu, G dan Zealand, N. (2006). “An Exploratory Study of Killer Application and Critical Success Factors in M-Commerce”, 63-79.
Yhoni, M., dan Paulus, I.S. (2017). “Pengaruh Perceived Security terhadap Pengadopsian Aplikasi Mobile”. Jurnal Nasional Teknik Elektro dan Teknologi Informasi (JNTET).
Yoganandam A.S., dan 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.
Yoo, J.H., dan Fisher, P.K. (2017). “Mobile financial technology and consumers: Financial Capability in the United States”. Journal of Education & Social Policy, 7(1), 80-93.
Amin, M., Rezaei, S., dan Abolghasemi, M. (2014). “User satisfaction with mobile websites: the impact of perceived usefulness, perceived ease of use and trust”. Nankai Business Review International, 5(3), 258-274.
Anandita, F.B.A., dan Saputra, S.D. (2015). “Analisis Pengaruh Kepercayaan, Keamanan, Kualitas Pelayanan dan Persepsi Risiko terhadap Keputusan Pembelian Melalui Situs Jejaring Sosial”. Jurnal Ekonomi dan Kewirausahaan.
Anckar, B dan D’Incau, D. (2002). “Value creation in mobile commerce: findings from a consumer survey”. Journal of Information Technology Theory and Application, Vol.4.No.1, pp. 43-64.
Antovski, L dan Gusev, M. (2003). “M-Payments”. Information Technology Interfaces/TI 2003. 95-100.
Arikunto, Suharsimi. (2010). Prosedur Penelitian Suatu Pendekatan Praktek Edisi Revisi VI. Jakarta: Rineka Cipta.
Armesh, H., Slaarzehi, H., Yaghoobi, N.M., Heydari, A., dan Nikbin, D. (2010). “The Effect of Security and Privacy Information on Trust dan Trusttworthiness and Loyalty in Online Marketing in Malaysia”. International Journal of Marketing Studies, 2(2), 223-234.
APJII. (2018). “Penggunaan Internet di Indonesia”. Retrieved from https://aptika.kominfo.go.id diakses tanggal 27 Juni 2021.
Chawla, D., dan Joshi, H. (2019). “Consumer attitude and intention to adopt mobile wallet in India: an empirical study”. International Jouenal of Bank Marketing, 37(7), 1590-1618.
Cheong, J.H., dan Park, M.C. (2005). “Mobile internet acceptance in Korea”. Internet Research, 15(2), 125-140.
Chellapa, R.K., dan Pavlou, P. (2002). “Perceived information security, financial liability, and consumer trust in electronic commerce transactions”. Logistics Information Management, 15(5), 358-368.
Davis, D. (1986). “A Technology Acceptance Model For Empirically Testing New End-User Information Systems: Theory And Results.”. Massachusetts Institute Of Technology.
_______. (1989). “Perceived Usefulness, Perceived Ease of Use, and User Acceptance of Information Technology”. MIS Quartely, Vol.13.No.3, pp. 319-340.
Davis, F.D., Bagozzi, R.P, dan Warshaw, P.R. (1989). “User acceptance of computer technology: a comparison of two theoretical models”. Management Science, Vol.35.No.8, pp. 982-1003.
Eid, M.I. (2011). “Determinants of e-commerce customer satisfaction, trust, and loyalty in Saudi Arabia”. Journal of Electronic Commerce Research, 12(1), 78-93.
Fadlan, A., dan Dewantara, R.Y. (2018). “Pengaruh Persepsi Kemudahan dan Persepsi Kegunaan terhadap Penggunaan Mobile Banking Universitas Brawijaya”. Jurnal Ilmiah Mahasiswa Ekonomi Akuntansi, 1(2), 264-276.
Flaviaan, C. Dan Guinallu, M. (2006). “Consumer trust, perceived security and privacy policy: three basic elements of loyalty to a website. Industrial Management dan Data Systems, 106(5), 601-620.
Ghozali, I. (2009). “Aplikasi Analisis Multivariate dengan Program SPSS”. Semarang: UNDIP.
_________. (2013). “Aplikasi Analisis Multivariate dengan Program IMB SPSS”. Semarang: UNDIP.
Ha, H.Y., dan Pan, H. (2018). “The evolution of perceived security: the temporal role of SNS information perceptions”. Internet Research, 28(4), 1055-1078.
Hadi, Sutrisno. (2001). “Metodologi Research Jilid III”. Yogyakarta: Andi Offset.
Hair, et, al. (2010). “Multivariate Data Analysis (7th ed). United States: Pearson
Hootsuite. (2019). “Digital 2019”.
I, Arpaci, Y.Y, Cetin, dan Turetken. (2015). “Impact of Perceived Security on Organizational Adoption of Smarphones”. Cyberpsychology, Behav. Soc. Netw, Vol.18.No.10, pp. 602-608.
Iprice. (2020). “Statistik Perkembangan Industri E-commerce Sepanjang 2020”. Retrieved from https://dailysocial.id diakses pada tanggal 27 Juni 2021.
Jogiyanto. (2007). “Sistem informasi keperilakuan (edisi revisi)”. Yogyakarta: Andi.
Kalinic, Z dan Marinkovic, V. (2016). “Determinants pf users’ intention to adopt m-commerce: an empirical analysis”. Information Systems and e-Business Management, Vol.14.No.2, pp. 367-387.
Kementerian Komunikasi dan Informatika. (2020). “Dirjen PPI: Survei Penetrasi Pengguna Internet di Indonesia Bagian Penting dari Transformasi Digital”. Retrieved from https://www.kominfo.go.id diakses tanggal 27 Juni 2021.
