PENGARUH PERSEPSI KEAMANAN, PERSEPSI KEMUDAHAN, DAN PERSEPSI KEMAMPUAN FINANSIAL TERHADAP MINAT PENGGUNAAN PEMBAYARAN ELEKTRONIK (Studi Pada: Mahasiswa Pengguna ShopeePay di Universitas Muhammadiyah Malang)

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ABSTRAK

Industri keuangan telah berubah karena kemajuan teknologi yang didukung oleh revolusi internet, sehingga menghasilkan transformasi dalam layanan keuangan elektronik.  Transformasi sistem pembayaran elektronik mengakibatkan maraknya inovasi berbentuk fitur pembayaran elektronik melalui smartphone, salah satunya ShopeePay milik PT. Shopee Internasional Indonesia. Beberapa kasus ShopeePay menunjukkan bahwa dari masih adanya masalah keamanan dan kemudahan ShopeePay, serta kemampuan finansial pengguna dalam mengisi saldo yang mengharuskan pihak ShopeePay untuk terus meningkatkan pembayaran elektroniknya. Tujuan penelitian ini guna mengetahui minat mahasiswa Universitas Muhammadiyah Malang dalam menggunakan pembayaran elektronik ShopeePay baik secara parsial dan simultan dengan melihat dari persepsi keamanan, kemudahan, dan kemampuan finansial ketika menggunakan ShopeePay. Penelitian ini menggunakan metode kuantitatif. Responden yang ditentukan sejumlah 100 responden pada mahasiswa pengguna ShopeePay di Universitas Muhammadiyah Malang dengan teknik purposive sampling.  Analisis data dilaksanakan dengan memakai uji intrumen, uji asumsi klasik, analisis regresi berganda, uji hipotesis, koefisien determinasi, dan uji dominan dengan bantuan program statistik IBM SPSS 24. Hasil  penelitian ini, persepsi keamanan (X1), persepsi kemudahan (X2), dan persepsi kemampuan finansial (X3) berpengaruh signifikan baik secara parsial maupun simultan terhadap minat penggunaan pembayaran elektronik ShopeePay pada mahasiswa di Universitas Muhammadiyah Malang. Diantara ketiga variabel bebas, variabel persepsi kemampuan finansial (X3)  merupakan variabel dominan dalam penelitian ini.

Kata Kunci:      Persepsi Keamanan, Persepsi Kemudahan, Persepsi Kemampuan Finansial, Penggunaan Pembayaran Elektronik

ABSTRACT

The financial industry has changed due to technological advances supported by the internet revolution, resulting in a transformation in electronic financial services. The transformation of the electronic payment system has resulted in the rise of innovations in the form of electronic payment features via smartphones, one of which is ShopeePay owned by PT. Shopee International Indonesia. Several cases of ShopeePay show that there are still problems with ShopeePay's security and convenience, as well as the financial ability of users to fill in balances that require ShopeePay to continue to increase its electronic payments. The purpose of this study was to determine the interest of University of Muhammadiyah Malang students in using ShopeePay electronic payments both partially and simultaneously by looking at the perceptions of security, convenience, and financial capabilities when using ShopeePay. This research uses quantitative methods. Respondents were determined to be 100 respondents to ShopeePay user students at the University of Muhammadiyah Malang with a purposive sampling technique. Data analysis was carried out using instrument tests, classical assumption tests, multiple regression analysis, hypothesis testing, coefficient of determination, and dominance tests with the help of the IBM SPSS 24 statistical program. The results of this study were perceived security (X1), perceived ease of use (X2), and perceptions of financial ability (X3) have a significant effect both partially and simultaneously on the interest in using ShopeePay electronic payments for students at the University of Muhammadiyah Malang. Among the three independent variables, the variable perceived financial ability (X3) is the dominant variable in this study.

Keywords: Perceived Security, Perceived Convenience, Perceived Financial Ability, Use of Electronic Payments