Faktor-Faktor Yang Mempengaruhi Behavior Intention Terhadap Penggunaan Digital Payment : Systematic Literature Review
Keywords:
Behavioral intention, Performance Expectancy, Effort Expectancy, Social Influence, Facilitating Condition, Digital Payments
Abstract
The increasing technological advances in the era of the Industrial Revolution 4.0 have led to a transfiguration of customer attitudes towards the use of digital technology and almost every aspect of life has been digitized, including non-cash payments or commonly referred to as digital payments. This research intends to identify and analyze the influence of the UTAUT model on Behavior Intention when using digital payments. This research uses a systematic literature review technique or a review of previous research for the 4 main aspects of the UTAUT model, namely FE, EE, SI, and FC, to determine whether it affects the behavior of using digital payments. In this study, using secondary data from article journeys starting from 2019-2023 from Publish or Perish. The results showed that Performance Expectancy (FE), Effort Expectancy (EE), Social Influence (SI), and Facilitating Conditions (FC) affect behavioral intentions when using digital payments. The results of the study are expected to be a reference and source of information regarding factors that can influence Behavior Intention when using digital payments.
References
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Auliya, P. N., & Arransyah, M. F. (2023). Penerapan Model UTAUT untuk Mengetahui Minat Perilaku Konsumen dalam Penggunaan QRIS. Ekonomi, Keuangan, Investasi Dan Syariah (EKUITAS), 4(3), 885–892. https://doi.org/10.47065/EKUITAS.V4I3.2808
Esawe, A. T. (2022). Exploring Retailers’ Behavioural Intentions Towards Using M-payment: Extending UTAUT with Perceived Risk and Trust. Https://Doi.Org/10.1177/09718907221091717, 26(1), 8–28. https://doi.org/10.1177/09718907221091717
Fadila, W., & Herlina, M. (2023). Penerapan Metode Generalized Structure Component Analysis pada Pengguna Dompet Digital Menggunakan Model UTAUT 2. Jurnal Riset Statistika, 27–34. https://doi.org/10.29313/JRS.V3I1.1772
Glady J, & Rantung R. (2020). View of ANALISIS DETERMINAN NIAT MENGGUNAKAN E-MONEY DI KALANGAN MILLENNIALS DENGAN PENDEKATAN UTAUT. Klabat Journal of Management, . https://ejournal.unklab.ac.id/index.php/kjm/article/view/451/449
Handayani, P. W. (n.d.). Systematic Review dengan PRISMA (Preferred Reporting Items for Systematic Reviews and Meta-analyses).
Andrianti, A. (2020). FAKTOR YANG MEMENGARUHI BEHAVIOR INTENTION UNTUK PENGGUNAAN APLIKASI DOMPET DIGITAL MENGGUNAKAN MODEL UTAUT2. Jurnal Ilmiah Ekonomi Bisnis, 111-122.
Anugrah, M., & Ompusunggu, H. (2021). ANALISIS FAKTOR YANG MEMENGARUHI NIAT PENGGUNAAN E-MONEY MELALUI APLIKASI PEMBAYARAN BERBASIS DIGITAL MENGGUNAKAN MODEL UTAUT. Jurnal Ilmiah Ekonomi dan Bisnis, 47-56.
Arianita, A., Alfansi, L., & Anggarawati, S. (2023). ANALYSIS FACTOR AFFECTING THE USE OF DIGITAL PAYMENT WITH THE EXTENDED UTAUT MODEL. The Manager Review, 17(1), 91-108.
