SOCIETY’S PREFERENCE CONCERNS WITH CASHLESS AND CARDLESS TRANSACTIONS IN MATARAM, WEST NUSA TENGGARA
DOI:
https://doi.org/10.14421/jmd.2021.72-05Abstract
Perkembangan teknologi digital di dalam kehidupan manusia memberikan dampak signifikan di dalam berbagai lini kehidupan termasuk transaksi keuangan digital. Penelitian ini bertujuan untuk mengeksplorasi preferensi masyarakat dalam perilaku transaksi cashless dan cardless. Studi ini menggunakan uji Z untuk menganalisis adanya perbedaan antara pengguna transaksi cashless dan cardless. Penelitian ini menggunakan metode kuantitatif dengan jenis penelitian perbandingan. Pengujian hipotesis dalam penelitian ini menggunakan uji Z yang bertujuan untuk mengkomparasi satu variable dengan dua sampel yang berbeda yaitu pengguna transaksi cashless dan cardless. Jumlah sampel yang digunakan dalam penelitian ini berjumlah 100 responden yang tersebar di Kota Mataram Nusa Tenggara Barat. Variabel yang digunakan dalam penelitian ini diadopsi berdasarkan toeri TAM (Technology Accpetance Models) yaitu; perceived ease of use (PEOU), perceived usefulness (PU), perception of privacy (PP), and perceived risk. Hasil pengujian dengan uji z pada keempat varibel preferensi masyarakat pengguna cardless dan cashless diperoleh bahwa tidak terdapat perbedaan antara preferensi masyarakat dalam prilaku transaksi cashless dan cardless. Penelitian ini memberikan implikasi agar pemangku kebijakan pada Lembaga Jasa Keuangan baik perbankan atau lembaga yang terkait agar meningkatkan layanan variasi fitur teknologi dan peningkatan keamanan dalam bertransaksi.
Abstract viewed: 324 times
|
PDF downloaded = 442 times
References
Ahmad, Kawsar, ‘Research in Business & Social Science Impact of Consumer ’ s Security , Benefits and Usefulness towards Cashless Transaction within Malaysian University Student’, 10.2, 2021.
Ajzen, Icek, ‘The Theory of Planned Behaviour : Reactions and Reflections’, 0446 (2011) <https://doi.org/10.1080/08870446.2011.613995>
Al-jabri, Ibrahim M, ‘Mobile Banking Adoption : Application Of Diffusion Of Innovation Theory’, 13.4 (2012), 379–91
Alalwan, A.; Dwivedi, Y.K.; Rana, Nripendra P.; Williams, M.D, ‘Consumer Adoption of Mobile Banking in Jordan : Examining the Role of Usefulness , Ease of Use , Perceived Risk and Self-Efficacy’, c, 2022.
Ali, Q, S Parveen, H Yaacob, and Z Zaini, ‘Cardless Banking System in Malaysia: An Extended TAM’, Risks, 2021 <https://www.mdpi.com/999470>
Ali, Qaisar, Shazia Parveen, Hakimah Yaacob, and Zaki Zaini, ‘Cardless Banking System in Malaysia: An Extended Tam’, Risks, 9.2 (2021), 1–16 <https://doi.org/10.3390/risks9020041>
Andi Mappiare, Psikologi Orang Dewasa Bagi Penyesuaian Dan Pendidikan (Usana Offsetprinting, 1994.
Angelica, Ivonne, Castiblanco Jimenez, Laura Cristina, Cepeda García, Maria Grazia Violante, Federica Marcolin, and others, ‘Commonly Used External TAM Variables in E-Learning , Agriculture and Virtual Reality Applications’, 2021.
