The Influence of Perceived Trust, Usefulness, Risks and Financial Knowledge on Interest in Using SPayLater
DOI:
https://doi.org/10.33096/jmb.v11i1.734Keywords:
Perceived Risk, Usefulness, Financial knowledge, Intention to Use, SPayLaterAbstract
This study aims to determine the effect of perceived trust, usefulness, risk, and financial knowledge on interest in using SpayLater. This research method uses a quantitative approach with a research sample of 231 generation Z communities in Java. The data collected was tested using the SEM-PLS technique through SmartPLS 4.0 software. The test results show that perceived trust, benefits, and risks have a positive and significant effect on interest in using SpayLater. Meanwhile, financial knowledge does not affect interest in using SpayLater. These results are expected to provide positive implications for generation Z, who should be more careful when choosing to transact using the PayLater facility.
Downloads
References
Amelia, N. P., Fidiansa, A., & Risa, S. C. (2023). Fenomena Penggunaan Paylater di Kalangan Mahasiswa. Prosiding Seminar Nasional, 176–187.
Andista, D. R., & Susilawaty, R. (2021). The Influence of Perceived Ease of Use and Risk on Interest in Using Financial Online Loan Technology. Prosiding The 12th Industrial Research Workshop and National Seminar, 1228–1233. https://jurnal.polban.ac.id/proceeding/article/view/2919
Asja, H. J., Susanti, S., & Fauzi, A. (2021). Pengaruh Manfaat, Kemudahan, dan Pendapatan terhadap Minat Menggunakan Paylater: Studi Kasus Masyarakat di DKI Jakarta. Jurnal Akuntansi, Keuangan, Dan Manajemen, 2(4), 309–325. https://doi.org/10.35912/jakman.v2i4.495
Baiquni, A. (2023). Ketua DPD RI Ingatkan Risiko Paylater ke Kesehatan Finansial. Berita Jatim. https://beritajatim.com/politik-pemerintahan/ketua-dpd-ri-ingatkan-risiko-paylater-ke-kesehatan-finansial/
Biucky, S. T., Abdolvand, N., & Harandi, S. R. (2017). The effects of perceived risk on social commerce adoption based on the tam model. International Journal of Electronic Commerce Studies, 8(2), 173–196. https://doi.org/10.7903/ijecs.1538
Dawe, R. L., Yung, A. L., Collins, G., Loh, K. W., & Siddik, A. (2012). The Evolving Role of Logistics Service Providers (LSP) in Business-to-Business (B2B) Order Fulfillment. European University Institute, 2(2), 2–5. https://eur-lex.europa.eu/legal-content/PT/TXT/PDF/?uri=CELEX:32016R0679&from=PT%0Ahttp://eur-lex.europa.eu/LexUriServ/LexUriServ.do?uri=CELEX:52012PC0011:pt:NOT
Dwinta, I. dan C. Y. (2010). Pengaruh Locus Of Control, Financial Knowledge, Income Terhadap Financial Management Behavior. Jurnal Bisnis Dan Akuntansi, 12(3), 131–144.
Evelyn Feliciia. (2015). KENDALA DAN UPAYA REHABILITASI BAGI PECANDU NARKOTIKA OLEH BADAN NARKOTIKA NASIONAL PROVINSI (BNNP) YOGYAKARTA. 53(9), 1689–1699. http://publications.lib.chalmers.se/records/fulltext/245180/245180.pdf%0Ahttps://hdl.handle.net/20.500.12380/245180%0Ahttp://dx.doi.org/10.1016/j.jsames.2011.03.003%0Ahttps://doi.org/10.1016/j.gr.2017.08.001%0Ahttp://dx.doi.org/10.1016/j.precamres.2014.12
Fitriani, F. F. (2023). Kala Generasi Milenial dan Gen Z Terjerat Pusaran Utang Pinjol. Finansial Bisnis. https://finansial.bisnis.com/read/20230828/563/1688870/kala-generasi-milenial-dan-gen-z-terjerat-pusaran-utang-pinjol
Han, L., Xiao, J. J., & Su, Z. (2019). Financing knowledge, risk attitude and P2P borrowing in China. International Journal of Consumer Studies, 43(2), 166–177. https://doi.org/10.1111/ijcs.12494
Heo, W., Lee, J. M., & Rabbani, A. G. (2021). Mediation Effect of Financial Education between Financial Stress and Use of Financial Technology. Journal of Family and Economic Issues, 42(3), 413–428. https://doi.org/10.1007/s10834-020-09720-w
Indonesia, C. (2022). MUI Jatim Cap Haram Paylater. https://www.cnnindonesia.com/ekonomi/20220729170517-78-827930/mui-jatim-cap-haram-paylater
Jefrie, J., & Wiyanto, H. (2020). Pengaruh Financial Attitude, Financial Knowledge, Dan Financial Behavior Terhadap Financial Technology Literacy. Jurnal Manajerial Dan Kewirausahaan, 2(2), 371. https://doi.org/10.24912/jmk.v2i2.7930
Kalinic, Z., Marinkovic, V., Molinillo, S., & Liébana-Cabanillas, F. (2019). A multi-analytical approach to peer-to-peer mobile payment acceptance prediction. Journal of Retailing and Consumer Services, 49(December 2018), 143–153. https://doi.org/10.1016/j.jretconser.2019.03.016
Karniawati, N. P. A., Darma, G. S., Mahyuni, L. P., & Sanica, I. G. (2021). Community perception of using qr code payment in era new normal. Palarch’s Journal Of Archaeology Of Egypt/Egyptology, 18(1), 3986–3999.