Ayem, S., Cahyaning, E. K., Sari, P. R., Sogen, A. H. A., Puspita, A., & Priambodo, D. (2023). Faktor-Faktor yang Mempengaruhi Terjadinya Financial Distress:. Reslaj : Religion Education Social Laa Roiba Journal, 5(6), 3057-3076. https://doi.org/10.47467/reslaj.v5i6.2971
Esawe, A. (2022). Exploring Retailers’ Behavioural Intentions Towards Using M-payment: Extending UTAUT with Perceived Risk and Trust. Sage Journals, 26(1), 8-28. https://journals.sagepub.com/doi/10.1177/09718907221091717
Fadila, W., & Herlina, M. (2023). Penerapan Metode Generalized Structure Component Analysispada Pengguna Dompet Digital Menggunakan Model UTAUT 2. Jurnal Riset Statistika, 3(1), 27-34. https://journals.unisba.ac.id/index.php/JRS/article/view/1772
Glady, J., & Rantung, R. (2020). DETERMINAN ANALYSIS OF INTENTION TO USE E - MONEY AMONG MILLENNIALS USING UTAUT. Journal of Management, 1(1), 90-104. https://ejournal.unklab.ac.id/index.php/kjm/article/view/451
Khalifah, A. (2022). Understanding IoT Mobile Payment Adoption: An Incorporating the UTAUT Theory with the Trust Acceptance Model . JOURNAL OF ENGINEERING AND COMPUTER SCIENCES, 14(2), 24-56. https://jecs.qu.edu.sa/index.php/jec/article/view/2310
Kurniasari, F., Urus, S., Utomo, P., Hamid, N., Jimmy, S., & Othman, I. (2022). Determinants of Adoption Fintech Payment Services in Indonesia using the UTAUT Approach. Asia-Pacific Management Accounting Journal, 17(1) 97-125. http://dx.doi.org/10.24191/APMAJ.V17i1-04
Mugni, N., & Rukumahu, B. (2019). ANALISIS NIAT PERILAKU PENGGUNAAN E-MONEY BERBASIS CHIP MENGGUNAKAN MODEL MODIFIKASI UTAUT(STUDI KASUS PADA PENGGUNA FLAZZ E-MONEY DI KOTA BANDUNG). Jurnal Mitra Manajemen Onliene (JMM Online), 3(5), 614-627. http://e-jurnalmitramanajemen.com/index.php/jmm/article/view/237
Musyaffi, A., Sari, D., & Respati, D. (2021). Understanding of Digital Payment Usage During COVID-19 Pandemic: A Study of UTAUT Extension Model in Indonesia. Journal of Asian Finance, Economics and Business, 8(6), 0475–0482. http://dx.doi.org/10.13106/jafeb.2021.vol8.no6.0475
Nur, T., & Panggabean, R. (2021). Factors Influencing the Adoption of Mobile Payment Method among Generation Z: the Extended UTAUT Approach. Journal of Accounting Research, Organization and Economics, 4(1), 14-28. https://papers.ssrn.com/sol3/papers.cfm?abstract_id=3824425
Pangestu, M., & Pasaribu, J. (2022). Behavior Intention Penggunaan Digital Payment QRIS Berdasarkan Model Unified Theory of Acceptance and Use of Technology (UTAUT) (Studi pada UMKM Sektor Industri Makanan & Minuman di Kota Jambi). JURNAL MANAJEMEN (JUMANAGE), 1(1) 29-37. https://ejournal.unama.ac.id/index.php/jumanage/article/view/23
Purwanto, E., Sjarief, R., Dawan, A., Kurniawan, S., Pertiwi , N., & Zahra, N. (2023). The Acceptance of Electronic Payment Among Urban People: An Empirical Study of the C-Utaut-Irt Model. JOURNAL OFLAW AND SUSTAINABLE DEVELOPMENT, 8(7), 1-25. http://dx.doi.org/10.26668/businessreview/2023.v8i7.2909