Kim, C., Mirusmonov, M., dan Lee, I. (2010). “Computers in Human Behaviour An empirical examination of factors influencing the intention to use mobile payment”. Computers in Human Behavior, 26(3), 310-322.
Kompas. (2020). “Jumlah Penduduk Indonesia 2020”. Retrieved from https://amp-kompas-com diakses tanggal 27 Juni 2021.
Kontan. (2021). “Jumlah Penduduk Indonesia Terkini”. Retrieved from https://nasional.kontan.co.id diakses tanggal 27 Juni 2021.
Leong, M.C., Tan., L.C., Puah, H.C., dan Chong, M.S. (2020). “Predicting mobile network operators users m-payment intention”. European Business Review Emerald Publishing Limited, https://www.emerald.com/insight/0955-534X.htm. DOI: 10.1108/EBR-10-2019-0263.
Liebana-Cabanillas, et, al. (2018). “Predicting the determinants of mobile payment acceptance: a hybrid SEM-neural network approach”, Technological Forecasting and Social Change, Vol.129, pp. 117-130.
M. Ally dan M. Toleman. (2005). “A Framework for Assessing Payment Security Mechanisms and Security Informatiom on e-Commerce Web Sites”. Pacific Asia Conference on Information Systems, pp 1216-1231.
Mallat, et, al. (2006). “The impact of use situation and mobility on the acceptance of mobile ticketing services”, 39th HI International Conference on System Science Kauai, HI, IEEE.
Nambiar, S., Lu, C-T, dan Liang, L. (2004). “Analysis of payment transaction security in mobile commerce”. Proceedings of the IEEE International Conference on Information Reuse and Integration, Las Vegas, NV, USA, November 1-3, 2004.
Nguyen, T., N., Caol, K., dan Dang, P. (2016). “Predicting consumer intention mobile payment services: empirical evidence from Vietnam”. InternationaL Journal of Marketing Studies, Vol.8.No.1.
Pavlou, P.A. (2003). “Consumer acceptance of electronic commerce: integrating trust and risk with the technology acceptance model”. International Journal of Electronic Commerce, 7(3), 101-134.
Phonthanukitithaworn, C., Sellitto, C., dan Fong, M.W. (2016). Asia-pasicif Journal of Businessi. 5(2)
Rizky, Nur Cholifah. (2020). “Pengaruh Perceived Usefulness, Perceived Ease of Use, dan Trust terhadap Intention to Use”. Skripsi: UIN Syarif Hidayatullah Jakarta.
Roca, K.C., Garcia, J.J., dan Vefa, J.J. (2009). “The importance of perceived trust, security and privacy in online trading systems”. Information Management and Computer Security, 17(2), 96-113.
Schewe, C., dan Meredith, G. (2004). “Segmenting global martkets by generational cohorts: Determining motivation by age”. Journal of Consumer Behavior, 4(1), 51-63.
Schierz, et, al. (2010). “Understanding consumer acceptance of mobile payment services: an empirical analysis”, Electronic Commerce Research and Application, Vol.9.No.3, pp. 209-216.
Seetharman, dkk. (2017). “Factors influencing behavioural intention to use the mbile wallet in Singapore”. Journal of Applied Economics and Business Research, 7(2), 116-136.
Sugiyono. (2011). “Metode Penelitian Kuantitatif, Kualitatif, dan R&D”. Bandung: Alfabeta.
________. (2013). “Metode Penelitian Kuantitatif, Kualitatif, dan R&D”. Bandung: Alfabeta.
________. (2014). “Metode Penelitian Bisnis”. Bandung: Alfabeta.
________. (2016). Metode Penelitian Kuantitatif Kualitatif dan R&D. Bandung: CV Alfabeta.
_________. (2017). “Metode Penelitian Kuantitaif, Kualitatif, dan R&D”. Bandung: Alfabeta.
Sujaweni, W. (2015). “SPSS Untuk Penelitian”. Pustaka Baru Press.
Supardi. (2005). “Metodologi Penelitian Ekonomi dan Bisnis”. UII Press.
Tilawati, F. (2018). “Pengaruh manfaat, kemudahan, norma subyektif, dan kontrol perilaku terhadap minat menggunakan uang elektronik di Kota Depok”. 15-17.
Undale, S., Kulkarni, A, dan Patil, H. (2020). “Perceived e-Wallet security: impact of Covid-19 pandemic”. Vilakshan – XIMB Journal of Management.
Vanketesh, V., dan Davis, F.D. (2000). “Theoretical extension of the Technology Acceptance Model: Four longitudinal field studies”. Management Science, 46(2), 186-204.
Xu, G dan Zealand, N. (2006). “An Exploratory Study of Killer Application and Critical Success Factors in M-Commerce”, 63-79.
Yhoni, M., dan Paulus, I.S. (2017). “Pengaruh Perceived Security terhadap Pengadopsian Aplikasi Mobile”. Jurnal Nasional Teknik Elektro dan Teknologi Informasi (JNTET).
Yoganandam A.S., dan 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.
Yoo, J.H., dan Fisher, P.K. (2017). “Mobile financial technology and consumers: Financial Capability in the United States”. Journal of Education & Social Policy, 7(1), 80-93.
Published
2022-03-31
How to Cite
Adventure, A. M., & Engriani, Y. (2022). The influence of perceived security and user mobility toward intention to use mobile payment Shopeepay with perceived usefulness as mediating variable. Marketing Management Studies, 2(1), 1-16. https://doi.org/10.24036/mms.v2i1.136
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Articles
