“DANA” Usage : The effect of perceived ease of use & perceived security
“DANA” Usage : Pengaruh perceived ease of use & perceived security
Keywords:
Perceived Ease Of Use, Perceived Security, e-Wallet Usage, Continuous Intention
Abstract
The use of E-wallets has grown rapidly, but the challenge of maintaining users for sustainability amid fierce competition and attention to the security of personal data is an issue that needs to be analyzed. This study aims to determine the effect of Perceived Ease Of Use and Perceived Security on e-Wallet “Dana” Usage: Continuous Intention e Wallet “Dana” as a Mediating Variable. This research sampling technique with certain criteria. The research participants totaled 208 respondents who were selected as samples. Data were collected through online distribution of questionnaires and then analyzed using SmartPLS 4.0 software. The results of this study reveal that (1) perceived ease of use has no significant effect on continuous intention, (2) perceived security has a positive and significant effect on continuous intention, (3) perceived ease of use has a direct effect on e-wallet usage, (4) perceived security has no direct effect on e-wallet usage, (5) Continuous Intention affects e-wallet usage, (6) Continuous Intention does not mediate the relationship between perceived ease of use and e-wallet usage. (7) Continuous Intention mediates the relationship between perceived security and e-wallet usage.
References
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Anthony, D., & Mutalemwa, D. K. (2014). Factors influencing the Use of Mobile Payments inTanzania: Insight from Zantel’s Z-pesal services. The Journal of Language, Technology & Entr-epreneurship in Africa, 5(2), 69-93
Atchariyachanvanich, Kanokwan., Noboru S., Hitoshi O. (2008). What are the Benefits of Continued Purchasing through the Internet? A Study of South Korean Consumers. Journal of Service Science and Management. 01(01):101-110. DOI:10.4236/jssm.2008.11010
Balapour, A., Nikkhah, H. R., & Sabherwal, R. (2020). Mobile Application Security: Role ofPerceived Privacy as The Pre-dictor ofSecurity Perceptions. Interna-tional Journal of Information Manage-ment, 52
Bhattacherjee, A. (2001). Understanding information systems continuance: An expectation-confirmation model. MIS Quarterly, 25(3), 351-370
Chen, Y., Zhang, C., & Xu, H. (2020). The role of perceived security and perceived ease of use in e-wallet adoption: An empirical study of Chinese consumers. Journal of Electronic Commerce Research, 21(1), 40-57
Davis, F. D. (1989). Perceived Usefulness, Perceived Ease of Use, and User Acceptance of Information Technology. MIS Quarterly, 13(3), 319-340. https://doi.org/10.2307/249008
Flavián, C., & Guinalíu, M. (2006). Consumer trust, perceived security and privacy policy: Three basic elements of loyalty to a web site. Industrial Management & Data Systems, 106(5), 601-620. https://doi.org/10.1108/02635570610666403
Gita, N. W., & Juliarsa, G. (2021). Persepsi Kepercayaan, Kegunaan, Kemudahan Penggunaan, Keamanan Dan Minat Ulang Menggunakan Mobile Banking Jenius.E-Jurnal Akuntansi, 31(8), 2086-2099. https://doi.org/10.24843/eja.202 1.v31.i08.p16
Gupta, S., & Arora, A. (2022). Factors Influencing the Continuous Usage of E-Wallets: A Study in Emerging Markets. Journal of Retailing and Consumer Services, 64, 102706. https://doi.org/10.1016/j.jretconser.2021.102706
Harris, M. A., Chin, A. G., & Brookshire, R. (2015). Mobile App Installation: the Role of Precautions and Desensitization. Journal of International Technology and Information Management, 24(4), 45–62. https://doi.org/10.58729/1941- 6679.1052
Hartono, E., Holsapple, C. W., Kim, K.-Y., Na, K.-S., & Simpson, J. T. (2014). Measuring perceived security in B2C electronic commerce website usage: A respecification and validation. https://doi.org/10.1016/j.dss.2014.02.006
