Antecedents of Trust and Its Consequences on Continuous Usage Intention E-Money
Abstract
This research is motivated by the development of technology in the field of information and communication which has an impact on the emergence of new innovations in terms of electronic payments. Non-cash money or electronic money (e-money) is a payment instrument that fulfills the elements, namely issued on the basis of the value of money deposited in advance by the holder to the issuer, the value of money is stored electronically in a medium such as a server or chip, used as a means of payment to merchants who are not the issuer of the electronic money and the value of electronic money deposited by the holder and managed by the issuer is not a deposit as referred to in the laws governing banking.The benefits and convenience offered by electronic money can influence the increase in users. When a product has benefits and convenience when used in everyday life, it is likely that the product will be used by the wider community. This study aims to explain the factors that influence trust and its consequences on continuous usage intention of e-money in Denpasar City in terms of perceived benefits, perceived convenience and perceived risk. Trust here acts as a mediating variable. The research sample was 100 people in Denpasar city. The research method used is quantitative method with PLS-based structural equation model analysis or SEM. This research shows that perceived benefits and perceived ease of use influence respondents confidence in using e-money continuously, while perceived risk does not show any influence on respondents confidence in their intention to use e-money continuously. Furthermore perceived benefits and perceived ese of use hav positive effect on the intention to continue using e-money, while perceived risk has no effect on the intention to use e-money continuously.
References
Abdullateef, A.O., Iwu, C.G., Kareem, O., and Manzuma-Ndaaba, N.M. (2017). Determining customer continuous online usage intention in the airline industry. Research and investment management implications. Innovative Marketing ,11(1), 17-27
Adiyanti, Arsita Ika. (2015). “The Effect of Income, Benefits, Ease of Use, Promotion Attractiveness, and Trust on Interest in Using E-Money Services". Journal of Economics and Business,Vol.4 No.3
Ahmad dan Pambudi, Bambang Setiyo. (2014). “The Effect of Perceived Benefits Perceived Ease of Security and Feature Availability on Customer Re-Interest in Using Internet Banking Studies on BRI's I-Banking Service Program”. Journal of Management Studies, Vol.8, No. 1.
Artuger, S., BC Cetisoz. (2017). Impact of destination image and the intention to revision: a study regarding Arabian tourist. European Scientific Journal.
Amrita, N.D.A., Supartha, I.W.G., Giantari, I.G.A.K., & Ekawati, N.W. (2022). Attitude based on Tri Kaya Parisudha in Increasing Intention to Reuse E-Money. International Journal of Data and Network Science. Volume 6 Issue 4 pp. 1115-1124
Amrita, N.D.A., Sukanti, N. K., & Geriadi, M.A.D. (2023). Determinants of The Intention to Reuse E-Money in Generation Z. Jurnal Ekonomi dan Bisnis Jagadhita, 10(2), 228-234
Bank Indonesia. (2016). Working Paper: Efforts to Increase the Use of Non-Cash Payment Tools through E-Money Development. Jakarta: Erlangga.
Chang, S. E., Liu, A. Y., and Shen, W. C. (2017). User trust in social networking services: A comparison of Facebook and LinkedIn. Computers in Human Behavior, 69, 207-217.
Chauhan, Shumedha. (2015). “Acceptance of Mobile by Poor Citizens of India: Integrating Trust intothe Technology Acceptance Model”. Emerald Insight,Vol. 17, No.3
D'Alessandro, S., Girardi, A., and Tiangsoongnern, L. (2012). Perceived risk and trust as antecedents of online purchasing behavior in the USA gemstone industry. Asia pacific journal of marketing and logistics. 24(3). 433 – 460
Davis, F. D., Bagozzi, R. P., & Warshaw, P. R. (2009). “User Acceptance of Computer Technology: A Comparison of Two Theoretical Models”. Management Science, Vol.35, No.8.Sinungan,
Davis, F. D., Bagozzi, R. P., & Warshaw, P. R. (2009). “User Acceptance of Computer Technology: A Comparison of Two Theoretical Models”. Management Science, Vol.35, No.8.
Dewi, N. P., dan Warmika, I. K. (2016). “The Role of Perceived Ease of Use, Perceived Benefits and Risk Perspectives on Intention to Use Mobile Commerce in Denpasar City”. E-Jurnal Manajemen Unud, Vol. 5, No. 4.
Ermawati, Nanik dan Delima, Zamrud Merah. (2016).”The Effect of Perceived Ease of Use, Perceived Usefulness, and Experience on Taxpayer Interest in Using the E-Filing System". Indonesian Journal of Accounting, Vol. 5, No. 2.
Hu, N., Pavlou, P.A. and Zhang, J. (2009). Overcoming the J-shaped distribution of product reviews. Communications of the ACM, 52 (10), 144-147.
Muchdrasah. 2000. Produktivitas, Apa Dan Bagaimana. Jakarta. Bumi Aksara.
Park, S. T., and Oh, M. R. (2019). An empirical study on the influential factors affecting continuous usage of mobile cloud service. Cluster Computing, 22(1), 1873-1887.
Pratiwi, D. M. & R. (2015). The Effect of Perceived Benefits, Perceived Ease, Perceived Risk and Service Features on Interest in Using Emoney(Case Study on E-Money Users in Palembang City). Journal of Accounting Department Stie Multi Data Palembang.
Qurniawati, Rina Sari dan Yulfan Arif. 2018. eWom Pada Generasi Z di Sosial Media. Competitiveness. Journal of Resource Management Economics. Vol.20 No.2
Rahmayanti, P.L.D., Rahyuda, I.K. (2020). The Role Of Trust In Mediating The Effect Of Perceived Risk And Subjective Norm On continuous Usage Intention On Gopay Users In Denpasar. RJOAS. Volume 12 (108)
Stanton, William J. 2014. Principlesof Marketing. (Translation: Yohanes Lamarto). Jakarta: PublisherErlangga.
Sekaran, Uma. 2011. Research Methods For Business (Research Methods for Business). Jakarta: Salemba Empat
Subagio, H dan Jessica, J. (2020). The Effect of Perceived Usefulness, Perceived Ease of Use, Subjective Norm, and Customer Experience on Intention to Use Mytelkomsel (Case Study on Students of Petra Christian University Surabaya). Journal of Marketing Strategy, 7 (1),
Sugiyono. 2018. Qualitative Quantitative Research Methods and RandD. Bandung: Alfabeta.
Wijaya, Stevanus Wisnu. (2016). “Theoretical Review of the Technology Acceptance Model as an Approach Model to Determine Strategies to Encourage User Willingness to Use Information and Communication Technology". Proceedings of the National Conference on Information Systems. Yogyakarta.
Wibowo, Setyo Ferry, Rosmauli, Dede dan Suhud, Usep. (2015). “The Effect of Perceived Benefits, Perceived Ease, Service Features, and Trust on Interest in Using E-Money Cards (Study on Commuterline Service Users in Jakarta)”. Journal of Indonesian Science Management Research (JRMSI), Vol. 6, No. 1. 2008. Law No. 20 of 2008 concerning Micro, Small and Medium Enterprises.
Abstract viewed = 2 times
PDF downloaded = 2 times