Khadafi, M. (2023). Bye Kartu Kredit, Pay Later Makin Mendominasi. CNBC Indonesia. https://www.cnbcindonesia.com/market/20230706110412-17-451848/bye-kartu-kredit-pay-later-makin-mendominasi
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
Meyliana ;Fernando, E. ; S. (2019). Pengaruh Persepsi Risiko dan Kepercayaan Dalam Adopsi Layanan Fintech Di Indonesia. CommIT (Communication and Information Technology) Journal., 13(1), 31–37. https://journal.binus.ac.id/index.php/commit/issue/view/267
Musa F. Silaen, Sepbeariska Manurung, & Christine D. Nainggolan. (2021). Effect Analysis Of Benefit Perception, Ease Perception, Security And Risk Perception Of Merchant Interest In Using Quick Response Indonesia Standard (Qris). International Journal of Science, Technology & Management, 2(5), 1574–1581. https://doi.org/10.46729/ijstm.v2i5.313
Mutahar, A. M., Daud, N. M., Ramayah, T., Isaac, O., & Aldholay, A. H. (2018). The effect of awareness and perceived risk on the technology acceptance model (TAM): mobile banking in Yemen. International Journal of Services and Standards, 12(2), 180–204. https://doi.org/10.1504/IJSS.2018.091840
Ningsih, M. C., Woestho, C., & Kurniawan, D. (2023). Pengaruh Literasi Keuangan, Manfaat Paylater Dan Pendapatan Generasi Z Terhadap Minat Penggunaan Paylater Di Platfrom Shopee Pada Kecamatan Tambun Selatan. Jurnal Economina, 2(11), 3218–3231. https://doi.org/10.55681/economina.v2i11.967
Nuridzul, & Usman, O. (n.d.). The Effect Of Trust Perception, Risk Perception, And Security Perception On The Interest In Using E-Money (Electronic Money). 1–19.
Prayusi, A. D., & Ingriyani, L. (2023). Pengaruh Literasi Keuangan , Persepsi Kemudahan , Persepsi Risiko , dan Kepercayaan Terhadap Minat Menggunakan Shopee Paylater ( Studi Kasus Pada Mahasiswa Politeknik Negeri Jakarta ). Prosiding Seminar Nasional Akuntansi Dan Manajemen, 3.
Putri, F. A., & Iriani, S. S. (2020). Pengaruh Kepercayaan dan Kemudahan terhadap Keputusan Pembelian Menggunakan Pinjaman Online Shopee PayLater. Jurnal Ilmu Manajemen, 8(3), 818. https://doi.org/10.26740/jim.v8n3.p818-828
Rhine, S. L. W., & Toussaint-Comeau, M. (2002). Adult preferences for the delivery of personal finance information. Journal of Financial Counseling and Planning, 13(2), 11–26.
Setiawan, E., Winarno, W. W., & Fudholi, D. H. (2021). Analisis Faktor Penerimaan Layanan e-Government dengan Menggunakan Model UTAUT2 dan GAM di Kabupaten Gunungkidul. Jurnal Media Informatika Budidarma, 5(1), 34. https://doi.org/10.30865/mib.v5i1.2565
Singh, N., & Sinha, N. (2020). How perceived trust mediates merchant’s intention to use a mobile wallet technology. Journal of Retailing and Consumer Services, 52(March 2019), 101894. https://doi.org/10.1016/j.jretconser.2019.101894
Siregar, W. S., Nasution, A. I. L., & Nurwani, N. (2023). Pengaruh Persepsi Manfaat, Persepsi Kemudahan Penggunaan dan Persepsi Risiko Terhadap Minat Menggunakan Shopee Paylater. Jurnal Syntax Transformation, 4(4), 44–56. https://doi.org/10.46799/jst.v4i4.710
Tian, Y., Chan, T. J., Suki, N. M., & Kasim, M. A. (2023). Moderating Role of Perceived Trust and Perceived Service Quality on Consumers’ Use Behavior of Alipay e-wallet System: The Perspectives of Technology Acceptance Model and Theory of Planned Behavior. Human Behavior and Emerging Technologies, 2023. https://doi.org/10.1155/2023/5276406
Williams, K., & Davis, M. (2017). Referencing and Understanding Plagiarism. Macmillan International Higher Education.
Yang, M., Al Mamun, A., Mohiuddin, M., Nawi, N. C., & Zainol, N. R. (2021). Cashless transactions: A study on intention and adoption of e-wallets. Sustainability (Switzerland), 13(2), 1–18. https://doi.org/10.3390/su13020831
Downloads
Published
How to Cite
Issue
Section
License
Copyright (c) 2024 Jurnal Manajemen Bisnis
This work is licensed under a Creative Commons Attribution 4.0 International License.
