Pengaruh Manfaat, Kemudahan, dan Pendapatan terhadap Minat Menggunakan Paylater: Studi Kasus Masyarakat di DKI Jakarta
Abstract:
Purpose: This study examined the influence of perceived usefulness, ease of use, and income on interest in using paylater services.
Research Methodology: The population in this study was the people of DKI Jakarta who know the Shopee Paylater service. The research sample was obtained using a purposive sampling method, with an affordable population calculation obtained 400 samples. The research method used was a quantitative method with multiple regression models. Data were primary data obtained from distributing questionnaires.
Results: The results of the study partially show that perceived usefulness has a positive and significant influence on the interest of using paylater services; perceived ease of use has no positive and significant influence on interest of using paylater services; and income has a positive and significant influence on interest of using paylater services.
Limitations: It is necessary to investigate other variables that can affect interest in using paylater services.
Contribution: E-commerce companies should develop factors that influence consumer interest in using paylater and increase consumer knowledge before using paylater services.
Keywords: Perceived Usefulness, Perceived Ease of Use, Income, Intention of Using Paylater
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Adiyanti, A. I. (2015). PENGARUH PENDAPATAN, MANFAAT, KEMUDAHAN PENGGUNAAN, DAYA TARIK PROMOSI, DAN KEPERCAYAAN TERHADAP MINAT MENGGUNAKAN LAYANAN E-MONEY (Studi Kasus : Mahasiswa Universitas Brawijaya). Jurnal Ilmiah Akuntansi Dan Bisnis, 3(1), 1–13. https://jimfeb.ub.ac.id/index.php/jimfeb/article/view/1590
Akhmad. (2014). Ekonomi Mikro ( Teori dan Aplikasi di Dunia Usaha ). In P. Chistian (Ed.), Teori dan Aplikasi di Dunia Usaha (Issue September 2014). Penerbit ANDI.
Aksami, N. M. D., & Jember, I. M. (2019). Analisis Minat Penggunaan Layanan E-Money pada Masyarakat Kota Denpasar. E-Jurnal EP Unud, 8(9), 2439–2470.
Al Mamun, A., Mohamad, M. R., Yaacob, M. R. Bin, & Mohiuddin, M. (2018). Intention and behavior towards green consumption among low-income households. Journal of Environmental Management, 227(January), 73–86. https://doi.org/10.1016/j.jenvman.2018.08.061
Arjunwadkar, P. Y. (2018). FinTech : The Technology Driving Disruption in the Financial Services Industry. CRC Press.
Arkan. (2021, April 24). Akun Shopee Diambil Alih Penipu, Berujung Penyalahgunaan Limit SPayLater. Mediakonsumen.Com. https://mediakonsumen.com/2021/04/24/surat-pembaca/akun-shopee-diambil-alih-penipu-berujung-penyalahgunaan-limit-spaylater
Arlin. (2020). Akun Shopee Paylater Diretas, Kenapa Pihak Konsumen yang Harus Membayar Tagihan??? Mediakonsumen.Com. https://mediakonsumen.com/2020/09/25/surat-pembaca/akun-shopee-paylater-diretas-kenapa-pihak-konsumen-yang-harus-membayar-tagihan
Ashraf, A. R., & Thongpapanl, N. (Tek). (2016). The Connection and Disconnection between E-commerce Businesses and Their Customers: Exploring the Role of Engagement, Perceived Usefulness, and Perceived Ease-of-use. Electronic Commerce Research and Applications. https://doi.org/10.1016/j.elerap.2016.10.001
Davis, F. D. (1989). Perceived usefulness, perceived ease of use, and user acceptance of information technology. MIS Quarterly: Management Information Systems, 13(3), 319–339. https://doi.org/10.2307/249008
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. https://doi.org/10.1287/mnsc.35.8.982
Dorman, P. (2014). Macroeconomics. Springer.