Sharma, M., & Sharma, S. (2019). Theoretical Framework for Digital Payments in Rural India: Integrating UTAUT and Empowerment Theory. International Working Converence on Transfer and Duffision IT, 212-223. http://dx.doi.org/10.1007/978-3-030-20671-0_15
Sudirjo, F., Bakri, A., Ismail, A., Haes, P., & Hakim, S. (2023). Level of Acceptance and Use Measurement of Electronic Money Technology Using UTAUT Model. Jurnal Sistem Informasi dan Teknologi, 5(3), 11-16. https://jsisfotek.org/index.php/JSisfotek/article/view/275
Tang, K., Aik, N., & Choong, W. (2021). A MODIFIED UTAUT IN THE CONTEXT OF M-PAYMENT USAGE INTENTION IN MALAYSIA. Journal of Applied Structural Equation Modeling, 5(1), 40-59. https://jasemjournal.com/wp-content/uploads/2021/03/JASEMV_51_05_Leong-et-al-2021.pdf
Tomic, N. K. (2023). Using the UTAljabbaru, I. H., & Sari, D. (2020). Analisis Penggunaan Mobile Payment Linkaja Dengan Menggunakan Model Unified Theory Of Acceptance And Use Of Technology (utaut). EProceedings of Management, 7(1). https://openlibrarypublications.telkomuniversity.ac.id/index.php/management/article/view/11612
Andrianto, A. (2020). FAKTOR YANG MEMPENGARUHI BEHAVIOR INTENTION UNTUK PENGGUNAAN APLIKASI DOMPET DIGITAL MENGGUNAKAN MODEL UTAUT2. Jurnal Ilmiah Ekonomi Bisnis, 25(2), 111–122. https://doi.org/10.35760/EB.2020.V25I2.2412.G2009
anugrah, meilinda dwi, & ompusunggu, hermaya. (2021). ANALISIS FAKTOR-FAKTOR YANG MEMPENGARUHI NIAT PENGGUNAAN E-MONEY MELALUI APLIKASI PEMBAYARAN BERBASIS DIGITAL MENGGUNAKAN MODEL UTAUT. Jurnal Ilmiah Ekonomi Dan Bisnis, 18(1), 47–56. https://doi.org/10.31849/JIEB.V18I1.5465
Auliya, P. N., & Arransyah, M. F. (2023). Penerapan Model UTAUT untuk Mengetahui Minat Perilaku Konsumen dalam Penggunaan QRIS. Ekonomi, Keuangan, Investasi Dan Syariah (EKUITAS), 4(3), 885–892. https://doi.org/10.47065/EKUITAS.V4I3.2808
Esawe, A. T. (2022). Exploring Retailers’ Behavioural Intentions Towards Using M-payment: Extending UTAUT with Perceived Risk and Trust. Https://Doi.Org/10.1177/09718907221091717, 26(1), 8–28. https://doi.org/10.1177/09718907221091717
Fadila, W., & Herlina, M. (2023). Penerapan Metode Generalized Structure Component Analysis pada Pengguna Dompet Digital Menggunakan Model UTAUT 2. Jurnal Riset Statistika, 27–34. https://doi.org/10.29313/JRS.V3I1.1772
Glady J, & Rantung R. (2020). View of ANALISIS DETERMINAN NIAT MENGGUNAKAN E-MONEY DI KALANGAN MILLENNIALS DENGAN PENDEKATAN UTAUT. Klabat Journal of Management, . https://ejournal.unklab.ac.id/index.php/kjm/article/view/451/449
Handayani, P. W. (n.d.). Systematic Review dengan PRISMA (Preferred Reporting Items for Systematic Reviews and Meta-analyses).
AUT model to analyze user intention to accept. Portuguese Economic Journal, 251–270.
Wei, M., Luh, Y., Huang, Y., & Chang, Y. (2021). Young Generation’s Mobile Payment Adoption Behavior: Analysis Based on an Extended UTAUT Model. Journal of Theoritical Appl. Electron. Commer , 618–63.
