Analisis faktor-faktor yang mempengaruhi behavioral intention dan innovation resistance yang pada akhirnya mempengaruhi actual usage pada pengguna aplikasi ovo di Surabaya
Abstract
Kemajuan teknologi dan informasi yang pesat telah merubah hampir sebagian gaya hidup dari masyarakat di dunia, dimana hampir seluruh aspek kehidupan dipengaruhi oleh teknologi. Bahkan, belakangan ini perkembangan teknologi dan informasi telah mendorong perkembangan dari alat pembayaran menjadi e-money. Indonesia juga menjadi salah satu negara yang mendukung perkembangan e-money, dan kini perkembangan e-money di Indonesia sendiri bisa dikatakan berkembang pesat. Hal ini tentunya menyebabkan banyak aplikasi yang menyediakan layanan pembayaran digital salah satunya yaitu OVO. Penelitian ini merupakan penelitian kausal dengan metode kuantitatif dan diolah dengan bantuan program statistik yaitu SPSS versi 22.0. Pengumpulan data dilakukan dengan penyebaran kuesioner menggunakan teknik snowball sampling kepada 287 responden. Tujuan dari penelitian ini adalah untuk mengetahui pengaruh dari performance expectancy, effort expectancy, social influence, facilitating condition, hedonic motivation, habit, usage barrier, value barrier, risk barrier, traditional barrier, dan image barrier terhadap actual usage melalui behavioral intention dan innovation resistance. Manfaat dari penelitian ini adalah untuk menjadi bahan masukan dalam mengetahui faktor apa saja yang mempengaruhi Actual Usage. Dari hasil penelitian menunjukkan bahwa variabel yang berpengaruh signifikan terhadap actual usage adalah behavioral intention dan innovation resistance. Kemudian variabel yang berpengaruh signifikan terhadap behavioral intention adalah habit dan social influence, sedangkan variabel yang tidak signifikan terhadap behavioral intention adalah performance expectancy, facilitating condition, hedonic motivation, dan effort expectancy. Kemudian variabel yang berpengaruh signifikan terhadap innovation resistance adalah image barrier, risk barrier, dan usage barrier, sedangkan yang tidak berpengaruh signifikan terhadap innovation resistance adalah traditional barrier dan value barrier. / Rapid advances in technology and information have changed almost all the lifestyles of people in the world, where almost all aspects of life are influenced by technology. In fact, recent developments in technology and information have encouraged the development of payment instruments into e-money. Indonesia is also one of the countries that supports the development of e-money, and now the development of e-money in Indonesia itself can be said to be growing rapidly. This of course causes many applications that provide digital payment services, one of which is OVO. This research is a causal research with quantitative methods and processed with the help of a statistical program, namely SPSS version 22.0. Data was collected by distributing questionnaires using snowball sampling technique to 287 respondents. The purpose of this study was to determine the effect of performance expectancy, effort expectancy, social influence, facilitating condition, hedonic motivation, habit, usage barrier, value barrier, risk barrier, traditional barrier, and image barrier on actual usage through behavioral intention and innovation resistance. The benefit of this research is to be an input in knowing what factors affect Actual Usage. The results of the study indicate that the variables that have a significant effect on actual usage are behavioral intention and innovation resistance. Then the variables that have a significant effect on behavioral intention are habit and social influence, while variables that are not significant on behavioral intention are performance expectancy, facilitating conditions, hedonic motivation, and effort expectancy. Then the variables that have a significant effect on innovation resistance are image barriers, risk barriers, and usage barriers, while those that have no significant effect on innovation resistance are traditional barriers and value barriers
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