Analisa Tingkat Penerimaan dan Kepercayaan Pengguna Teknologi Terhadap  Penggunaan Dompet Digital DANA

Analysis Acceptance and Trust Level of Technology User Towards the Use of DANA Digital Wallet

Abstrak—Perkembangan teknologi yang memungkinkan segala hal dapat dilakukan secara digital, proses digitalisasi kini sudah dimanfaatkan  dalam setiap kegiatan. Kegiatan ekonomi memanfaatkan proses digital melalui teknologi dompet digital. Salah satu teknologi dompet digital  yang  memiliki banyak pengguna adalah Dompet Digital Dana karena salah satu keunggulannya, yaitu fitur simpan kartu. Penelitian ini dilakukan dengan tujuan mengetahui pengaruh  performance expectancy (kinerja yang diharapkan), effort expectancy (upaya yang diharapkan), social influence (pengaruh lingkungan sosial), facilitating conditions (kondisi fasilitas pendukung), hedonic motivation (motivasi akan rasa senang), price value (nilai harga), habit (kebiasaan) dan trust (kepercayaan) terhadap  behavioral intention, serta mengetahui pengaruh facilitating conditions, habit dan behavioral intention terhadap use behavior (kebiasaan dalan penggunaan). Metode penelitian yang digunakan adalah kuantitatif dengan responden sebanyak 206 pengguna dompet digital Dana. Data yang dikumpulkan merupakan hasil survei melalui google form. Pengujian pra syarat dilakukan dengan software SPSS Statistics 23, kemudian teknik analisis data menggunakan teknik analisis SEM (structural equation model) pada software Amos SPSS Statistics 23. Hasil penelitian ini menunjukkan adanya pengaruh  positif dari variabel independen Social Influence, Facilitating Conditions, Habit serta Price Value terhadap variabel dependen  Behavioral Intention. Hubungan antara variabel independen  Performance Expectancy, Effort Expectancy, Social Influence, Facilitating Conditions, Hedonic Motivation, Price Value, Habit dan Trust terhadap variabel dependen Behavioral Intention dapat dijelaskan sebesar 67,1%. Sementara hubungan antar variabel independen Facilitating Conditions, Habit dan Behavioral Intention terhadap variabel dependen Use Behavior sangat kecil, yaitu hanya sebesar 4,2% saja.

Abstract—The development of technology that allows everything to be done digitally, the digitalization process has now been used in every activity. Economic activities utilize digital processes through digital wallet technology. One of the digital wallet technologies that has many users is the Dana Digital Wallet because one of its advantages is the card saving feature. This research was conducted with the aim of knowing the effect of performance expectancy, effort expectancy, social influence, facilitating conditions, hedonic motivation, price value, habit and trust on behavioral intention, as well as knowing the effect of facilitating conditions, habit and behavioral intention on use behavior. The research method used is quantitative with 206 respondents which are Dana digital wallet users. The data collected is the result of a survey via google form. Pre-requisite testing was carried out with SPSS Statistics 23 software, then the data analysis technique used SEM (structural equation model) analysis techniques on Amos SPSS Statistics 23 software. The results of this study indicate a positive influence from the independent variables Social Influence, Facilitating Conditions, Habit and Price Value on the dependent variable Behavioral Intention. The relationship between the independent variables Performance Expectancy, Effort Expectancy, Social Influence, Facilitating Conditions, Hedonic Motivation, Price Value, Habit and Trust on the dependent variable Behavioral Intention can be explained at 67.1%. While the relationship between the independent variables Facilitating Conditions, Habit and Behavioral Intention to the dependent variable Use Behavior is very small, which is only 4.2%.