Hernandez, J. M., Jiménez, J. A., & Martín, J. A. (2011). The Influence of Perceived Security and Trust on the Adoption of Online Banking. Journal of Economic Psychology, 32(3), 45-57. https://doi.org/10.1016/j.joep.2010.11.004
Jati, N. J., & Laksito, H. (2012). Analisis faktor-faktor yang mempengaruhi minat pemanfaatan dan sistem e-tiket. Diponegoro Journal if Accounting, 1(2), 1-15
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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 perceived ease of use. Decision Support Systems, 44(2), 544-564. https://doi.org/10.1016/j.dss.2007.07.001
Kim, D. J., Ferrin, D. L., & Rao, H. R. (2010). Trust and satisfaction, two stepping stones for successful e-commerce relationships: A longitudinal exploration. Information Systems Research, 21(2), 237-257. https://doi.org/10.1287/isre.1080.0188
Kumar, A., Singh, R., & Gupta, V. (2021). Factors Influencing the Adoption of E-Wallets: A Study on Consumer Behavior. International Journal of Business and Management, 16(3), 45-60. https://doi.org/10.5539/ijbm.v16n3p45
Liao, C., Hsieh, Y. C., & Chou, H. (2023). The Role of Trust and Security in the Acceptance of E-Wallets. Electronic Commerce Research and Applications, 50, 101158. https://doi.org/10.1016/j.elerap.2022.101158
Liu, Y., Li, H., & Wei, K. K. (2021). Factors Influencing the Continuous Use of Mobile Wallets: Evidence from China. Information & Management, 58(4), 103454. https://doi.org/10.1016/j.im.2021.103454
Mulyana, A., & Wijaya, H. (2018). Perancangan E-Payment System pada E-Wallet Menggunakan Kode QR Berbasis Android. Komputika : Jurnal Sistem Komputer. 7(2), 63-69. https://doi.org/10.34010/komputika.v 7i2.1511
Pandit, K. (2019), “Hole in the eWallet: mobile payment apps face significant challenges engaging, retaining users, shows CleverTap benchmark report”, available at: www.prnewswire.com/ news-releases/hole-in-the-ewallet-mobile-payment-apps-face-significant-challenges-engagin retaining-users-shows-clevertap-benchmark-report-300782258.html (accessed 13 April 2023).
Raninda, R., Wisnalmawati, & Oetomo, H. (2022). The Effect of Perceived Usefulness, Ease of Use, Security, and Cashback Promotion on Behavioral Intention toward the DANA E-Wallet. JIMKES: Jurnal Ilmiah Manajemen Kesatuan, 10(1), 63–72. https://doi.org/10.37641/jimkes.v10i1.1218
Santoso, Hendra G. (2021). Perceived Ease to Use berpengaruh positif terhadap Usefulness, dan Usefulness berpengaruh positif terhadap Continued to Use Mobile Apps Intention. Budapest Internationa Research and Critics Institute (BIRCI-Journal): Humanities, 4 (4), 11818 -11833.
Suryati, S., & Yoga, I. (2021). The Influence of Perceived Ease of Use, Trust and Security on Intention to Use E-Wallet. JMIF: Journal of Management and Islamic Finance, 1(2), 294-308. Retrieved from https://oldjournal.iainsurakarta.ac.id/index.php/jmif/article/view/4692
Sutanto, E. M., & Yessica, Y. (2020). Analisis Pemilihan Aplikasi Pembayaran DANA. Journal of Business &Amp; Banking, 10(1), 53–69. https://doi.org/10.14414/jbb.v10i1.2139
Venkatesh, V., Thong, J. Y. L., & Xu, X. (2012). Consumer Acceptance and Use of Information Technology: Extending the Unified Theory of Acceptance and Use of Technology. MIS Quarterly, 36(1), 157-178. https://doi.org/10.2307/41410412
Visakha, M. D., & Keni, K. (2022). The Impact Of Security And Perceived Ease Of Use On Reuse Intention Of E-Wallet Users In Jakarta: The Mediating Role Of E-Satisfaction, 655, 36- 42, https://doi.org/https://dx.doi.org/0.2991/assehr.k.220404.007
Yahid, B., Shahbahrami, A., & Nobakht, M. B. (2013). Providing security for E-wallet using E-cheque. 2013 7th Intenational Conference on ECommerce in Developing Countries: With Focus on e-Security, ECDC 2013. https://doi.org/10.1109/ECDC.2013.6 556725
Youn, S., & Kim, H. (2008). Antecedents of consumer attitudes toward cause-related marketing. Journal of Advertising Research, 48(1), 123–137. https://doi.org/10.2501/S0021849908080136
