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"Mobile wallet menjadi sebuah inovasi baru yang menghadirkan layanan finansial pada perangkat seluler, salah satunya pembayaran dengan metode kredit non kartu, yaitu paylater. Saat ini di Indonesia terdapat beberapa perusahaan dompet digital yang menyediakan fitur pembayaran paylater seperti Shopeepay, OVO, Go-pay, DANA, dan lain-lain. Baik manufaktur maupun financial service melakukan pengembangan inovasi teknologi bukan hanya untuk memberikan keuntungan bagi konsumennya saja, namun juga untuk memperluas ranah bisnis nya dan meraih konsumennya lebih efektif. Maka dari itu, penting untuk melihat ­proses yang berlangsung sebelum konsumen mengadopsi penggunaan paylater. Namun, dapat dikatakan bahwa terdapat banyak hambatan dalam pengadopsian layanan mobile payment. Salah satunya permasalahan keamanan. Penelitian ini akan masuk kedalam penelitian deskriptif menggunakan studi cross-sectional untuk menjawab pertanyaan penelitian. Penelitian ini akan mencoba memahami faktor yang mempengaruhi konsumen dalam mengadopsi penggunaan paylater di Indonesia menggunakan model yang diadopsi dari DOI dan memperoleh 211 jawaban responden.  Hasil yang ditemukan bahwa compatibility dan trialability terbukti memiliki pengaruh positif terhadap intention to use dalam penggunaan metode pembayaran paylater. Dan niat seseorang untuk merekomendasikan paylater dipengaruhi oleh relative advantage, compatibility, observability dan trialability.  Temuan hasil penelitian ini memberikan wawasan bahwa kemudahan dalam mencoba inovasi penting untuk mendukung proses adopsi teknologi.

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Mobile wallet is an innovation that provides financial services on mobile devices, one of which is payment using a non-card credit method, namely paylater. Currently, there are several digital wallet companies in Indonesia that provide paylater payment features such as Shopeepay, OVO, Go-pay, and DANA. Both manufacturing and financial services develop technological innovations not only to provide benefits for their consumers, but also to expand their business realm and reach consumers more effectively. Therefore, it is important to see ­the process that takes place before consumers adopt the use of paylater. However, it can be said that there are many obstacles in the adoption of mobile payment services. For example, the security of the services. This research will be entered into a descriptive study using a cross-sectional study to answer research questions. This study tried to understand the factors that influence consumers in adopting the use of paylater in Indonesia using the model adopted from the DOI and obtained 211 respondents. The results found that compatibility and trialability were proven to have a positive influence on intention to use of the paylater payment method. And someone's intention to recommend a paylater is influenced by relative advantage, compatibility, observability and trialability. The findings of this study provide insight that the ease of trying innovations is important to support the technology adoption process."

"ABSTRAKTesis ini membahas mengenai faktor akseptasi terhadap layanan mobile wallet. Mobile wallet sebagai salah satu layanan uang digital masih merupakan suatu layanan yang relatif baru jika dibandingkan dengan layanan finansial digital lainnya. Lima faktor utama yang mempengaruhi intensi penggunaan mobile wallet yang digunakan dalam penelitian ini adalah Performance Expectancy, Effort Expectancy, Social Influences, Perceived Risk dan Perceived Mobility. Ada tiga variabel yang menjadi moderator yaitu Gender, Age dan Experience. Selain itu juga diteliti pengaruh dari intensi penggunaan terhadap intensi untuk melakukan rekomendasi. Hasil penelitian menunjukkan bahwa Performance Expectancy menjadi faktor yang paling kuat memberikan pengaruh terhadap intensi penggunaan mobile wallet sehingga dapat menjadi kunci bagi perusahaan untuk fokus pada faktor ini.

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ABSTRACTThe focus on this study is to analyze the acceptance factor of mobile wallet services. Mobile wallet is a relatively new digital money service when compared to others digital financial services. In this study, there are five predictor factors that influence the behavioral intention to adopt the mobile wallet service. Also, there are three moderator variables which are gender, age and experiences that affect some relations in this study. And further we examined the influence of behavioral intention to adopt towards behavioral intention to recommend. The result from this study show that Performance Expectancy has the strongest influence to behavioral intention to adopt so it can be the key for the company to focus on this factor."