DSResearch. (2020a). Evolving Landscape of Fintech Lending in Indonesia. 43400.
DSResearch. (2020b). Indonesia Fintech Report 2020. 43400. https://fintechnews.sg/wp-content/uploads/2020/12/Fintech-Indonesia-Report-2020.pdf
Fajar, G. (2020). Akun Shopee dihack untuk Belanja pakai Shopee Paylater. Infoperbankan.Com.
Hansen, J. M., Saridakis, G., & Benson, V. (2018). Risk, trust, and the interaction of perceived ease of use and behavioral control in predicting consumers’ use of social media for transactions. In Computers in Human Behavior (Vol. 80, pp. 197–206). https://doi.org/10.1016/j.chb.2017.11.010
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Iprice. (2020). Map of E-commerce 2020 Year-End Report.
Jeong, J. Y., & Kim, H. C. (2020). Korean mothers’ food choice behavioral intent for children: An examination of the interaction effects of food type, household income, and healthism. Food Quality and Preference, 81, 103835. https://doi.org/10.1016/j.foodqual.2019.103835
Joan, L., & Sitinjak, T. (2019). Pengaruh Persepsi Kebermanfaatan Dan Persepsi Kemudahan Penggunaan Terhadap Minat Penggunaan Layanan Pembayaran Digital Go-Pay. Jurnal Manajemen, 8(2), 27–39.
Jogiyanto, H. M. (2008). Sistem Informasi Keperilakuan (Edisi Revisi). In Andi Offset, Yogyakarta (Ed I). Penerbit ANDI.
Krempel, E., & Beyerer, J. (2014). TAM-VS: A technology acceptance model for video surveillance. Lecture Notes in Computer Science (Including Subseries Lecture Notes in Artificial Intelligence and Lecture Notes in Bioinformatics), 8450 LNCS, 86–100. https://doi.org/10.1007/978-3-319-06749-0_6
Laksana, G., Astuti, E. S., & Dewantara, R. Y. (2015). PENGARUH PERSEPSI KEMANFAATAN, PERSEPSI KEMUDAHAN PENGGUNAAN, PERSEPSI RESIKO DAN PERSEPSI KESESUAIAN TERHADAP MINAT MENGGUNAKAN MOBILE BANKING (Studi Pada Nasabah Bank Rakyat Indonesia (BRI) Kantor Cabang Rembang, Jawa Tengah). Jurnal Administrasi Bisnis S1 Universitas Brawijaya, 26(2), 86309.
LDN. (2020). STATISTIK LENTERA DANA NUSANTARA : Data pada Q4 2020.
Mentari, A. C., & Bendesa, I. K. G. (2018). Analisis faktor-faktor yang mempengaruhi minat dalam menggunakan uang elektronik di Kota Denpasar, Provinsi Bali. E-Jurnal EP Unud, 7(4), 646–676.
Nirmalapurie, N. A. (2020). Perlindungan Hukum Bagi Para Pihak Dalam Penggunaan Fitur PayLater Pada Aplikasi Gojek. Media Iuris, 3(1), 101. https://doi.org/10.20473/mi.v3i1.19161
OJK. (2020). Perkembangan Fintech Lending Desember2020. Desember, 1–11.
