Niat Perilaku Generasi Z dan Milenial dalam Menggunakan Fitur Pay Later

Published: Feb 20, 2024

Abstract:

Purpose: The purpose of this research was to understand why Generation Z and Millennials in Indonesia really like using PayLater by applying the Technology Acceptance Model (TAM) theory.

Research Methodology: This research is a quantitative research that applies questionnaires using Google Form to 103 respondents with research subjects were Generation Z (1997 – 2012) and Millennials (1981 – 1996) in Indonesia. Random sampling was used for the sample collection. Data processing and data analysis from this research used SPSS (Statistical Package for the Social Sciences) tools and non-comparative techniques, namely, the Likert scale.

Results: The results show that perceptions of usefulness, ease of use, security, and trust have a positive and significant effect on intention to use.

Limitations: Educational games about natural disasters in Indonesia, including floods, landslides, earthquakes, tsunamis, volcanic eruptions, and tornadoes, including an introduction to natural disasters in Indonesia, the pre-disaster phase, and the emergency response phase.

Contribution: This Research can be a good knowledge of PayLater feature providers (companies), which can provide information about consumer perceptions regarding their intention to use the PayLater feature. This information will be useful for product development. Furthermore, this research can provide valuable knowledge to understand one of the digital business features that is currently very popular, namely, PayLater. Finally, this research is good as a reference for developing or compiling research related to paylater features.

Keywords:
1. Usefulness
2. Ease of Use
3. Security
4. Trust
5. Intention to Use
Authors:
Michelle Suparman
How to Cite
Suparman, M. (2024). Niat Perilaku Generasi Z dan Milenial dalam Menggunakan Fitur Pay Later . Jurnal Bisnis Dan Pemasaran Digital, 3(1), 1–19. https://doi.org/10.35912/jbpd.v3i1.2944

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References

    References

    annur, c. m. (2023). Seberapa Sering Masyarakat Indonesia Gunakan PayLater? Ini Hasil Surveinya.

    Davis, F. D., Bagozzi, R. P., & Warshaw, P. R. (1989). User acceptance of computer technology: A comparison of two theoretical models. Management science, 35(8), 982-1003.

    Denaputri, A., & Usman, O. (2019). Effect of perceived trust, perceived security, perceived usefulness and perceived ease of use on customers’ intention to use mobile payment. Perceived Security, Perceived Usefulness and Perceived Ease of Use on Customers’ Intention to Use Mobile Payment (December 16, 2019).

    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.

    Hamid, M., Sufi, I., Konadi, W., & Akmal, Y. (2019). Analisis jalur dan aplikasi SPSS versi 25.

    Hardani, H., Andriani, H., Ustiawaty, J., Utami, E., Istiqomah, R., Fardani, R., . . . Auliya, N. (2020). Metode Penelitian Kualitatif dan Kuantitatif. CV. Pustaka Ilmu.

    Hengky Wongsoa, R. Pengaruh self-efficacy, perceived usefulness, perceived ease of use, dan perceived risk terhadap intention to use mobile banking Bank Kalbar.

    jayani, d. h. (2021). Proporsi Populasi Generasi Z dan Milenial Terbesar di Indonesia.

    Jimenez, N., San-Martin, S., & Azuela, J. I. (2016). Trust and satisfaction: the keys to client loyalty in mobile commerce. Academia Revista Latinoamericana de Administración, 29(4), 486-510.

    Jogiyanto, H. (2007). Sistem informasi keperilakuan.

    Kumala, D. C., Pranata, J. W., & Thio, S. (2020). Pengaruh perceived usefulness, perceived ease of use, trust, dan security terhadap minat penggunaan gopay pada generasi x di surabaya. Jurnal Manajemen Perhotelan, 6(1), 19-29.

    Leonard, L. N. (2016). Factors of Impact on C2C Mobile Commerce Encyclopedia of E-Commerce Development, Implementation, and Management (pp. 1359-1369): IGI Global.

    Lieny, L. (2021). Pengaruh Persepsi Kemudahan, Kenyamanan Dan Kepercayaan Terhadap Niat Dalam Menggunakan Mobile Banking Di Bca Pangkalpinang. Jurnal Akuntansi Bisnis Dan Keuangan, 8(2), 56-62.

    Ndubisi, N. O. (2007). Relationship marketing and customer loyalty. Marketing intelligence & planning, 25(1), 98-106.

    Nirmawan, H. M., & Astiwardhani, W. (2021). The effect of perceived cost, trust, usefulness, and customer value addition on intention to use of go-pay mobile payment services in small traders. Journal of Business and Management Review, 2(10), 715-732.