"Dengan popularitas perangkat mobile dan teknologi baru seperti mobile wallet yang menggantikan kartu kredit dan uang tunai sebagai metode pembayaran utama, penelitian ini mengkaji niat penggunaan dan perilaku penggunaan pengguna mobile wallet di Indonesia melalui model UTAUT yang diperluas. Menggunakan pendekatan kuantitatif dengan SEM PLS, penelitian ini menggabungkan variabel-variabel termasuk mobile self-efficacy, perceived enjoyment, satisfaction, performance expectancy, effort expectancy, social influence, facilitating conditions, behavioral intention, use behavior, dan perceived service quality. Fokus penelitian ini adalah pada pengguna mobile wallet di Indonesia, sehingga temuan mungkin tidak dapat digeneralisasi ke populasi lain. Hasil penelitian menunjukkan bahwa satisfaction, facilitating conditions, dan performance expectancy secara signifikan mempengaruhi niat perilaku untuk menggunakan mobile wallet, yang pada gilirannya secara signifikan mempengaruhi perilaku penggunaan. Selain itu, mobile self-efficacy secara signifikan mempengaruhi perceived enjoyment, yang berdampak pada satisfaction, performance expectancy, dan effort expectancy. Manfaat praktis dapat diperoleh dari data empiris ini, yang dapat digunakan sebagai referensi untuk strategi pemasaran, penetrasi, dan segmentasi di industri mobile wallet. Kerangka kerja yang diperluas ini memungkinkan eksplorasi yang lebih mendalam tentang faktor-faktor yang mempengaruhi adopsi dan perilaku penggunaan mobile wallet, menawarkan wawasan baru tentang bagaimana faktor-faktor yang diperluas ini berinteraksi dalam model UTAUT di kalangan pengguna mobile wallet di Indonesia.

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With the popularity of mobile devices and new technologies, such as mobile wallets, replacing credit cards and cash as the primary payment method, this research examines the intention to use and usage behavior of Indonesian mobile wallet users through the extended UTAUT model. Using a quantitative approach with SEM PLS, the study incorporates variables including mobile self-efficacy, perceived enjoyment, satisfaction, performance expectancy, effort expectancy, social influence, facilitating conditions, behavioral intention, use behavior, and perceived service quality. The focus is on Indonesian mobile wallet users, and findings may not be generalizable to other populations. Results revealed that satisfaction, facilitating conditions, and performance expectancy significantly influence the behavioral intention to use mobile wallets, which in turn significantly affects use behavior. Additionally, mobile self-efficacy significantly influences perceived enjoyment, which impacts satisfaction, performance expectancy, and effort expectancy. Practical benefits can be derived from the empirical data, serving as a reference for marketing, penetration, and segmentation strategies in the mobile wallet industry. This expanded framework allows for a deeper exploration of factors influencing mobile wallet adoption and usage behavior, offering new insights into how these extended factors interact within the UTAUT model among Indonesian mobile wallet users."

"Skripsi ini menganalisis faktor- faktor yang mempengaruhi minat penggunaan mobile wallet sebagai salah satu jenis uang elektronik berbasis server yang diterbitkan Provider Telekomunikasi yaitu T-Cash dari Telkomsel, Dompetku- Indosat serta XL Tunai. Penelitian ini diadaptasi dari teori Technology Acceptance Model (TAM). Penelitian ini bersifat kuantitatif deskriptif dengan menggunakan metode Structural Equation Model (SEM) untuk mengevaluasi pengaruh hipotesis penelitian. Hasil penelitian ini mendapatkan bahwa faktor persepsi manfaat (perceived usefulness), kepercayaan (trust) dan word of mouth merupakan faktor yang dapat mempengaruhi minat penggunaan mobile wallet yang diterbitkan provider telekomunikasi.

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The research analyzes the factors that influence intention to use of mobile wallet as one type of server-based electronic money issued by the Telecommunications Provider namely Telkomsel T-Cash, wallet - Indosat and XL Cash. This study is adapted from the theory of Technology Acceptance Model (TAM). This research is quantitative descriptive and uses Structural Equation Model (SEM) method to evaluate the effect of the research hypothesis. Results of this study found that the perceived usefulness, trust and word of mouth is a factor that can influence the interest of the use of mobile wallet issued by telecommunications providers."