Ozturk, A. B., Bilgihan, A., Nusair, K., & Okumus, F. (2016). What keeps the mobile hotel booking users loyal? Investigating the roles of self-efficacy, compatibility, perceived ease of use, and perceived convenience. International Journal of Information Management. https://doi.org/10.1016/j.ijinfomgt.2016.04.005
Padamsari, A. P., & Cynthia, F. (2021, March 23). Penggunaan paylater meningkat di tengah pandemi. Lokadata.Id. https://lokadata.id/artikel/penggunaan-paylater-meningkat-di-tengah-pandemi
Pratama, A. B., & Suputra, I. D. G. D. (2019). Pengaruh Persepsi Manfaat, Persepsi Kemudahan Penggunaan, dan Tingkat Kepercayaan Pada Minat Menggunakan Uang Elektronik. E-Jurnal Akuntansi, 27, 927. https://doi.org/10.24843/eja.2019.v27.i02.p04
Pratika, Y., Wisnu, D., Riyanto, U., & Ambarwati, T. (2021). Analysis of Pay Later Payment System on Online Shopping in Indonesia. Journal of Economics, Business, and Accountancy Ventura, 23(3), 329–339. https://doi.org/10.14414/jebav.v23i3.2343
Priambodo, S., & Prabawani, B. (2016). Pengaruh Persepsi Manfaat, Persepsi Kemudahan Penggunan, Dan Persepsi Risiko Terhadap Minat Menggunakan Layanan Uang Elektronik (Studi Kasus Pada Masyarakat Di Kota Semarang). Jurnal Ilmu Administrasi Bisnis, 5(2), 127–135.
PT Commerce Finance. (2021). https://commerce-finance.com/product.
Putri, A. P. Y., Miru, A., & Maskun. (2020). Praktik Penyalahgunaan Fitur Kredit (Paylater) oleh Pihak Ketiga melalui Aplikasi Belanja Online. Amanna Gappa, 28(2), 101–116.
Rahardyan, A. (2021, February 11). Paylater Kian Populer, 83 Persen Responden Sebut Penolong dari Kebutuhan Mendadak. Finansial.Bisnis.Com. https://finansial.bisnis.com/read/20210211/89/1355178/paylater-kian-populer-83-persen-responden-sebut-penolong-dari-kebutuhan-mendadak
Rakhma, S., & Setiawan, D. (2019, September 27). Sebelum Transaksi Pakai Fitur Pay Later, Simak 5 Risikonya. Kompas.Com. https://money.kompas.com/read/2019/09/27/140050726/sebelum-transaksi-pakai-fitur-pay-later-simak-5-risikonya
Ramkumar, M., Schoenherr, T., Wagner, S. M., & Jenamani, M. (2019). Q-TAM: A quality technology acceptance model for predicting organizational buyers’ continuance intentions for e-procurement services. International Journal of Production Economics, 216(March 2018), 333–348. https://doi.org/10.1016/j.ijpe.2019.06.003
Richard, B., & Irene, H. (2000). The Personal Distribution of Income in an International Perspective (Ed. 1). Springer. https://doi.org/10.1007/978-3-642-57232-6
Rodrigues, L. F., Oliveira, A., & Costa, C. J. (2016). Does ease-of-use contributes to the perception of enjoyment? A case of gamification in e-banking. Computers in Human Behavior, 61, 114–126. https://doi.org/10.1016/j.chb.2016.03.015
Romadloniyah, A. L., & Prayitno, D. H. (2018). Pengaruh Persepsi Kemudahan Penggunaan, Persepsi Daya Guna, Persepsi Kepercayaan, Dan Persepsi Manfaat Terhadap Minat Nasabah Dalam Menggunaan E-Money Pada Bank Bri Lamongan. Jurnal Akuntansi, 3(3), 699. https://doi.org/10.30736/jpensi.v3i3.163
Satryani, D. T. (2017). PENGARUH PENDAPATAN, PENGETAHUAN PRODUK DAN INFRASTRUKTUR TERHADAP MINAT MASYARAKAT DI YOGYAKARTA MENGGUNAKAN UANG ELEKTRONIK (E-MONEY). UNIVERSITAS ISLAM NEGERI SUNAN KALIJAGA YOGYAKARTA.
Sohn, S. (2017). A contextual perspective on consumers’ perceived usefulness: The case of mobile online shopping. Journal of Retailing and Consumer Services, 38(May), 22–33. https://doi.org/10.1016/j.jretconser.2017.05.002
Sukendro, S., Habibi, A., Khaeruddin, K., Indrayana, B., Syahruddin, S., Alfrets, F., & Hakim, H. (2020). Heliyon Using an extended Technology Acceptance Model to understand students ’ use of e-learning during Covid-19 : Indonesian sport science education context. Heliyon, 6(October), e05410. https://doi.org/10.1016/j.heliyon.2020.e05410
Sukirno, S. (2016). Makroekonomi (Teori Pengantar) (Edisi 3). Rajawali Pers.
