Analysis of E-Commerce User Acceptance of Technology-Based Loan Application Features Using The UTAUT Model
Article Sidebar
Published:
Sep 2, 2023
Keywords:
Pay Later, UTAUT, Behavioral Intention, Effort Expectancy
Main Article Content
Abstract
The purpose of this study was to obtain and determine the variables that influence the interest of pay later loan users in DKI Jakarta using the modified UTAUT 2 model by adding one perceived security variable. This study used a quantitative method by distributing questionnaires online to 163 pay later users. Using the PLS-SEM analysis approach with SmartPLS 3.3, of the 11 hypotheses tested, five had a significant effect, and six had no significant effect. The relationship path that has the greatest influence is behavioral intention and use behavior, while the path that has the least influence is social influence on use behavior. The results of this study provide recommendations on performance extension by increasing the performance of the pay later feature. Effort expectancy by making it easy to activate the pay later and providing limit adjustments. Social influence creates attractive ads and expands paid information. Hedonic motivation by improving the appearance of a more attractive user interface and increasing the use of the system with user experience. Price value by providing low interest and appropriate limits. Habit by following the recommendations of all variables as a reference for future improvement steps. Facilitating conditions pay later cooperates with other merchants as a payment option to expand the network. Perceived security by implementing fingerprint locks and enhancing user information security and privacy. Behavioral intention follows all recommendations on the factors that influence intention. and use behavior following the recommendations on the factors that influence the intensity level of the user's use of the pay later.
Article Details
How to Cite
K. Pramudito, D., Rudin, Br Ginting, R. U., Sekianti, A., & Sepria Baresi, I. (2023). Analysis of E-Commerce User Acceptance of Technology-Based Loan Application Features Using The UTAUT Model. Jurnal Informasi Dan Teknologi, 5(3), 36-42. https://doi.org/10.60083/jidt.v5i3.390
Issue
Section
Articles
This work is licensed under a Creative Commons Attribution 4.0 International License.
References
[1] Afiana, F. N., Subarkah, P., & Hidayat, A. K, “Comparative Analysis of the TAM Method and the UTAUT 2 Method in Measuring the Success of SIMRS Implementation at Wijaya Kusuma DKT Purwokerto Firm,” MATRIK: Jurnal Manajemen, Teknik Informatika dan Rekayasa Komputer, vol. 19, np. 1, pp. 17– 26, 2019, https://doi.org/10.30812/matrik.v19i1.432
[2] Kamaruddin, I., Tannady, H., & Aina, M. (2023). The efforts to improve children’s motoric ability by utilizing the role of traditional games. Journal on Education, 5(3), 9736-9740.
[3] Brown & Venkatesh, “Model of Adoption of Technology in Households: A Baseline Model Test and Extension Incorporating Household Life Cycle,” MIS Quarterly, vol. 29, no. 3, pp. 399, 2015, https://doi.org/10.2307/25148690
[4] Kamaruddin, I. (2020). Practice Learning Model by Using Moving Target Media for Offensive Attack of Fencing Martial Art Assessed at Motor Ability. Jurnal Pendidikan: Teori, Penelitian, dan Pengembangan, 5(5), 658-665.
[5] Sukmawati, E., ST, S., Keb, M., Fitriadi, H., Pradana, Y., Dumiyati, M. P., & Kasmanto Rinaldi, S. H. (2022). Digitalisasi sebagai pengembangan model pembelajaran. Cendikia Mulia Mandiri.
[6] Fachrurazi, H., MM, S. A., Cahyadi, N., S ST, M. M., Fitriadi, H., Rianda Hanis, S. E. I., ... & Ak, M. (2022). Dasar dan Konsep Manajemen Organisasi. CV Rey Media Grafika.
[7] Kamaruddin, I., Latuconsina, A., Pramono, S. A., Pattiasina, P. J., & Wahab, A. (2022). Urgensi Kemampuan Technological Pedagogical Content Knowledge Personality (Tpack-P) Pendidik Di Era Revolusi Industri 4.0. Jurnal Pendidikan Dan Konseling (JPDK), 4(5), 3680-3688.
[8] Magalhaes, A. D. J., Sopwandin, I., & Bakri, A. A. (2023). Online Training Application Design with Website-Based Blended Learning System Method. Journal of Information System, Technology and Engineering, 1(2), 43–48.
