Acceptance Analysis Of Digital Payment Through TAM And TPB Integration
DOI:
https://doi.org/10.29408/jpek.v10i1.34122Keywords:
Teknologi Pembayaran Digital, TAM, TPBAbstract
Penelitian ini mengkaji adopsi sistem pembayaran digital di Kabupaten Tenggarong, dengan fokus pada karakteristik konsumen dan dampak faktor pribadi dan sosial terhadap penerimaan. Studi ini didasarkan pada Model Penerimaan Teknologi (TAM) dan diperluas dengan memasukkan variabel dari Teori Perilaku Terencana (TPB). Studi ini melibatkan 155 partisipan yang dipilih menggunakan purposive sampling. Data yang dikumpulkan dianalisis melalui metode Partial Least Squares–Structural Equation Modeling (PLS-SEM), dilengkapi dengan analisis deskriptif yang diperoleh dari tanggapan yang dikumpulkan melalui kuesioner dan literatur terkait. Temuan menunjukkan bahwa sikap pengguna terhadap adopsi dompet elektronik sangat dipengaruhi oleh persepsi mereka tentang kegunaan dan kemudahan penggunaan yang terkait dengan sistem pembayaran digital ini. Lebih lanjut, kontrol perilaku yang dirasakan dan norma subjektif muncul sebagai faktor utama yang membentuk niat penggunaan. Niat penggunaan, pada gilirannya, memiliki dampak signifikan pada perilaku penggunaan aktual. Sebaliknya, sikap pengguna ditemukan tidak memiliki pengaruh signifikan terhadap perilaku penggunaan.
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