Published: 2023-02-07
The Analysis of Use of Paytren Payment System in Increasing Consumer Behavioral Intention
DOI: 10.35870/jemsi.v9i1.926
Idris Saleh, Fahrina Mustafa, Mohamad Trio Febriyantoro, Imman Yusuf Sitinjak, Amat Suroso
- Idris Saleh: Universitas Islam Negeri Syekh Ali Hasan Ahmad Addary
-
Fahrina Mustafa:
Hasanuddin University
- Mohamad Trio Febriyantoro: Universitas Pembangunan Jaya
-
Imman Yusuf Sitinjak:
Universitas Simalungun
- Amat Suroso: STMIK Bani Saleh
Abstract
The purpose of this study was to analyze the effect of Perceived Usefulness on Behavioral Intention, to analyze the effect of Perceived Ease of Use on Behavioral Intention and to analyze the effect of Perceived Usefulness and Perceived Ease of Use together on Behavioral Intention. The scope of this study focuses on perceived usefulness, perceived ease of use, as independent variables, and behavioral intention as the dependent variable. Henceforth, these variables will be analyzed to what extent these variables affect the process stage of consumer behavioral intention (the dependent variable) in PayTren application users. This research was conducted on 100 Paytren application users in the Greater Jakarta area. This research was conducted by providing questionnaires in the form of online questionnaires using Google Doc media and data collection was carried out over a period of two months from March to May 2022. Based on the research that has been done and the results obtained, the conclusions that can be drawn in research regarding the analysis of the use of the PayTren payment system in fostering consumer behavioral intention, it can be concluded as follows, the variable perceived usefulness has a partially significant effect on behavioral intention. The perceived ease of use variable has a partially significant effect on behavioral intention. The variable perceived usefulness, perceived ease of use simultaneously has a significant influence simultaneously on behavioral intention.
Keywords
perceived usefulness; perceived ease to use; behavioral intention; paytren
Article Information
This article has been peer-reviewed and published in the JEMSI (Jurnal Ekonomi, Manajemen, dan Akuntansi). The content is available under the terms of the Creative Commons Attribution 4.0 International License.
-
Issue: Vol. 9 No. 1 (2023)
-
Section: Articles
-
Published: 2023-02-07
-
License: CC BY 4.0
-
Copyright: © 2023 Authors
-
DOI: 10.35870/jemsi.v9i1.926
AI Research Hub
This article is indexed and available through various AI-powered research tools and citation platforms. Our AI Research Hub ensures that scholarly work is discoverable, accessible, and easily integrated into the global research ecosystem.
No author biographies available.
-
Arner, D.W. (2015). The Evolution of FinTech: A New Post-Crisis Paradigm ?. The University of Hong Kong.
-
Barnes, J. G. (2003). Secrets Of Customer Relationship Management, Yogyakarta: Andi.
-
Basuki, F. H. (2018). SWOT Analysis of Financial Technology in the Banking World in Ambon City (Survey of Banks in Ambon City). Jurnal Manis, 2(1).
-
DailySocial id. (2016). Indonesia Fintech Report 2016. Research Company.
-
Dorflitner, G. Hurnuf, L., & Warshaw, P. R. (2009). User Acceptance of Computer Technology - a Comparation of Two Theoretical-Models. Management Science, 35(8), 982-1003.
-
Fatmawati, E. (2015). Technology Acceptance Model (TAM) to Analyze Acceptance of Library Information Systems. Jurnal Iqra', (9)1.
-
Ghozali, I. (2013). Multivariate Analysis Application with IBM SPSS 23 Program. Semarang: BP Universitas Diponegoro.
-
Harefa, A. A. (2018). Financial Technology, Banking Regulation and Adaptation in Indonesia. Fundamental Management Journal, 3(1).
-
Jogiyanto. (2008). Behavioral Information System. Yogyakarta: Andi Offset
-
Leng, Song Yee (2010). Financial Technology: A Note on Mobile Payment. Jurnal Keuangan dan Perbankan Universitas Merdeka Malang, 22(1): 51-62.
-
Lubis, A. (2014). Evaluation of the Acceptance Level of Information Systems for Electronic Procurement Services by Entrepreneurs Using the Technology Acceptance Model (TAM) Method (Case Study of Rokan Hulu). Jurnal Ilmiah Cano Ekonomos, 3(2).
-
Mayer, R. C., Davis, J. H., & Schoorman, F. D. (1995). An Integratif Model of Organizational Trust. Academy of Management Review, 30(3), 709-734.
-
Monalisa, S., & Setia, D. P. (2016). Acceptance Analysis of Routine Statistical Data Processing Information Systems (SISR) Using the Technology Acceptance Model Method (Case Study: BKKBN Riau Province). Jurnal Rekayasa dan Manajemen Sistem Informasi, 2(1).
-
Mufli, M. (2017). Design and Build a Crowdfunding-Based Islamic Financial Technology Business Model for Financing Micro Enterprises in the Agricultural Sector. Jurnal Nisbah, 3(1).
-
Riduwan & Kuncoro, E. A. (2014). How to Use and Interpret Path Analysis. Bandung: Alfabeta.
-
Sugiyono. (2013). Quantitative Research Methods, Qualitative and R&D. Bandung: Alfabeta.
-
Teja, A. (2017). Indonesian Fintech Business: New Innovations or Foster and Collaborate in Business Ecosystems?. The Asian Journal of Technology Management, 10(1).
-
Todorof, M. (2018). Shariah-Compliant FinTech in the Banking Industry. Germany: Springer.
Authors who publish with this journal agree to the following terms:
1. Copyright Retention and Open Access License
Authors retain copyright of their work and grant the journal non-exclusive right of first publication under the Creative Commons Attribution 4.0 International License (CC BY 4.0).
This license allows unrestricted use, distribution, and reproduction in any medium, provided the original work is properly cited.
2. Rights Granted Under CC BY 4.0
Under this license, readers are free to:
- Share — copy and redistribute the material in any medium or format
- Adapt — remix, transform, and build upon the material for any purpose, including commercial use
- No additional restrictions — the licensor cannot revoke these freedoms as long as license terms are followed
3. Attribution Requirements
All uses must include:
- Proper citation of the original work
- Link to the Creative Commons license
- Indication if changes were made to the original work
- No suggestion that the licensor endorses the user or their use
4. Additional Distribution Rights
Authors may:
- Deposit the published version in institutional repositories
- Share through academic social networks
- Include in books, monographs, or other publications
- Post on personal or institutional websites
Requirement: All additional distributions must maintain the CC BY 4.0 license and proper attribution.
5. Self-Archiving and Pre-Print Sharing
Authors are encouraged to:
- Share pre-prints and post-prints online
- Deposit in subject-specific repositories (e.g., arXiv, bioRxiv)
- Engage in scholarly communication throughout the publication process
6. Open Access Commitment
This journal provides immediate open access to all content, supporting the global exchange of knowledge without financial, legal, or technical barriers.