Andrianto, A. (2020). FAKTOR YANG MEMPENGARUHI BEHAVIOR INTENTION UNTUK PENGGUNAAN APLIKASI DOMPET DIGITAL MENGGUNAKAN MODEL UTAUT2. Jurnal Ilmiah Ekonomi Bisnis, 25(2), 111–122. https://doi.org/10.35760/EB.2020.V25I2.2412.G2009
anugrah, meilinda dwi, & ompusunggu, hermaya. (2021). ANALISIS FAKTOR-FAKTOR YANG MEMPENGARUHI NIAT PENGGUNAAN E-MONEY MELALUI APLIKASI PEMBAYARAN BERBASIS DIGITAL MENGGUNAKAN MODEL UTAUT. Jurnal Ilmiah Ekonomi Dan Bisnis, 18(1), 47–56. https://doi.org/10.31849/JIEB.V18I1.5465
Auliya, P. N., & Arransyah, M. F. (2023). Penerapan Model UTAUT untuk Mengetahui Minat Perilaku Konsumen dalam Penggunaan QRIS. Ekonomi, Keuangan, Investasi Dan Syariah (EKUITAS), 4(3), 885–892. https://doi.org/10.47065/EKUITAS.V4I3.2808
Esawe, A. T. (2022). Exploring Retailers’ Behavioural Intentions Towards Using M-payment: Extending UTAUT with Perceived Risk and Trust. Https://Doi.Org/10.1177/09718907221091717, 26(1), 8–28. https://doi.org/10.1177/09718907221091717
Fadila, W., & Herlina, M. (2023). Penerapan Metode Generalized Structure Component Analysis pada Pengguna Dompet Digital Menggunakan Model UTAUT 2. Jurnal Riset Statistika, 27–34. https://doi.org/10.29313/JRS.V3I1.1772
Glady J, & Rantung R. (2020). View of ANALISIS DETERMINAN NIAT MENGGUNAKAN E-MONEY DI KALANGAN MILLENNIALS DENGAN PENDEKATAN UTAUT. Klabat Journal of Management, . https://ejournal.unklab.ac.id/index.php/kjm/article/view/451/449
Handayani, P. W. (n.d.). Systematic Review dengan PRISMA (Preferred Reporting Items for Systematic Reviews and Meta-analyses).
Andrianti, A. (2020). FAKTOR YANG MEMENGARUHI BEHAVIOR INTENTION UNTUK PENGGUNAAN APLIKASI DOMPET DIGITAL MENGGUNAKAN MODEL UTAUT2. Jurnal Ilmiah Ekonomi Bisnis, 111-122.
Anugrah, M., & Ompusunggu, H. (2021). ANALISIS FAKTOR YANG MEMENGARUHI NIAT PENGGUNAAN E-MONEY MELALUI APLIKASI PEMBAYARAN BERBASIS DIGITAL MENGGUNAKAN MODEL UTAUT. Jurnal Ilmiah Ekonomi dan Bisnis, 47-56.
Arianita, A., Alfansi, L., & Anggarawati, S. (2023). ANALYSIS FACTOR AFFECTING THE USE OF DIGITAL PAYMENT WITH THE EXTENDED UTAUT MODEL. The Manager Review, 17(1), 91-108.