Ayo, C K, C M Mac-Eze, A A Adebiyi, A Oni, and ..., ‘Developing a Multi-Factor Authentication-Based Cardless Electronic Payment System’, … Series: Earth and …, 2021 <https://doi.org/10.1088/1755-1315/665/1/012009>
Bakar, Nashirah Abu, Sofian Rosbi, and Uzaki Kiyotaka, ‘E-Wallet Transactional Framework for Digital Economy : A Perspective from E-Wallet Transactional Framework for Digital Economy : A Perspective from Islamic Financial Engineering’, March, 2020 <https://doi.org/10.18775/ijmsba.1849-5664-5419.2014.63.1005>
Chang, W L, L M Chen, and T Hashimoto, ‘Cashless Japan: Unlocking Influential Risk on Mobile Payment Service’, Information Systems Frontiers (Springer, 2021) <https://doi.org/10.1007/s10796-021-10160-6>
Chang, Younghoon, Siew Fan Wong, Christian Fernando Libaque-Saenz, and Hwansoo Lee, ‘The Role of Privacy Policy on Consumers’ Perceived Privacy’, Government Information Quarterly, 35.3 (2018), 445–59 <https://doi.org/10.1016/j.giq.2018.04.002>
Chuang, Li-Min, Chun-Chu Liu, and Hsiao-Kuang Kao, ‘The Adoption of Fintech Service: TAM Perspective’, International Journal of Management and Administrative Sciences, IJMAS, 3.07 2016.
Donohue, Karen, Özalp Özer, and Yanchong Zheng, ‘Manufacturing & Service Operations Management Behavioral Operations : Past , Present , and Future Behavioral Operations : Past , Present , and Future’, February 2022.
Fabris, Nikola, ‘Cashless Society - The Future of Money or a Utopia?’, Journal of Central Banking Theory and Practice, 8.1 (2019), 53–66 <https://doi.org/10.2478/jcbtp-2019-0003>
Fitriyah, A. tsalasatul, & Vici Handalusia, Statistik Penelitian Ekonomi Dan Bisnis. Sanabil, 2020.
Hassan, A, A George, L Varghese, and ..., ‘The Biometric Cardless Transaction with Shuffling Keypad Using Proximity Sensor’, 2020 Second …, 2020 <https://ieeexplore.ieee.org/abstract/document/9183314/>
Hu, Kejia, Shuai Ling, Shoufeng Ma, and Sriram Venkataraman, ‘The Cardless and Cashless Future: The Rise of Mobile Payment’, SSRN Electronic Journal, 2020, 1–25 <https://doi.org/10.2139/ssrn.3543163>
Husnayetti, H, E Sestri, and I Novida, ‘Analisis Faktor Penentu Preferensi Masyarakat Milenial Dalam Menggunakan Sistem Pembayaran Secara Cashless Di Tangerang Selatan’, Jurnal Teknologi Informasi …, 2020 <http://ojs.itb-ad.ac.id/index.php/JUTECH/article/view/851>
Johnson, Vess L, Richard W Woolridge, Wenjun Wang, Joseph R Bell, Richard W Woolridge, and Joseph R Bell, ‘The Impact of Perceived Privacy , Accuracy and Security on the Adoption of Mobile Self-Checkout Systems’, 31.1 (2020) <https://doi.org/10.3917/jie.031.0221>
Khan, Imran, Linda D Hollebeek, Mobin Fatma, and Jamid Islam, ‘Brand Engagement and Experience in Online Services’, January, 2020 <https://doi.org/10.1108/JSM-03-2019-0106>
Kinsman, J E, ‘Cardless Banking in the Nelson Mandela Metropole: A Means of Financial Inclusion for the Excluded’, Journal of Economic and Financial Sciences, 2019 <https://doi.org/10.4102/jef.v12i1.182>
Lai, P C, ‘The Literature Review Of Technology Adoption Models And Theories For The Novelty Technology’, 14.1 (2017), 21–38 <https://doi.org/10.4301/S1807-17752017000100002>
Lui, Hung Kit, and Rodger Jamieson, ‘TriTAM: A Model for Integrating Trust and Risk Perceptions in Business-to-Consumer Electronic Commerce’, 16th Bled Electronic Commerce ETransformation, September 2001, 2003.
