Pengaruh Persepsi Kemudahan, Persepsi Keamanan Dan Inovasi Fitur Terhadap Intensitas Penggunaan Fintech Payment Dengan Behavior Intention Sebagai Variabel Intervening (Studi Kasus Generasi Z Pengguna LinkAja Syariah di Indonesia)

Silvia Nathania Mufidah, Harun Alrasyid, Abdullah Syakur Novianto

Abstract


This study aims to determine how perceived convenience, security and feature innovation are factors in increasing the intensity of use of fintech payment services, especially LinkAja Syariah mediated by behavior intention using TAM theory. This research is focused on generation Z users of the LinkAja Syariah platform in Indonesia. This type of research uses a quantitative approach with the Partial Least Square - Structural Equation Modeling (SEM-PLS) analysis method which tests 205 samples from the population. The results of this study state that directly perceived convenience and security have no effect on the intensity of use of fintech payment, but feature innovation has a positive influence on the intensity of use of fintech payment. Then there are results that perceived convenience has no effect on behavior intention, while perceived security and feature innovation actually have a positive and significant effect on behavior intention. The results of indirect hypothesis testing state that perceived convenience has no effect on usage intention through behavior intention, but perceived security has a significant effect on usage intensity through behavior intention.

Keyword: Perceived Ease of Use, Perceived Security, Feature Innovation, Behavior Intention, Fintech Payment, LinkAja Syariah, TAM


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