Taherdoost, H. (2018). A review of technology acceptance and adoption models and theories. Procedia Manufacturing, 22, 960–967. https://doi.org/10.1016/j.promfg.2018.03.137
Taufik, N., & Hanafiah, M. H. (2019). Airport passengers’ adoption behaviour towards self-check-in Kiosk Services: the roles of perceived ease of use, perceived usefulness and need for human interaction. Heliyon, 5(12). https://doi.org/10.1016/j.heliyon.2019.e02960
Uyun, M., & Warsah, I. (2021). Psikologi Pendidikan. In Deepublish (1st ed.). Deepublish.
Vahdat, A., Alizadeh, A., Quach, S., & Hamelin, N. (2020). Would you like to shop via mobile app technology? The technology acceptance model, social factors and purchase intention. Australasian Marketing Journal, xxxx, 1–10. https://doi.org/10.1016/j.ausmj.2020.01.002
Venkatesh, V., & Bala, H. (2008). Technology Acceptance Model 3 and a Research Agenda on Interventions. Decision Sciences, 39(2), 273–315. https://doi.org/http://dx.doi.org/ 10.1111/j.1540-5915.2008.00192.x.
Venkatesh, V., & Davis, F. D. (2000). Theoretical extension of the Technology Acceptance Model: Four longitudinal field studies. Management Science, 46(2), 186–204. https://doi.org/10.1287/mnsc.46.2.186.11926
Wibowo, S. F., Rosmauli, D., & Suhud, U. (2015). Pengaruh Persepsi Manfaat, Persepsi Kemudahan, Fitur Layanan, Dan Kepercayaan Terhadap Minat Menggunakan E-Money Card (Studi Pada Pengguna Jasa Commuterline Di Jakarta). JRMSI - Jurnal Riset Manajemen Sains Indonesia, 6(1), 440–456. https://doi.org/10.21009/jrmsi.006.1.06
Witami, D. A. D., & Suartana, I. W. (2019). Pengaruh Persepsi Kegunaan, Kemudahan Penggunaan dan Risiko Terhadap Minat Mahasiswa Menggunakan Sistem Blockchain. E-Jurnal Akuntansi, 28(2), 1346. https://doi.org/10.24843/eja.2019.v28.i02.p21
Zhang, T., Shen, D., Zheng, S., Liu, Z., Qu, X., & Tao, D. (2020). Predicting unsafe behaviors at nuclear power plants: An integration of Theory of Planned Behavior and Technology Acceptance Model. International Journal of Industrial Ergonomics, 80(October), 103047. https://doi.org/10.1016/j.ergon.2020.103047
- Adiyanti, A. I. (2015). PENGARUH PENDAPATAN, MANFAAT, KEMUDAHAN PENGGUNAAN, DAYA TARIK PROMOSI, DAN KEPERCAYAAN TERHADAP MINAT MENGGUNAKAN LAYANAN E-MONEY (Studi Kasus?: Mahasiswa Universitas Brawijaya). Jurnal Ilmiah Akuntansi Dan Bisnis, 3(1), 1–13. https://jimfeb.ub.ac.id/index.php/jimfeb/article/view/1590
- Akhmad. (2014). Ekonomi Mikro ( Teori dan Aplikasi di Dunia Usaha ). In P. Chistian (Ed.), Teori dan Aplikasi di Dunia Usaha (Issue September 2014). Penerbit ANDI.
- Aksami, N. M. D., & Jember, I. M. (2019). Analisis Minat Penggunaan Layanan E-Money pada Masyarakat Kota Denpasar. E-Jurnal EP Unud, 8(9), 2439–2470.