    Novi, D. (2003). Faktor–Faktor yang Mempengaruhi Intensi Penggunaan Web Site Perusahaan Go-Public dalam Proses Pengambilan Keputusan Investasi oleh Investor Potensial. Simposium Nasional Akuntansi.

    Purnomo, R. A. (2016). Analisis statistik ekonomi dan bisnis dengan SPSS: CV. Wade Group bekerjasama dengan UNMUH Ponorogo Press.

    Robaniyah, L., & Kurnianingsih, H. (2021). Pengaruh persepsi manfaat, kemudahan penggunaan dan keamanan terhadap minat menggunakan aplikasi ovo. IMAGE: Jurnal Riset Manajemen, 10(1), 53-62.

    Schefter, F. F. R. a. P. (2000). E-Loyalty: Your Secret Weapon on the Web.

    Sijabat, Y. P., Hirawati, H., & Giovanni, A. (2020). Pengaruh Persepsi Kemudahaan Dan Persepsi Manfaat Terhadap Niat Penggunaan Teknologi Keuangan Sebagai Alat Pembayaran. Jurnal Riset Entrepreneurship, 3(1), 46-53.

    Sinaga, O. S., Marpaung, F. K., Dewi, R. S., & Sudirman, A. (2021). Kontribusi perceived usefulness, perceived ease of use dan perceived security terhadap behavioral intention to use aplikasi JAKET. Insight Management Journal, 1(3), 86-94.

    Subagio, H., & Jessica, J. (2020). Pengaruh Perceived Usefulness, Perceived Ease Of Use, Subjective Nor M, Da NC Ust Omer E Xpe Rie N Ce Terh Ad Ap IN Tention TO Use Mytelkomsel (Studi Kasus Pada Mahasiswa Universitas Kristen Petra Surabaya).

    Tsiakis, T., & Sthephanides, G. (2005). The concept of security and trust in electronic payments. Computers & Security, 24(1), 10-15.

    Umaningsih, W. P., & Wardani, D. K. (2020). Pengaruh Persepsi Kemudahan, Fitur Layanan, Dan Keamanan Terhadap Niat Menggunakan E-Money. JAE (JURNAL AKUNTANSI DAN EKONOMI), 5(3), 113-119.

    Venkatesh, V., Morris, M. G., Davis, G. B., & Davis, F. D. (2003). User acceptance of information technology: Toward a unified view. MIS quarterly, 425-478.

    Venkatesh, V., Thong, J. Y., & Xu, X. (2012). Consumer acceptance and use of information technology: extending the unified theory of acceptance and use of technology. MIS quarterly, 157-178.

    Wijayanti, M. W., Suddin, A., & Sutarno, S. (2019). Pengaruh perceived usefulness dan perceived ease of use terhadap behaviour intention to use bri digital banking pada agen brilink pt bank rakyat indonesia tbk kantor cabang magelang. Jurnal Manajemen Sumber Daya Manusia, 13.

    Yogananda, A. S., & Dirgantara, I. (2017). Pengaruh persepsi manfaat, persepsi kemudahan penggunaan, kepercayaan dan persepsi risiko terhadap minat untuk menggunakan instrumen uang elektronik. Fakultas Ekonomika dan Bisnis.