[9] Bakri, A. A., Wandanaya, A. B., Violin, V., & Fauzan, T. R. (2023). The Application of UTAUT Modified Model to Analyze the Customers Use Behavior of Shopee Paylater. Jurnal Sistim Informasi dan Teknologi, 96-101.
[10] Sudirjo, F., Bakri, A. A., Ismail, A., Haes, P. E., & Hakim, S. (2023). Level of Acceptance and Use Measurement of Electronic Money Technology Using UTAUT Model. Jurnal Sistim Informasi dan Teknologi, 11-16.
[11] Setiadi, B., Kraugusteeliana, K., Risdwiyanto, A., Bakri, A. A., & Arief, I. (2023). The Application of Delone and Mclean Framework to Analyze the Relationship Between Customer Satisfaction and User Experience of Mobile Application. Jurnal Sistim Informasi Dan Teknologi, 84-89.
[12] Haq, M. S., Bakri, A. A., Halik, A., & Sari, M. (2023). Utilization and development of guidance and counseling applications to support the potential development of vocational students. Jurnal Mantik, 7(1), 293-302.
[13] Rijal, S., & Bakri, A. A. (2023). Effect of Auditor Specialization, Auditor Characteristics, Board Independence on Audit Quality through intellectual capital: Study on service companies. The ES Accounting And Finance, 1(02), 95-103.
[14] Hendrawan, H., Bakri, A. A., Fatchuroji, A., & Effendi, R. (2023). Effects of Capital, Usage of Accounting Information, Financial Statements, and Characteristics Entrepreneurship on Financial Capability and Business Performance of MSMEs. The ES Accounting And Finance, 1(02), 72-81.
[15] Venkatesh, Morris, Davis, & Davis, “User Acceptance of Information Technology: Toward a Unified View,” MIS Quarterly, vol. 27, no. 3, pp. 425, 2003, https://doi.org/10.2307/30036540
[16] Kamaruddin, Waroka, Palyanti, Indriyani, Priakusuma, & Utama, (2023). The Influence of Parenting Patterns on Learning Motivation of High School Students. Attractive : Innovative Education Journal, 5(2), 171-179.
[17] Venkatesh, V., Thong, J. Y. L., & Xu, X, “Consumer Acceptance and Use of Information Technology: Extending the Unified Theory of Acceptance and Use of Technology,” MIS Quarterly, vol. 36, no 1, pp. 157–178, 2021.
[18] Sundari, R. S., Arshad, A., Siddiqui, S. A., Khan, M. K., Heryadi, Y., Ahmad, F., ... & Ibrahim, S. (2021). INDUSTRIALIZATION FED LABOR MIGRATION IN THE COUNTRYSIDE TASIKMALAYA’S TRANSITION FROM AGRICULTURE TO THE CRISPY SNACKS INDUSTRY. Journal of Hygienic Engineering and Design.
[19] Heryadi, D. Y., Tannady, H., Dwinoor Rembulan, G., Rofatin, B., & Siti Sundari, R. (2023). Changes in behavior and welfare of organic rice farmers during the COVID-19 pandemic. Caspian Journal of Environmental Sciences, 21(1), 191-197.
[20] Nur, M., & Ilham Kamaruddin, J. (2021). The Effect of Solo Drill, Pairs Drill, and Mixed Drill Method on the Smash Kedeng (Scissors). Annals of the Romanian Society for Cell Biology, 25(6), 5524-5533.
[21] Heryadi, D. Y., Noor, T. I., Deliana, Y., & Hamdani, J. S. (2018). Assessing the performance and factors affecting organic rice agribusiness sustainability. Int. J. Devel. Res, 8, 24110-24115.
[22] I. Kamaruddin, N. Susanto, I. P. A. D. Hita, E. Y. R. Pratiwi, D. Abidin, and A. J. Laratmase, “Analyzing the Impact of Physical Education on Character Development in Elementary School Students”, at-tadib, vol. 18, no. 1, pp. 10–17.
[23] Ferdiansyah, H., Komaria, N., & Arief, I. (2023). The Application of Support Vector Machine Method to Analyze the Sentiments of Netizens on Social Media Regarding the Accessibility of Disabilities in Public Spaces. Journal of Information System, Technology and Engineering, 1(1), 6–10.