- Al Mamun, A., Mohamad, M. R., Yaacob, M. R. Bin, & Mohiuddin, M. (2018). Intention and behavior towards green consumption among low-income households. Journal of Environmental Management, 227(January), 73–86. https://doi.org/10.1016/j.jenvman.2018.08.061
- Arjunwadkar, P. Y. (2018). FinTech?: The Technology Driving Disruption in the Financial Services Industry. CRC Press.
- Arkan. (2021, April 24). Akun Shopee Diambil Alih Penipu, Berujung Penyalahgunaan Limit SPayLater. Mediakonsumen.Com. https://mediakonsumen.com/2021/04/24/surat-pembaca/akun-shopee-diambil-alih-penipu-berujung-penyalahgunaan-limit-spaylater
- Arlin. (2020). Akun Shopee Paylater Diretas, Kenapa Pihak Konsumen yang Harus Membayar Tagihan??? Mediakonsumen.Com. https://mediakonsumen.com/2020/09/25/surat-pembaca/akun-shopee-paylater-diretas-kenapa-pihak-konsumen-yang-harus-membayar-tagihan
- Ashraf, A. R., & Thongpapanl, N. (Tek). (2016). The Connection and Disconnection between E-commerce Businesses and Their Customers: Exploring the Role of Engagement, Perceived Usefulness, and Perceived Ease-of-use. Electronic Commerce Research and Applications. https://doi.org/10.1016/j.elerap.2016.10.001
- Davis, F. D. (1989). Perceived usefulness, perceived ease of use, and user acceptance of information technology. MIS Quarterly: Management Information Systems, 13(3), 319–339. https://doi.org/10.2307/249008
- 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. https://doi.org/10.1287/mnsc.35.8.982
- Dorman, P. (2014). Macroeconomics. Springer.
- DSResearch. (2020a). Evolving Landscape of Fintech Lending in Indonesia. 43400.
- DSResearch. (2020b). Indonesia Fintech Report 2020. 43400. https://fintechnews.sg/wp-content/uploads/2020/12/Fintech-Indonesia-Report-2020.pdf
- Fajar, G. (2020). Akun Shopee dihack untuk Belanja pakai Shopee Paylater. Infoperbankan.Com.
- Hansen, J. M., Saridakis, G., & Benson, V. (2018). Risk, trust, and the interaction of perceived ease of use and behavioral control in predicting consumers’ use of social media for transactions. In Computers in Human Behavior (Vol. 80, pp. 197–206). https://doi.org/10.1016/j.chb.2017.11.010
- Hidayat, M. W. (2021, February 11). Riset: Layanan PayLater Bantu Konsumen Kelola Pengeluaran dan Arus Kas Lebih Baik. Liputan6.Com. https://www.liputan6.com/tekno/read/4480550/riset-layanan-paylater-bantu-konsumen-kelola-pengeluaran-dan-arus-kas-lebih-baik
- Iprice. (2020). Map of E-commerce 2020 Year-End Report.
- Jeong, J. Y., & Kim, H. C. (2020). Korean mothers’ food choice behavioral intent for children: An examination of the interaction effects of food type, household income, and healthism. Food Quality and Preference, 81, 103835. https://doi.org/10.1016/j.foodqual.2019.103835
- Joan, L., & Sitinjak, T. (2019). Pengaruh Persepsi Kebermanfaatan Dan Persepsi Kemudahan Penggunaan Terhadap Minat Penggunaan Layanan Pembayaran Digital Go-Pay. Jurnal Manajemen, 8(2), 27–39.
- Jogiyanto, H. M. (2008). Sistem Informasi Keperilakuan (Edisi Revisi). In Andi Offset, Yogyakarta (Ed I). Penerbit ANDI.