Ayem, S., Cahyaning, E. K., Sari, P. R., Sogen, A. H. A., Puspita, A., & Priambodo, D. (2023). Faktor-Faktor yang Mempengaruhi Terjadinya Financial Distress:. Reslaj : Religion Education Social Laa Roiba Journal, 5(6), 3057-3076. https://doi.org/10.47467/reslaj.v5i6.2971
Esawe, A. (2022). Exploring Retailers’ Behavioural Intentions Towards Using M-payment: Extending UTAUT with Perceived Risk and Trust. Sage Journals, 26(1), 8-28. https://journals.sagepub.com/doi/10.1177/09718907221091717
Fadila, W., & Herlina, M. (2023). Penerapan Metode Generalized Structure Component Analysispada Pengguna Dompet Digital Menggunakan Model UTAUT 2. Jurnal Riset Statistika, 3(1), 27-34. https://journals.unisba.ac.id/index.php/JRS/article/view/1772
Glady, J., & Rantung, R. (2020). DETERMINAN ANALYSIS OF INTENTION TO USE E - MONEY AMONG MILLENNIALS USING UTAUT. Journal of Management, 1(1), 90-104. https://ejournal.unklab.ac.id/index.php/kjm/article/view/451
Khalifah, A. (2022). Understanding IoT Mobile Payment Adoption: An Incorporating the UTAUT Theory with the Trust Acceptance Model . JOURNAL OF ENGINEERING AND COMPUTER SCIENCES, 14(2), 24-56. https://jecs.qu.edu.sa/index.php/jec/article/view/2310
Kurniasari, F., Urus, S., Utomo, P., Hamid, N., Jimmy, S., & Othman, I. (2022). Determinants of Adoption Fintech Payment Services in Indonesia using the UTAUT Approach. Asia-Pacific Management Accounting Journal, 17(1) 97-125. http://dx.doi.org/10.24191/APMAJ.V17i1-04
Mugni, N., & Rukumahu, B. (2019). ANALISIS NIAT PERILAKU PENGGUNAAN E-MONEY BERBASIS CHIP MENGGUNAKAN MODEL MODIFIKASI UTAUT(STUDI KASUS PADA PENGGUNA FLAZZ E-MONEY DI KOTA BANDUNG). Jurnal Mitra Manajemen Onliene (JMM Online), 3(5), 614-627. http://e-jurnalmitramanajemen.com/index.php/jmm/article/view/237
Musyaffi, A., Sari, D., & Respati, D. (2021). Understanding of Digital Payment Usage During COVID-19 Pandemic: A Study of UTAUT Extension Model in Indonesia. Journal of Asian Finance, Economics and Business, 8(6), 0475–0482. http://dx.doi.org/10.13106/jafeb.2021.vol8.no6.0475
Nur, T., & Panggabean, R. (2021). Factors Influencing the Adoption of Mobile Payment Method among Generation Z: the Extended UTAUT Approach. Journal of Accounting Research, Organization and Economics, 4(1), 14-28. https://papers.ssrn.com/sol3/papers.cfm?abstract_id=3824425
Pangestu, M., & Pasaribu, J. (2022). Behavior Intention Penggunaan Digital Payment QRIS Berdasarkan Model Unified Theory of Acceptance and Use of Technology (UTAUT) (Studi pada UMKM Sektor Industri Makanan & Minuman di Kota Jambi). JURNAL MANAJEMEN (JUMANAGE), 1(1) 29-37. https://ejournal.unama.ac.id/index.php/jumanage/article/view/23
Purwanto, E., Sjarief, R., Dawan, A., Kurniawan, S., Pertiwi , N., & Zahra, N. (2023). The Acceptance of Electronic Payment Among Urban People: An Empirical Study of the C-Utaut-Irt Model. JOURNAL OFLAW AND SUSTAINABLE DEVELOPMENT, 8(7), 1-25. http://dx.doi.org/10.26668/businessreview/2023.v8i7.2909
Sharma, M., & Sharma, S. (2019). Theoretical Framework for Digital Payments in Rural India: Integrating UTAUT and Empowerment Theory. International Working Converence on Transfer and Duffision IT, 212-223. http://dx.doi.org/10.1007/978-3-030-20671-0_15