M.T, Hirnissa, Zariyawati M.A2, and Fadilla R, ‘The Determinant Factors That Influence the Generations Z and Older Generations in Malaysia Toward Cashless Society’, Advanced International Journal of Business, Entrepreneurship and SMEs, 3.9 (2021), 22–35 <https://doi.org/10.35631/aijbes.39003>
Mahammad, E, N Malladhi, G Ram, and ..., ‘Internet of Things-Based Cardless Banking System with Fingerprint Authentication Using Raspberry Pi’, … Conference on Soft …, 2021 <https://doi.org/10.1007/978-981-16-7088-6_61>
Marlina, L, A Mundzir, and H Pratama, ‘Cashless Dan Cardless Sebagai Perilaku Transaksi Di Era Digital: Suatu Tinjauan Teoretis Dan Empiris’, Jurnal Co Management, 2020 <https://journal.ikopin.ac.id/index.php/co-management/article/view/424>
Mekovec, R., and Ž Hutinski, ‘The Role of Perceived Privacy and Perceived Security in Online Market’, MIPRO 2012 - 35th International Convention on Information and Communication Technology, Electronics and Microelectronics - Proceedings, 2012, 1549–54
Padmawidjaja, L, TFCW Sutrisno, and ..., ‘Student Preference towards Ovo as a Cashless Payment Facility (Study at Students of Faculty of Business in Surabaya City)’, Jurnal Aplikasi …, 2020 <https://jurnaljam.ub.ac.id/index.php/jam/article/view/1954>
Pal, Joyojeet, Priyank Chandra, and Vaishnav Kameswaran, ‘Digital Payment and Its Discontents : Street Shops and the Indian Government ’ s Push for Cashless Transactions Digital Payment and Its Discontents : Street Shops and the Indian Government ’ s Push for Cashless Transactions’, December, 2018 <https://doi.org/10.1145/3173574.3173803>
Pearson, J Michael, ‘Internet Banking Acceptance In Malaysia Based On’, 5.1 (2008), 3–13 <https://doi.org/10.4301/S1807-17752008000100001>
Philip Kotler, Manajemen Pemasaran Cet Ke-10. Prehalindo, 2010.
Phothikitti, Kitti, ‘Factors Influencing Intentions to Use Cardless Automatic Teller Machine (ATM)’, International Journal of Economics and Business Administration, VIII.Issue 3 (2020), 40–56 <https://doi.org/10.35808/ijeba/485>
Poerwadaminta, W. J. S, Kamus Besar Bahasa Indonesia Edisi III (Balai Pustaka, 2006.
Qaisar Ali,Zaki Zaini, Shazia Parveen, ‘Cardless Banking System in Malaysia : An Extended TAM’, Risks, 09.41 (2021) <https://doi.org/10.3390/risks9020041>
Roca, Juan Carlos, Juan José García, and Juan José de la Vega, ‘The Importance of Perceived Trust, Security and Privacy in Online Trading Systems’, Information Management and Computer Security, 17.2 (2009), 96–113 <https://doi.org/10.1108/09685220910963983>
Sheller, Mimi, ‘Mobile Publics: Beyond the Network Perspective’, Environment and Planning D: Society and Space, 22.1 (2004), 39–52 <https://doi.org/10.1068/d324t>
Van Son Dinh, Hoang Viet Nguyen, The Ninh Nguyen, ‘Cash or Cashless ?’, Strategic Direction Page, 34.1 (2018), 1–4 <https://doi.org/10.1108/SD-08-2017-0126>
Venkatesh, Viswanath, and Fred D. Davis, ‘Theoretical Extension of the Technology Acceptance Model: Four Longitudinal Field Studies’, Management Science, 46.2 (2000), 186–204 <https://doi.org/10.1287/mnsc.46.2.186.11926>
Yang, Marvello, Abdullah Al Mamun, Muhammad Mohiuddin, Noorshella Che Nawi, and Noor Raihani Zainol, ‘Cashless Transactions: A Study on Intention and Adoption of e-Wallets’, Sustainability (Switzerland), 13.2 (2021), 1–18 <https://doi.org/10.3390/su13020831>
Downloads
Published
How to Cite
Issue
Section
License
Authors who publish with Jurnal MD agree to the following terms:
- Authors retain copyright and grant the journal right of first publication with the work simultaneously licensed under a Creative Commons Attribution-NonCommercial 4.0 International License that allows others to share the work with an acknowledgement of the work's authorship and initial publication in this journal.
- Authors are able to enter into separate, additional contractual arrangements for the non-exclusive distribution of the journal's published version of the work (e.g., post it to an institutional repository or publish it in a book), with an acknowledgement of its initial publication in this journal.
- Authors are permitted and encouraged to post their work online (e.g., in institutional repositories or on their website) prior to and during the submission process, as it can lead to productive exchanges, as well as earlier and greater citation of published work (See The Effect of Open Access).
