The Use of E-Money During the Covid-19 Pandemic: Attitudes and Interests of Balinese People
DOI:
https://doi.org/10.22441/jurnal_mix.2022.v12i1.009Kata Kunci:
attitude toward using, covid-19, e-money, intention to use, perceived.Abstrak
Objectives: The objective of this research is to review and analyze the impact of perceived ease of use, perceived usefulness, and perceived risk on attitude toward using and intention to use e-money during the Covid-19 pandemic.
Methodology: The example utilized upwards of 115 respondents with an accidental sampling method and the data were processed and analyzed using SEM-PLS.
Finding: The outcomes showed that intentions to use e-money were influenced by perceived ease of use, perceived usefulness, and attitude toward using, while perceived risk didn't influence attitude toward using and intention to use e-money.
Conclusion: The use of e-money has increased because e-money can provide more convenience and benefits in reducing the risk of spreading covid-19. The utilization of e-money additionally turns out to be more compelling when there is social removal so that dangers, for example, network interruption and security presently don't influence the utilization of e-money.
Referensi
Aji, H. M., Berakon, I., & Riza, A. F. (2020). The effects of subjective norm and knowledge about riba on intention to use e-money in Indonesia. Journal of Islamic Marketing.
Albaity, M., & Rahman, M. (2019). The intention to use Islamic banking: an exploratory study to measure Islamic financial literacy. International Journal of Emerging Markets.
Andriyano, Y., & Rahmawati, D. (2016). Pengaruh persepsi kemudahan, persepsi kebermanfaatan, persepsi risiko dan kepercayaan terhadap minat menggunakan rekening ponsel (studi kasus pada nasabah CIMB Niaga Daerah Istimewa Yogyakarta). Jurnal Profita: Kajian Ilmu Akuntansi, 4(2).
Anjelina, A. (2018). Persepsi Konsumen Pada Penggunaan E-Money. Journal of Applied Managerial Accounting, 2(2), 219-231.
Bank Indonesia. (2009). Peraturan Bank Indonesia No.11/12/PBI/2009 - Uang Elektronik (Electronic Money). Bank indonesia. Diakses pada laman http://www.bi.go.id/id/
Bank Indonesia. (2011). Sistem Pembayaran di Indonesia. Diakses pada laman http://www.bi.go.id
Brown, D. (2020). Can cash carry coronavirus? World Health Organization says use digital payments when possible. USA Today. Retrieved April 1, 2020, from https://www.usatoday.com/story/money/2020/03/ 06/coronavirus-covid-19-concerns-over-using-cash /4973975002/
DailySocial 2017, “E-money survey 2017”, available at: https://dailysocial.id/report/post/e-money-inindonesia-survey-2017
Dzulhaida, R., Giri & Rifaldi Windya, R. (2018). Analisis minat masyarakat terhadap penggunaan layanan e-money di indonesia dengan menggunakan model modifikasi unified theory of acceptance and use technology 2 (utaut 2). Majalah Ilmiah UNIKOM, 15.
Fan, J., Shao, M., Li, Y., & Huang, X. (2018). Understanding users’ attitude toward mobile payment use. Industrial Management & Data Systems.
Ghozali, Imam. (2015). Partial Least Square: Konsep, Teknik dan Aplikasi Menggunakan Program SmartPLS 3.0. Semarang: Badan Penerbit UNDIP.
Hair, J., Hollingsworth, C. L., Randolph, A. B., & Chong, A. Y. L. (2017). An updated and expanded assessment of PLS-SEM in information systems research. Industrial Management & Data Systems.
Hamid, A.A., Razak, F.Z.A., Bakar, A.A. and Abdullah, W.S.W. (2016), “The effects of perceived usefulness and perceived ease of use on continuance intention to use e-government”. Procedia Economics and Finance, Vol. 35, pp. 644-649.
Jain, S. (2021). Examining The Moderating Role of Perceived Risk and Web Atmospherics In Online Luxury Purchase Intention. Journal of Fashion Marketing and Management: An International Journal.
Kepramareni, P., Yuliastuti, I. A. N., & Putra, I. W. S. D. (2020). The Effectiveness of Accounting Information Systems at Hotel Resorts in Ubud. Advances in Global Economics and Business Journal, 1(2), 35-44.
Lee, Ming-Chi. (2009). Predicting and Explaining The Adoption of Online Trading: An empirical study in Taiwan. Decision Support Systems 47; 133-142.
Leerophong, A & Mardjo A. (2013). Trust and Risk in Purchase Intention through Online Social Network: A Focus Group Study of Facebook in Thailand. Journal of Economics, Business and Management, Vol. 1 No. 4
Malonda, R. C., Tulung, J. E., & Arie, F. F. (2020). He Effect Of Technology Acceptance Model, Perceived Trust, Security, And Attitude Toward OVO Usage. Jurnal EMBA: Jurnal Riset Ekonomi, Manajemen, Bisnis Dan Akuntansi, 8(1).