Sudirjo, F., Bakri, A., Ismail, A., Haes, P., & Hakim, S. (2023). Level of Acceptance and Use Measurement of Electronic Money Technology Using UTAUT Model. Jurnal Sistem Informasi dan Teknologi, 5(3), 11-16. https://jsisfotek.org/index.php/JSisfotek/article/view/275
Tang, K., Aik, N., & Choong, W. (2021). A MODIFIED UTAUT IN THE CONTEXT OF M-PAYMENT USAGE INTENTION IN MALAYSIA. Journal of Applied Structural Equation Modeling, 5(1), 40-59. https://jasemjournal.com/wp-content/uploads/2021/03/JASEMV_51_05_Leong-et-al-2021.pdf
Tomic, N. K. (2023). Using the UTAljabbaru, I. H., & Sari, D. (2020). Analisis Penggunaan Mobile Payment Linkaja Dengan Menggunakan Model Unified Theory Of Acceptance And Use Of Technology (utaut). EProceedings of Management, 7(1). https://openlibrarypublications.telkomuniversity.ac.id/index.php/management/article/view/11612
Andrianto, A. (2020). FAKTOR YANG MEMPENGARUHI BEHAVIOR INTENTION UNTUK PENGGUNAAN APLIKASI DOMPET DIGITAL MENGGUNAKAN MODEL UTAUT2. Jurnal Ilmiah Ekonomi Bisnis, 25(2), 111–122. https://doi.org/10.35760/EB.2020.V25I2.2412.G2009
anugrah, meilinda dwi, & ompusunggu, hermaya. (2021). ANALISIS FAKTOR-FAKTOR YANG MEMPENGARUHI NIAT PENGGUNAAN E-MONEY MELALUI APLIKASI PEMBAYARAN BERBASIS DIGITAL MENGGUNAKAN MODEL UTAUT. Jurnal Ilmiah Ekonomi Dan Bisnis, 18(1), 47–56. https://doi.org/10.31849/JIEB.V18I1.5465
Auliya, P. N., & Arransyah, M. F. (2023). Penerapan Model UTAUT untuk Mengetahui Minat Perilaku Konsumen dalam Penggunaan QRIS. Ekonomi, Keuangan, Investasi Dan Syariah (EKUITAS), 4(3), 885–892. https://doi.org/10.47065/EKUITAS.V4I3.2808
Esawe, A. T. (2022). Exploring Retailers’ Behavioural Intentions Towards Using M-payment: Extending UTAUT with Perceived Risk and Trust. Https://Doi.Org/10.1177/09718907221091717, 26(1), 8–28. https://doi.org/10.1177/09718907221091717
Fadila, W., & Herlina, M. (2023). Penerapan Metode Generalized Structure Component Analysis pada Pengguna Dompet Digital Menggunakan Model UTAUT 2. Jurnal Riset Statistika, 27–34. https://doi.org/10.29313/JRS.V3I1.1772
Glady J, & Rantung R. (2020). View of ANALISIS DETERMINAN NIAT MENGGUNAKAN E-MONEY DI KALANGAN MILLENNIALS DENGAN PENDEKATAN UTAUT. Klabat Journal of Management, . https://ejournal.unklab.ac.id/index.php/kjm/article/view/451/449
Handayani, P. W. (n.d.). Systematic Review dengan PRISMA (Preferred Reporting Items for Systematic Reviews and Meta-analyses).
AUT model to analyze user intention to accept. Portuguese Economic Journal, 251–270.
Wei, M., Luh, Y., Huang, Y., & Chang, Y. (2021). Young Generation’s Mobile Payment Adoption Behavior: Analysis Based on an Extended UTAUT Model. Journal of Theoritical Appl. Electron. Commer , 618–63.
Published
2024-05-01
How to Cite
Ayem, S., Cahyaning, E. K., Ramadhan, I., Nurlitawati, M., Langkodi, H., & Trasno, F. A. (2024). Faktor-Faktor Yang Mempengaruhi Behavior Intention Terhadap Penggunaan Digital Payment : Systematic Literature Review. Jurnal Pendidikan Ekonomi (JUPE), 12(2), 196-206. https://doi.org/10.26740/jupe.v12n2.p196-206
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Copyright (c) 2024 Sri Ayem, Enggar Kartika Cahyaning, Idris Ramadhan, Merna Nurlitawati, Hiskia Langkodi, Filynsia Amelia Trasno (Author)
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