Factors Affecting Millennial Generation Interest of Using E-Money

Afrida Putritama · Rizki Shinta Puspita Sari

4 citations0/0 files storedJurnal Economia

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Technology Adoption and User Behaviour Consumer Behavior and Marketing Influence Health, Technology, Consumer Behavior

Abstract

Abstract: This research aims to answer the research gap of previous TAM research, as the factors affecting interest in using e-money on millennials by using 2 aspects of the TAM (ease and usefulness) with promotion and risk of use. This research applied causal-comparative to quantitative research methods. The results imply that: 1) The higher the ease of use of e-money, the higher the interest of millennials in using e-money; 2) Millennials have perceived the benefits from using e-money in transactions which certainly encourages the interest on using it; 3) The more intense the promotion carried out by the publisher, the millennials will be more likely to experience the promotion, so that it can encourage the interest in using e-money; 4) Millennials tend to prioritize the benefits than the risks of using e-money.Keywords: interest to use, e-money, millennials Faktor yang Mempengaruhi Minat Penggunaan E-money pada Generasi MilenialAbstrak: Penelitian ini bertujuan menjawab research gap penelitian TAM terdahulu yaitu mengetahui faktor yang mempengaruhi minat penggunaan e-money pada generasi milenial dengan menggunakan 2 aspek pada teori TAM (kemudahan dan kebermanfaatan) dengan daya tarik promosi dan risiko penggunaan. Penelitian ini menggunakan metode penelitan kuantitatif kausal komparatif. Hasil penelitian ini mengimplikasikan bahwa: 1) Semakin tinggi kemudahan penggunaan e-money yang dirasakan, maka semakin tinggi pula minat generasi milenial untuk menggunakan e-money, 2) Generasi milenial telah merasakan manfaat yang dihadirkan dari penggunaan e-money dalam bertransaksi yang tentunya mendorong minat menggunakan e-money; 3) Semakin gencar promosi yang dilakukan pihak penerbit maka semakin besar kemungkinan generasi milenial merasakan promosi yang diberikan sehingga mampu mendorong minat untuk menggunakan e-money; 4) Generasi milenial cenderung mementingkan manfaat yang didapat dibandingkan dengan risiko yang akan diterima dari penggunaan e-money.Kata kunci: minat penggunaan, e-money, generasi milenial

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1989Perceived Usefulness, Perceived Ease of Use, and User Acceptance of Information Technology 2000A Theoretical Extension of the Technology Acceptance Model: Four Longitudinal Field Studies 2013Social Research Methods 2003Consumer Acceptance of Electronic Commerce: Integrating Trust and Risk with the Technology Acceptance Model 1991Predicting User Intentions: Comparing the Technology Acceptance Model with the Theory of Planned Behavior 2008Factors influencing the adoption of internet banking: An integration of TAM and TPB with perceived risk and perceived benefit 2003Perilaku konsumen: konsep dan implikasi untuk strategi dan penelitian pemasaran 2015Understanding perceived risks in mobile payment acceptance

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