ANALISIS FAKTOR- FAKTOR YANG MEMPENGARUHI MAHASISWA DALAM MINAT PENGGUNAAN SISTEM PEMBAYARAN E-WALLET DI MASA PANDEMI COVID-19 (Studi pada Mahasiswa Fakultas Ekonomi dan Bisnis Universitas Dian Nuswantoro Semarang)

Abstract

ABSTRACT

The implementation of the use of e-wallet during the COVID-19 pandemic continues to increase and becomes a challenge for provider companies. The present study aims to analyze and provide empirical evidence regarding the effect of perceived ease of use, perceived usefulness, and perceived risk as independent variables on the use of e-wallet. The population in this study were students of the Economics and Business Faculty of Dian Nuswantoro University Semarang during the COVID-19 pandemic. The sampling method of the research was 120 students as respondents, using the snowball sampling technique. The two-stage structural equation model was used to test the research model and data processing with SmartPLS 3.0. The results of this study indicate that perceived usefulness and perceived ease of use have a significant positive effect on e-wallet use, while perceived risk has a negative significant of use the e wallet.

Keywords: electronic wallet, perceived usefulness, perceived ease of use, perceived risk

ABSTRAK

Penerapan penggunaan e-wallet di masa pandemi COVID-19 terus meningkat dan menjadi tantangan bagi perusahaan penyedia. Penelitian ini bertujuan untuk menganalisis dan memberikan bukti empiris mengenai pengaruh persepsi kemudahan, persepsi kemanfaatan dan persepsi risiko sebagai variabel independen terhadap penggunaan sistem pembayaran e-wallet. Populasi dalam penelitian ini adalah mahasiswa Fakultas Ekonomi dan Bisnis Universitas Dian Nuswantoro Semarang di masa pandemi COVID-19. Metode pengambilan sampel penelitian sejumlah 120 mahasiswa menggunakan teknik snowball sampling.  Berdasarkan hasil penelitian dari dua tahap model persamaan structural digunakan untuk menguji model penelitian dan pengolahan data dengan SmartPLS 3.0 hasil penelitian menunjukkan persepsi manfaat dan persepsi kemudahan berpengaruh positif signifikan terhadap penggunaan e-wallet. Sedangkan persepsi risiko berpengaruh negatif signifikan terhadap persepsi risiko.

Kata Kunci: dompet elektronik, persepsi kemanfaatan, persepsi kemudahan, persepsi risiko