Marafon, D. L., Basso, K., Espartel, L. B., de Barcellos, M. D., & Rech, E. (2018). Perceived risk and intention to use internet banking. International Journal of Bank Marketing.
Marchelina, D., & Pratiwi, R. (2018). Pengaruh Persepsi Manfaat, Persepsi Kemudahan, Persepsi Risiko Dan Fitur Layanan Terhadap Minat Penggunaan E-Money (Studi Kasus Pada Pengguna E-Money Kota Palembang).
Miliani, Lani. (2013). Adoption Behavior of E-Money Usage. Journal Information Management and Business Review. Vol.5, No 7, pp. 369-378.
Novitasari, R. (2018). Determinan Sikap Dan Pengaruhnya Terhadap Minat Keperilakuan Individu Menggunakan E-Money. Jurnal Ilmiah Mahasiswa FEB, 6(2).
Novitasari, I. (2016). Pengaruh Kecocokan, Persepsi Kegunaan, Persepsi Kemudahan dan Persepsi Kenyamanan Terhadap Minat Penggunaan e-money. Jurnal Ilmiah Mahasiswa FEB, 3(2).
NusaBali. 2019. “E-Money di Bali Tumbuh Pesat”. diakses pada laman https://www.nusabali.com/berita/49467/e-money-di-bali-tumbuh-pesat
Olatokun, W., & Owoeye, O. J. (2012). Influence of Individual, Organizational, and System Factors on Attitude of Online Banking Users. Retrieved from http://proceedings.informingscience.org/InSITE2012/InSITE12p389- 403Olatokun0111.pdf
Phonthanukit Thaworn, C., Sellitto, C., & Fong, M. W. (2016). An investigation of mobile payment (m-payment) services in Thailand. Asia-Pacific Journal of Business Administration.
Prasetya, Anggara Wikan. 2020. Transaksi Non Tunai Jadi Salah Satu Cara Mencegah Penyebaran Covid-19. Dapat diakses melalui https://money.kompas.com/read/2020/05/09/144045726/transaksi-nontunai-jadi-salah-satu-cara-mencegah-penyebaran-covid-19?page=all
Ramadhan, A. F. (2016). Persepsi Mahasiswa Dalam Menggunakan E-money. Jurnal Dinamika Ekonomi & Bisnis, 13(2).
Sari, E. N. (2016). Analisis Faktor Dalam Menggunakan Layanan E-Bill Dengan Pendekatan Technology Acceptance Model (TAM). Ilmu Dan Riset Akuntansi, Volume 5, Nomor 4.
Slameto, S. (2010). Belajar dan Faktor yang Mempengaruhinya. Jakarta: Rineka Cipta.
Sungkono, P. S. W. (2020). TAM Towards Leddite Building Mandors In The Use Of E-Filing. Jurnal Akuntansi, 24(1), 119-135.
Utami, Ri. A. (2016). Pengaruh Kualitas Sistem dan Layanan, Kepercayaan, Persepsi Manfaat, Persepsi Kemudahan dan Persepsi Risiko terhadap Sikap Penggunaan E- money. Universitas Islam Indonesia.
Unduhan
Diterbitkan
Cara Mengutip
Terbitan
Bagian
Lisensi
The copyright to this article is transferred to Universitas Mercu Buana (UMB) if and when the article is accepted for publication. The undersigned hereby transfers any and all rights in and to the paper including without limitation all copyrights to UMB. The undersigned hereby represents and warrants that the paper is original and that he/she is the author of the paper, except for material that is clearly identified as to its original source, with permission notices from the copyright owners where required. The undersigned represents that he/she has the power and authority to make and execute this assignment.
We declare that this paper has not been published in the same form elsewhere.
Furthermore, I/We hereby transfer the unlimited rights of publication of the above mentioned paper in whole to UMB. The copyright transfer covers the right to reproduce and distribute the article, including reprints, translations, photographic reproductions, microform, electronic form (offline, online) or any other reproductions of similar nature.
The corresponding author signs for and accepts responsibility for releasing this material on behalf of any and all co-authors. This agreement is to be signed by at least one of the authors who have obtained the assent of the co-author(s) where applicable. After submission of this agreement signed by the corresponding author, changes of authorship or in the order of the authors listed will not be accepted.
Retained Rights/Terms and Conditions
Although authors are permitted to re-use all or portions of the Work in other works, this does not include granting third-party requests for reprinting, republishing, or other types of re-use.