- Krempel, E., & Beyerer, J. (2014). TAM-VS: A technology acceptance model for video surveillance. Lecture Notes in Computer Science (Including Subseries Lecture Notes in Artificial Intelligence and Lecture Notes in Bioinformatics), 8450 LNCS, 86–100. https://doi.org/10.1007/978-3-319-06749-0_6
- Laksana, G., Astuti, E. S., & Dewantara, R. Y. (2015). PENGARUH PERSEPSI KEMANFAATAN, PERSEPSI KEMUDAHAN PENGGUNAAN, PERSEPSI RESIKO DAN PERSEPSI KESESUAIAN TERHADAP MINAT MENGGUNAKAN MOBILE BANKING (Studi Pada Nasabah Bank Rakyat Indonesia (BRI) Kantor Cabang Rembang, Jawa Tengah). Jurnal Administrasi Bisnis S1 Universitas Brawijaya, 26(2), 86309.
- LDN. (2020). STATISTIK LENTERA DANA NUSANTARA?: Data pada Q4 2020.
- Mentari, A. C., & Bendesa, I. K. G. (2018). Analisis faktor-faktor yang mempengaruhi minat dalam menggunakan uang elektronik di Kota Denpasar, Provinsi Bali. E-Jurnal EP Unud, 7(4), 646–676.
- Nirmalapurie, N. A. (2020). Perlindungan Hukum Bagi Para Pihak Dalam Penggunaan Fitur PayLater Pada Aplikasi Gojek. Media Iuris, 3(1), 101. https://doi.org/10.20473/mi.v3i1.19161
- OJK. (2020). Perkembangan Fintech Lending Desember2020. Desember, 1–11.
- Ozturk, A. B., Bilgihan, A., Nusair, K., & Okumus, F. (2016). What keeps the mobile hotel booking users loyal? Investigating the roles of self-efficacy, compatibility, perceived ease of use, and perceived convenience. International Journal of Information Management. https://doi.org/10.1016/j.ijinfomgt.2016.04.005
- Padamsari, A. P., & Cynthia, F. (2021, March 23). Penggunaan paylater meningkat di tengah pandemi. Lokadata.Id. https://lokadata.id/artikel/penggunaan-paylater-meningkat-di-tengah-pandemi
- Pratama, A. B., & Suputra, I. D. G. D. (2019). Pengaruh Persepsi Manfaat, Persepsi Kemudahan Penggunaan, dan Tingkat Kepercayaan Pada Minat Menggunakan Uang Elektronik. E-Jurnal Akuntansi, 27, 927. https://doi.org/10.24843/eja.2019.v27.i02.p04
- Pratika, Y., Wisnu, D., Riyanto, U., & Ambarwati, T. (2021). Analysis of Pay Later Payment System on Online Shopping in Indonesia. Journal of Economics, Business, and Accountancy Ventura, 23(3), 329–339. https://doi.org/10.14414/jebav.v23i3.2343
- Priambodo, S., & Prabawani, B. (2016). Pengaruh Persepsi Manfaat, Persepsi Kemudahan Penggunan, Dan Persepsi Risiko Terhadap Minat Menggunakan Layanan Uang Elektronik (Studi Kasus Pada Masyarakat Di Kota Semarang). Jurnal Ilmu Administrasi Bisnis, 5(2), 127–135.
- PT Commerce Finance. (2021). https://commerce-finance.com/product.
- Putri, A. P. Y., Miru, A., & Maskun. (2020). Praktik Penyalahgunaan Fitur Kredit (Paylater) oleh Pihak Ketiga melalui Aplikasi Belanja Online. Amanna Gappa, 28(2), 101–116.
