Adopsi Pembayaran Digital bagi Generasi Z: Peran Usefulness, Ease of Use, Risk dan Trust
DOI:
https://doi.org/10.38035/jafm.v6i6.2955Keywords:
Pembayaran Digital, Persepsi Kegunaan, Persepsi Kemudahan Penggunaan, Persepsi Risiko, Persepsi Kepercayaan, Niat Menggunakan Berkelanjutan, Generasi ZAbstract
Kajian ini memiliki tujuan untuk meninjau kembali Model Penerimaan Teknologi dengan memasukkan risiko dan kepercayaan yang dirasakan dalam menjelaskan niat berkelanjutan terhadap penggunaan pembayaran digital di kalangan Generasi Z di kota Purwokerto. Kajian ini menerapkan pendekatan kuantitatif dengan menghimpun data melalui kuesioner yang diberikan kepada mahasiswa pengguna Shopeepay, sebagai dompet elektronik paling dominan di kalangan pengguna Generasi Z di Kota Purwokerto, dengan total sampel sebanyak 114 responden. Metode analisis yang diterapkan ialah Structural Equation Modeling–Partial Least Squares (SEM-PLS) yang digunakan untuk menguji hubungan prediktif antar konstruk. Perolehan studi ini mengindikasikan bahwasanya Ease of Use serta Trust berdampak positif pada Intention to Use, yang menunjukkan bahwa kedua variabel tersebut memiliki peran penting dalam membentuk niat perilaku pengguna. Temuan ini memperkuat penerapan Technology Acceptance Model dengan menegaskan relevansi kemudahan penggunaan serta memperluas pemahamannya melalui peran kepercayaan dalam adopsi layanan pembayaran digital. Temuan ini mengindikasikan bahwa niat penggunaan berulang pembayaran digital pada Generasi Z lebih terpengaruhi oleh kemudahan penggunaan serta tingkat kepercayaan terhadap sistem dibandingkan dengan persepsi manfaat dan risiko yang dirasakan. Penelitian ini memberikan implikasi bahwa penyedia layanan digital payment perlu memprioritaskan peningkatan kemudahan sistem dan kepercayaan pengguna guna mendorong niat penggunaan secara berkelanjutan.
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