"Fenomena penggunaan dompet elektronik semakin berkembang dengan didukungnya Gerakan Nasional Non Tunai oleh Pemerintah. Skripsi ini membahas salah satu penyelenggara m-wallet yaitu m-wallet OVO dengan batasan studi pada konsumen wanita berusia 17 tahun keatas di area JABODETABEK, skripsi ini membahas bagaimana pengaruh Information Quality dan Self-Efficacy mempengaruhi intention penggunaan kembali m-wallet OVO dengan dimediasi Perceived Ease of Use, Perceived Usefulness dan Attitude. Model penelitian ini diadaptasi berdasarkan Technology Acceptance Model (TAM) dan Information System (IS). Penelitian dilakukan dengan menggunkaan desain penelitian deskriptif dengan metode kuantitatif cross sectional, dan pengambilan sampel metode non-probability sampling dengan menyebarkan kuisioner online ke 412 responden wanita. Teknik analisis data dalam penelitian ini menggunakan metode Structural Equation Model (SEM) dan dalam penelitian ini ditemukan bahwa Perceived Usefulness dan Attitude berpengaruh secara langsung terhadap Intention untuk menggunakan kembali m-wallet OVO.

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The phenomenon of using electronic wallets is growing with the support of the Governments Non-Cash National Movement. This study discusses one of the m-wallet organizers namely m-wallet OVO with the limitation of studies on 17-year-old female consumers and above in the JABODETABEK area, this study discusses how the effects of Information Quality and Self-Efficacy influence the Intention to reuse OVO m-wallet mediated by Perceived Ease of Use, Perceived Usefulness and Attitude. This research model was adapted based on the Technology Acceptance Model (TAM) and Information System (IS). The study was conducted using descriptive research design with a cross sectional quantitative method, and sampling non-probability sampling method by distributing online questionnaires to 412 female respondents. The data analysis technique in this study used the Structural Equation Model (SEM) method and in this study it was found that Perceived Usefulness and Attitude directly affected Intention to reuse OVO m-wallet."

"Penelitian ini membahas mengenai attitude konsumen untuk menggunakan kembali atau intention to reuse M-wallet dengan melihat dari persepsi risiko atau perceived risk yang meliputi perceived financial risk, perceived privacy risk, perceived performance risk, perceived psychological risk, dan perceived time risk saat melakukan transaksi di e-commerce. Pengumpulan data dilakukan melalui survei kepada 437 responden dari masyarakat di wilayah Indonesia dengan usia diatas 17 tahun. Metode penyebaran kuesioner dilakukan secara online menggunakan Google Form, analisis data menggunakan Structural Equation Modelling (SEM) dengan software LISREL 8.80 dan uji mediasi menggunakan SPSS AMOS 22. Hasil penelitian ini menunjukkan bahwa hubungan antara perceived privacy dan attitude terhadap penggunaan m-wallet signifikan dan memiliki hubungan negatif. Sementara, dimensi perceived risk lain seperti (perceived financial risk, perceived performance risk, perceived psychological risk, dan perceived time risk) ditemukan tidak memiliki hubungan signifikan dengan attitude terhadap penggunaan m-wallet. Kemudian, attitude ditemukan memiliki pengaruh signifikan dan positif terhadap intention to reuse m-wallet serta attitude terbukti menjadi full mediator yang menghubungkan antara perceived privacy risk dan intention to reuse.

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This study discusses consumer attitudes toward reusing m-wallets by looking at perceived risk, which includes perceived financial risk, perceived privacy risk, perceived performance risk, perceived psychological risk, and perceived time risk when doing transactions in e-commerce. The data was collected through a survey of 437 respondents from Indonesian society, with an average age of over 17 years. The method of distributing questionnaires online using Google Form, data analysis using Structural Equation Modeling (SEM) with LISREL 8.80 and mediation analysis using SPSS AMOS 22. The results of this study indicate that the relationship between perceived privacy risk and attitude towards using m-wallet is significant and has a negative relationship. Meanwhile, other dimensions of perceived risk, such as perceived financial risk, perceived performance risk, perceived psychological risk, and perceived time risk, were found not to have a significant relationship with attitudes towards using m-wallets. Then, it was discovered that attitude has a significant and positive effect on the intention to reuse m-wallet, and attitude proved to be a full mediator that links perceived privacy risk and the intention to reuse."