Zainal, M., & Rahadi, D. R. (2015). Analisis Technology Acceptance Model pada Industri Perbankan. Jurnal Sistem Informasi, 7(2), 837-851
Zhou, T. (2011). An empirical examination of users’ post-adoption behaviour of mobile services. Behaviour & Information Technology, 30(2), 241-250. https://doi.org/10.1080/0144929X.2010.543702
Zhou, T. (2013). An Empirical Examination of Users’ Information Technology Adoption: A Perspective of User Innovation. Computers in Human Behavior, 29(2), 403-411. https://doi.org/10.1016/j.chb.2012.11.017
Amoroso, D., & Lim, R. (2017). The mediating effects of habit on continuance intention. International Journal of Information Management, 37(6), 693-702. https://doi.org/10.1016/j.ijinfomgt.2017.05.003
Anthony, D., & Mutalemwa, D. K. (2014). Factors influencing the Use of Mobile Payments inTanzania: Insight from Zantel’s Z-pesal services. The Journal of Language, Technology & Entr-epreneurship in Africa, 5(2), 69-93
Atchariyachanvanich, Kanokwan., Noboru S., Hitoshi O. (2008). What are the Benefits of Continued Purchasing through the Internet? A Study of South Korean Consumers. Journal of Service Science and Management. 01(01):101-110. DOI:10.4236/jssm.2008.11010
Balapour, A., Nikkhah, H. R., & Sabherwal, R. (2020). Mobile Application Security: Role ofPerceived Privacy as The Pre-dictor ofSecurity Perceptions. Interna-tional Journal of Information Manage-ment, 52
Bhattacherjee, A. (2001). Understanding information systems continuance: An expectation-confirmation model. MIS Quarterly, 25(3), 351-370
Chen, Y., Zhang, C., & Xu, H. (2020). The role of perceived security and perceived ease of use in e-wallet adoption: An empirical study of Chinese consumers. Journal of Electronic Commerce Research, 21(1), 40-57
Davis, F. D. (1989). Perceived Usefulness, Perceived Ease of Use, and User Acceptance of Information Technology. MIS Quarterly, 13(3), 319-340. https://doi.org/10.2307/249008
Flavián, C., & Guinalíu, M. (2006). Consumer trust, perceived security and privacy policy: Three basic elements of loyalty to a web site. Industrial Management & Data Systems, 106(5), 601-620. https://doi.org/10.1108/02635570610666403
Gita, N. W., & Juliarsa, G. (2021). Persepsi Kepercayaan, Kegunaan, Kemudahan Penggunaan, Keamanan Dan Minat Ulang Menggunakan Mobile Banking Jenius.E-Jurnal Akuntansi, 31(8), 2086-2099. https://doi.org/10.24843/eja.202 1.v31.i08.p16
Gupta, S., & Arora, A. (2022). Factors Influencing the Continuous Usage of E-Wallets: A Study in Emerging Markets. Journal of Retailing and Consumer Services, 64, 102706. https://doi.org/10.1016/j.jretconser.2021.102706
Harris, M. A., Chin, A. G., & Brookshire, R. (2015). Mobile App Installation: the Role of Precautions and Desensitization. Journal of International Technology and Information Management, 24(4), 45–62. https://doi.org/10.58729/1941- 6679.1052
Hartono, E., Holsapple, C. W., Kim, K.-Y., Na, K.-S., & Simpson, J. T. (2014). Measuring perceived security in B2C electronic commerce website usage: A respecification and validation. https://doi.org/10.1016/j.dss.2014.02.006
Hernandez, J. M., Jiménez, J. A., & Martín, J. A. (2011). The Influence of Perceived Security and Trust on the Adoption of Online Banking. Journal of Economic Psychology, 32(3), 45-57. https://doi.org/10.1016/j.joep.2010.11.004
Jati, N. J., & Laksito, H. (2012). Analisis faktor-faktor yang mempengaruhi minat pemanfaatan dan sistem e-tiket. Diponegoro Journal if Accounting, 1(2), 1-15
Jogiyanto, PH (2019). SIstem Informasi Keprilakuan. Yogyakarta: Yogyakarta: Andi Offset, 2007
Kahar, A., Wardi, Y., & Patrisia, D. (2019). The Influence of Perceived of Usefulness, Perceived Ease of Use, and Perceived Security on Repurchase Intention at Tokopedia.com. Proceedings of the 2nd Padang International Conference on Education, Economics, Business and Accounting (PICEEBA-2 2018). Proceedings of the 2nd Padang International Conference on Education, Economics, Business and Accounting (PICEEBA-2 2018), Padang, Indonesia.
