ANALISIS PENERIMAAN APLIKASI FINTECH DENGAN HEDONIC MOTIVATION SYSTEM ADOPTION MODEL

Bintang Satria Nugraha
Ariya Dwika Cahyono - [ http://orcid.org/0000-0001-8387-6822 ]


DOI: https://doi.org/10.29100/jipi.v10i2.6072

Abstract


Perkembangan teknologi dan inovasi di sektor keuangan menciptakan fintech. Aplikasi fintech merupakan salah satu bentuk fintech yang membuka akses layanan keuangan untuk semua kalangan dan berkontribusi positif terhadap pertumbuhan ekonomi yang inklusif. Namun penerimaan aplikasi fintech di Indonesia masih rendah. Dalam penerimaan teknologi faktor intrinsik memiliki peran penting. Untuk mengatasi permasalahan tersebut dilakukan penelitian analisis penerimaan aplikasi fintech dengan tujuan mengetahui faktor yang mempengaruhi niat dalam penggunaan dan imersi pengguna saat menggunakan aplikasi fintech berdasarkan kerangka teoritis HMSAM (Hedonic Motivation System Adoption Model). Penelitian ini menggunakan metode kuantitatif dengan kuesioner sebagai metode pengumpulan data. Data yang dikumpulkan dianalisis secara statistik dengan metode SEM-PLS menggunakan aplikasi SmartPLS v3.2.9. Hasil penelitian menunjukkan niat dalam penggunaan aplikasi fintech dipengaruhi secara signifikan oleh persepsi kemudahan penggunaan, kontrol, kebahagiaan, dan persepsi kegunaan. Sedangkan imersi pada aplikasi fintech dipengaruhi secara signifikan oleh persepsi kemudahan penggunaan, keingintahuan, kebahagiaan, dan kontrol. Hasil penelitian ini juga menunjukkan keingintahuan tidak berpengaruh signifikan terhadap niat dalam penggunaan aplikasi fintech.

Keywords


HMSAM; SEM-PLS; Aplikasi Fintech

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