ANALISIS PENGGUNAAN UANG ELEKTRONIK DENGAN METODE UNIFIED THEORY OF ACCEPTANCE AND USE OF TECHNOLOGY 2 (UTAUT2)

Abstract

Data from the Indonesian Financial Technology Association (IFA) and OJK in 2016 showed that the largest
percentage in financial technology was payment sector. However, the Central Jakarta survey data in 2017
shows that the cash payment method is still the consumer’s main choice of 77% in making payments. The
cash payment method is mostly chosen because it is considered more measurable, accepted everywhere
and practical. This research took place in Jakarta, Bogor, Depok, Tangerang and Bekasi (Jabodetabek).
The answers to the research are arranged using a Likert scale to be processed with Structural Equation
Modeling (SEM). The population in this study is millennial generation aged 18-36 years in Jabodetabek
with the criteria of respondents is users of online transactions. The results showed that transportation
services had the largest percentage in online transactions of 37.33%. As many as 67.72% of users get
information about the use of electronic money applications from the internet. The results of the study also
showed that 56.84% of users used electronic money applications for less than ten times in one month. The
most frequently used product is Go-Pay of 63.16% and the reason for using the most electronic money is
practically 47.02%. The top up nominal balance that is most often done is <Rp 250,000 for 45.61% and the most top up method is via SMS / Internet Banking at 64.21%. Most of the variables in
this study had a significant effect on behavioral intention except facilitation conditions, hedonic
motivation and price values. All direct variables on usage behavior have a significant effect.