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 perceived ease of use. Decision Support Systems, 44(2), 544-564. https://doi.org/10.1016/j.dss.2007.07.001
Kim, D. J., Ferrin, D. L., & Rao, H. R. (2010). Trust and satisfaction, two stepping stones for successful e-commerce relationships: A longitudinal exploration. Information Systems Research, 21(2), 237-257. https://doi.org/10.1287/isre.1080.0188
Kumar, A., Singh, R., & Gupta, V. (2021). Factors Influencing the Adoption of E-Wallets: A Study on Consumer Behavior. International Journal of Business and Management, 16(3), 45-60. https://doi.org/10.5539/ijbm.v16n3p45
Liao, C., Hsieh, Y. C., & Chou, H. (2023). The Role of Trust and Security in the Acceptance of E-Wallets. Electronic Commerce Research and Applications, 50, 101158. https://doi.org/10.1016/j.elerap.2022.101158
Liu, Y., Li, H., & Wei, K. K. (2021). Factors Influencing the Continuous Use of Mobile Wallets: Evidence from China. Information & Management, 58(4), 103454. https://doi.org/10.1016/j.im.2021.103454
Mulyana, A., & Wijaya, H. (2018). Perancangan E-Payment System pada E-Wallet Menggunakan Kode QR Berbasis Android. Komputika : Jurnal Sistem Komputer. 7(2), 63-69. https://doi.org/10.34010/komputika.v 7i2.1511
Pandit, K. (2019), “Hole in the eWallet: mobile payment apps face significant challenges engaging, retaining users, shows CleverTap benchmark report”, available at: www.prnewswire.com/ news-releases/hole-in-the-ewallet-mobile-payment-apps-face-significant-challenges-engagin retaining-users-shows-clevertap-benchmark-report-300782258.html (accessed 13 April 2023).
Raninda, R., Wisnalmawati, & Oetomo, H. (2022). The Effect of Perceived Usefulness, Ease of Use, Security, and Cashback Promotion on Behavioral Intention toward the DANA E-Wallet. JIMKES: Jurnal Ilmiah Manajemen Kesatuan, 10(1), 63–72. https://doi.org/10.37641/jimkes.v10i1.1218
Santoso, Hendra G. (2021). Perceived Ease to Use berpengaruh positif terhadap Usefulness, dan Usefulness berpengaruh positif terhadap Continued to Use Mobile Apps Intention. Budapest Internationa Research and Critics Institute (BIRCI-Journal): Humanities, 4 (4), 11818 -11833.
Suryati, S., & Yoga, I. (2021). The Influence of Perceived Ease of Use, Trust and Security on Intention to Use E-Wallet. JMIF: Journal of Management and Islamic Finance, 1(2), 294-308. Retrieved from https://oldjournal.iainsurakarta.ac.id/index.php/jmif/article/view/4692
Sutanto, E. M., & Yessica, Y. (2020). Analisis Pemilihan Aplikasi Pembayaran DANA. Journal of Business &Amp; Banking, 10(1), 53–69. https://doi.org/10.14414/jbb.v10i1.2139
Venkatesh, V., Thong, J. Y. L., & Xu, X. (2012). Consumer Acceptance and Use of Information Technology: Extending the Unified Theory of Acceptance and Use of Technology. MIS Quarterly, 36(1), 157-178. https://doi.org/10.2307/41410412
Visakha, M. D., & Keni, K. (2022). The Impact Of Security And Perceived Ease Of Use On Reuse Intention Of E-Wallet Users In Jakarta: The Mediating Role Of E-Satisfaction, 655, 36- 42, https://doi.org/https://dx.doi.org/0.2991/assehr.k.220404.007
Yahid, B., Shahbahrami, A., & Nobakht, M. B. (2013). Providing security for E-wallet using E-cheque. 2013 7th Intenational Conference on ECommerce in Developing Countries: With Focus on e-Security, ECDC 2013. https://doi.org/10.1109/ECDC.2013.6 556725
Youn, S., & Kim, H. (2008). Antecedents of consumer attitudes toward cause-related marketing. Journal of Advertising Research, 48(1), 123–137. https://doi.org/10.2501/S0021849908080136
Zainal, M., & Rahadi, D. R. (2015). Analisis Technology Acceptance Model pada Industri Perbankan. Jurnal Sistem Informasi, 7(2), 837-851
Zhou, T. (2011). An empirical examination of users’ post-adoption behaviour of mobile services. Behaviour & Information Technology, 30(2), 241-250. https://doi.org/10.1080/0144929X.2010.543702
Zhou, T. (2013). An Empirical Examination of Users’ Information Technology Adoption: A Perspective of User Innovation. Computers in Human Behavior, 29(2), 403-411. https://doi.org/10.1016/j.chb.2012.11.017
Published
2024-12-16
How to Cite
Anisa Yuniar Safira, & Astri Yuza Sari. (2024). “DANA” Usage : The effect of perceived ease of use & perceived security: “DANA” Usage : Pengaruh perceived ease of use & perceived security. Santhet (Jurnal Sejarah Pendidikan Dan Humaniora), 8(2), 2517-2525. https://doi.org/10.36526/santhet.v8i2.4741
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