Continuance Usage E-Wallet: Menguji Pengaruh Perceived Ease of Use, Perceived Security, dan Trust

Bayu Wiratama; Made Virma Permana; Wahyono Wahyono; Angga Pandu Wijaya

doi:10.26737/jtmb.v11i1.7356

Continuance Usage E-Wallet: Menguji Pengaruh Perceived Ease of Use, Perceived Security, dan Trust

Bayu Wiratama, Made Virma Permana, Wahyono Wahyono, Angga Pandu Wijaya

Abstract

Penelitian ini bertujuan untuk menguji pengaruh perceived security dan perceived ease of use terhadap continuance usage e-wallet melalui trust. Penelitian ini dilandasi oleh ketatnya persaingan yang semakin antara e-wallet dan layanan mobile banking, serta masih terbatasnya pemahaman mengenai beberapa faktor yang mendorong pemanfaatan ulang e-wallet. Penelitian ini mempergunakan pendekatan kuantitatif untuk menguji pengaruh antar variabel serta jenis penelitian kausal. Data dikumpulkan melalui survei terhadap 184 responden yang merupakan pengguna aktif e-wallet. Analisis data mempergunakan teknik Structural Equation Modeling berbasis Partial Least Squares (SEM-PLS). Hasil penelitian membuktikan bahwa perceived ease of use memiliki pengaruh signifikan terhadap continuance usage baik secara langsung maupun tidak melalui trust. Sementara itu, perceived security hanya berpengaruh langsung terhadap continuance usage, namun tidak berpengaruh terhadap trust. Temuan riset ini mempunyai implikasi bahwa kemudahan penggunaan tidak hanya meningkatkan penggunaan ulang, tetapi juga berperan penting dalam membangun kepercayaan terhadap e-wallet. Hasil penelitian ini mengindikasikan perceived security tidak membentuk trust, sehingga mengindikasikan perilaku penggunaan e-wallet hanya dipergunakan pada transaksi dengan jumlah nilai yang terbatas. Penelitian ini mengindikasikan bahwa penyedia layanan e-wallet disarankan untuk mengutamakan pada penyederhanaan fitur dan peningkatan pengalaman pengguna.

Keywords

e-wallet, perceived security, perceived ease of use, trust, continuance usage

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References

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DOI: http://dx.doi.org/10.26737/jtmb.v11i1.7356

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