  1. References
  2. annur, c. m. (2023). Seberapa Sering Masyarakat Indonesia Gunakan PayLater? Ini Hasil Surveinya.
  3. Davis, F. D., Bagozzi, R. P., & Warshaw, P. R. (1989). User acceptance of computer technology: A comparison of two theoretical models. Management science, 35(8), 982-1003.
  4. Denaputri, A., & Usman, O. (2019). Effect of perceived trust, perceived security, perceived usefulness and perceived ease of use on customers’ intention to use mobile payment. Perceived Security, Perceived Usefulness and Perceived Ease of Use on Customers’ Intention to Use Mobile Payment (December 16, 2019).
  5. 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.
  6. Hamid, M., Sufi, I., Konadi, W., & Akmal, Y. (2019). Analisis jalur dan aplikasi SPSS versi 25.
  7. Hardani, H., Andriani, H., Ustiawaty, J., Utami, E., Istiqomah, R., Fardani, R., . . . Auliya, N. (2020). Metode Penelitian Kualitatif dan Kuantitatif. CV. Pustaka Ilmu.
  8. Hengky Wongsoa, R. Pengaruh self-efficacy, perceived usefulness, perceived ease of use, dan perceived risk terhadap intention to use mobile banking Bank Kalbar.
  9. jayani, d. h. (2021). Proporsi Populasi Generasi Z dan Milenial Terbesar di Indonesia.
  10. Jimenez, N., San-Martin, S., & Azuela, J. I. (2016). Trust and satisfaction: the keys to client loyalty in mobile commerce. Academia Revista Latinoamericana de Administración, 29(4), 486-510.
  11. Jogiyanto, H. (2007). Sistem informasi keperilakuan.
  12. Kumala, D. C., Pranata, J. W., & Thio, S. (2020). Pengaruh perceived usefulness, perceived ease of use, trust, dan security terhadap minat penggunaan gopay pada generasi x di surabaya. Jurnal Manajemen Perhotelan, 6(1), 19-29.
  13. Leonard, L. N. (2016). Factors of Impact on C2C Mobile Commerce Encyclopedia of E-Commerce Development, Implementation, and Management (pp. 1359-1369): IGI Global.
  14. Lieny, L. (2021). Pengaruh Persepsi Kemudahan, Kenyamanan Dan Kepercayaan Terhadap Niat Dalam Menggunakan Mobile Banking Di Bca Pangkalpinang. Jurnal Akuntansi Bisnis Dan Keuangan, 8(2), 56-62.
  15. Ndubisi, N. O. (2007). Relationship marketing and customer loyalty. Marketing intelligence & planning, 25(1), 98-106.
  16. Nirmawan, H. M., & Astiwardhani, W. (2021). The effect of perceived cost, trust, usefulness, and customer value addition on intention to use of go-pay mobile payment services in small traders. Journal of Business and Management Review, 2(10), 715-732.
  17. Novi, D. (2003). Faktor–Faktor yang Mempengaruhi Intensi Penggunaan Web Site Perusahaan Go-Public dalam Proses Pengambilan Keputusan Investasi oleh Investor Potensial. Simposium Nasional Akuntansi.
  18. Purnomo, R. A. (2016). Analisis statistik ekonomi dan bisnis dengan SPSS: CV. Wade Group bekerjasama dengan UNMUH Ponorogo Press.
  19. Robaniyah, L., & Kurnianingsih, H. (2021). Pengaruh persepsi manfaat, kemudahan penggunaan dan keamanan terhadap minat menggunakan aplikasi ovo. IMAGE: Jurnal Riset Manajemen, 10(1), 53-62.
  20. Schefter, F. F. R. a. P. (2000). E-Loyalty: Your Secret Weapon on the Web.
  21. Sijabat, Y. P., Hirawati, H., & Giovanni, A. (2020). Pengaruh Persepsi Kemudahaan Dan Persepsi Manfaat Terhadap Niat Penggunaan Teknologi Keuangan Sebagai Alat Pembayaran. Jurnal Riset Entrepreneurship, 3(1), 46-53.
  22. Sinaga, O. S., Marpaung, F. K., Dewi, R. S., & Sudirman, A. (2021). Kontribusi perceived usefulness, perceived ease of use dan perceived security terhadap behavioral intention to use aplikasi JAKET. Insight Management Journal, 1(3), 86-94.
  23. Subagio, H., & Jessica, J. (2020). Pengaruh Perceived Usefulness, Perceived Ease Of Use, Subjective Nor M, Da NC Ust Omer E Xpe Rie N Ce Terh Ad Ap IN Tention TO Use Mytelkomsel (Studi Kasus Pada Mahasiswa Universitas Kristen Petra Surabaya).
  24. Tsiakis, T., & Sthephanides, G. (2005). The concept of security and trust in electronic payments. Computers & Security, 24(1), 10-15.
  25. Umaningsih, W. P., & Wardani, D. K. (2020). Pengaruh Persepsi Kemudahan, Fitur Layanan, Dan Keamanan Terhadap Niat Menggunakan E-Money. JAE (JURNAL AKUNTANSI DAN EKONOMI), 5(3), 113-119.
  26. Venkatesh, V., Morris, M. G., Davis, G. B., & Davis, F. D. (2003). User acceptance of information technology: Toward a unified view. MIS quarterly, 425-478.
  27. Venkatesh, V., Thong, J. Y., & Xu, X. (2012). Consumer acceptance and use of information technology: extending the unified theory of acceptance and use of technology. MIS quarterly, 157-178.
  28. Wijayanti, M. W., Suddin, A., & Sutarno, S. (2019). Pengaruh perceived usefulness dan perceived ease of use terhadap behaviour intention to use bri digital banking pada agen brilink pt bank rakyat indonesia tbk kantor cabang magelang. Jurnal Manajemen Sumber Daya Manusia, 13.
  29. Yogananda, A. S., & Dirgantara, I. (2017). Pengaruh persepsi manfaat, persepsi kemudahan penggunaan, kepercayaan dan persepsi risiko terhadap minat untuk menggunakan instrumen uang elektronik. Fakultas Ekonomika dan Bisnis.