- Rahardyan, A. (2021, February 11). Paylater Kian Populer, 83 Persen Responden Sebut Penolong dari Kebutuhan Mendadak. Finansial.Bisnis.Com. https://finansial.bisnis.com/read/20210211/89/1355178/paylater-kian-populer-83-persen-responden-sebut-penolong-dari-kebutuhan-mendadak
- Rakhma, S., & Setiawan, D. (2019, September 27). Sebelum Transaksi Pakai Fitur Pay Later, Simak 5 Risikonya. Kompas.Com. https://money.kompas.com/read/2019/09/27/140050726/sebelum-transaksi-pakai-fitur-pay-later-simak-5-risikonya
- Ramkumar, M., Schoenherr, T., Wagner, S. M., & Jenamani, M. (2019). Q-TAM: A quality technology acceptance model for predicting organizational buyers’ continuance intentions for e-procurement services. International Journal of Production Economics, 216(March 2018), 333–348. https://doi.org/10.1016/j.ijpe.2019.06.003
- Richard, B., & Irene, H. (2000). The Personal Distribution of Income in an International Perspective (Ed. 1). Springer. https://doi.org/10.1007/978-3-642-57232-6
- Rodrigues, L. F., Oliveira, A., & Costa, C. J. (2016). Does ease-of-use contributes to the perception of enjoyment? A case of gamification in e-banking. Computers in Human Behavior, 61, 114–126. https://doi.org/10.1016/j.chb.2016.03.015
- Romadloniyah, A. L., & Prayitno, D. H. (2018). Pengaruh Persepsi Kemudahan Penggunaan, Persepsi Daya Guna, Persepsi Kepercayaan, Dan Persepsi Manfaat Terhadap Minat Nasabah Dalam Menggunaan E-Money Pada Bank Bri Lamongan. Jurnal Akuntansi, 3(3), 699. https://doi.org/10.30736/jpensi.v3i3.163
- Satryani, D. T. (2017). PENGARUH PENDAPATAN, PENGETAHUAN PRODUK DAN INFRASTRUKTUR TERHADAP MINAT MASYARAKAT DI YOGYAKARTA MENGGUNAKAN UANG ELEKTRONIK (E-MONEY). UNIVERSITAS ISLAM NEGERI SUNAN KALIJAGA YOGYAKARTA.
- Sohn, S. (2017). A contextual perspective on consumers’ perceived usefulness: The case of mobile online shopping. Journal of Retailing and Consumer Services, 38(May), 22–33. https://doi.org/10.1016/j.jretconser.2017.05.002
- Sukendro, S., Habibi, A., Khaeruddin, K., Indrayana, B., Syahruddin, S., Alfrets, F., & Hakim, H. (2020). Heliyon Using an extended Technology Acceptance Model to understand students ’ use of e-learning during Covid-19?: Indonesian sport science education context. Heliyon, 6(October), e05410. https://doi.org/10.1016/j.heliyon.2020.e05410
- Sukirno, S. (2016). Makroekonomi (Teori Pengantar) (Edisi 3). Rajawali Pers.
- Taherdoost, H. (2018). A review of technology acceptance and adoption models and theories. Procedia Manufacturing, 22, 960–967. https://doi.org/10.1016/j.promfg.2018.03.137
- Taufik, N., & Hanafiah, M. H. (2019). Airport passengers’ adoption behaviour towards self-check-in Kiosk Services: the roles of perceived ease of use, perceived usefulness and need for human interaction. Heliyon, 5(12). https://doi.org/10.1016/j.heliyon.2019.e02960
- Uyun, M., & Warsah, I. (2021). Psikologi Pendidikan. In Deepublish (1st ed.). Deepublish.
- Vahdat, A., Alizadeh, A., Quach, S., & Hamelin, N. (2020). Would you like to shop via mobile app technology? The technology acceptance model, social factors and purchase intention. Australasian Marketing Journal, xxxx, 1–10. https://doi.org/10.1016/j.ausmj.2020.01.002
- Venkatesh, V., & Bala, H. (2008). Technology Acceptance Model 3 and a Research Agenda on Interventions. Decision Sciences, 39(2), 273–315. https://doi.org/http://dx.doi.org/ 10.1111/j.1540-5915.2008.00192.x.
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