[24] Mutmainnah, M., Subandi, M., Arief, I., Simbolon, S., & Suharyatun, S. (2023). Analysis of the Relationship Between Development of Teacher’s Pedagogic Competence Through Work Group Effectiveness. Jurnal Pendidikan Tambusai, 7(1), 2095–2099.
[25] Ichsan, I., Subroto, D. E., Dewi, R. A. P. K., Ulimaz, A., & Arief, I. (2023). The Effect of Student Worksheet With Creative Problem Solving Based On Students Problem Solving Ability. Journal on Education, 5(4), 11583-11591.
[26] Mohzana, M., Israwaty, I., Cindy Sandra Lumingkewas, S., Abdul Tahir, T., & Ilham Arief, A. (2023). The Effectiveness Analysis of Android Based E-Diagnostic Test Development Program to Identify Level of Student’s Misconception. Journal on Education, 6(1), 1363-1368.
[27] Rachmad, Y. E., Abubakar, F., Arief, I., Hartati, S., & Kristanti, D. (2023). The Influence of Organizational Culture, Educational Background and Compensation on Employee Performance at National Sharia Bank. JEMSI (Jurnal Ekonomi, Manajemen, dan Akuntansi), 9(2), 327-332.
[28] Arief, I., Fahriati, A. R., & Kartikasari, N. (2022, August). Servqual scale to investigate patient satisfaction of pharmaceutical service at private dental hospital, Jakarta, Indonesia. In BIC 2021: Proceedings of the 6th Batusangkar International Conference, BIC 2021, 11-12 October, 2021, Batusangkar-West Sumatra, Indonesia (p. 453). European Alliance for Innovation.
[29] Satriadi, Satriadi; Almaududi Ausat, Abu Muna; Heryadi, D. Yadi; Widjaja, Warkianto; and Sari, Ade Risna (2022) "Determinants of Entrepreneurial Intention: A Study on Indonesian Students," BISNIS & BIROKRASI: Jurnal Ilmu Administrasi dan Organisasi: Vol. 29: No. 3.
[30] Pramudito, D. K., Nuryana, A., Assery, S., Purnomo, H., & Ady Bakri, A. (2023). Application of Unified Theory of Acceptance, Use of Technology Model and Delone & Mclean Success Model to Analyze Use Behavior in Mobile Commerce Applications. Jurnal Informasi Dan Teknologi, Vol.5, No.3, pp.1-6.
[31] Pramudito, D. K., Arijanti, S., Yanto RUkmana, A., Oetomo, D. S., & Kraugusteeliana, K. (2023). The Implementation of End User Computing Satisfaction and Delone & Mclean Model to Analyze User Satisfaction of M.TIX Application. Jurnal Informasi Dan Teknologi, Vol.5, No.3, pp.7-12.
[32] Wijaya, K., & Handriyantini, E, “Analysis of Factors Affecting Behavioral Intention in Online Marketplace Using the UTAUT Model (Case Study: Shopee),” vol. 9, 2020.
[2] Kamaruddin, I., Tannady, H., & Aina, M. (2023). The efforts to improve children’s motoric ability by utilizing the role of traditional games. Journal on Education, 5(3), 9736-9740.
[3] Brown & Venkatesh, “Model of Adoption of Technology in Households: A Baseline Model Test and Extension Incorporating Household Life Cycle,” MIS Quarterly, vol. 29, no. 3, pp. 399, 2015, https://doi.org/10.2307/25148690
[4] Kamaruddin, I. (2020). Practice Learning Model by Using Moving Target Media for Offensive Attack of Fencing Martial Art Assessed at Motor Ability. Jurnal Pendidikan: Teori, Penelitian, dan Pengembangan, 5(5), 658-665.
[5] Sukmawati, E., ST, S., Keb, M., Fitriadi, H., Pradana, Y., Dumiyati, M. P., & Kasmanto Rinaldi, S. H. (2022). Digitalisasi sebagai pengembangan model pembelajaran. Cendikia Mulia Mandiri.
[6] Fachrurazi, H., MM, S. A., Cahyadi, N., S ST, M. M., Fitriadi, H., Rianda Hanis, S. E. I., ... & Ak, M. (2022). Dasar dan Konsep Manajemen Organisasi. CV Rey Media Grafika.
[7] Kamaruddin, I., Latuconsina, A., Pramono, S. A., Pattiasina, P. J., & Wahab, A. (2022). Urgensi Kemampuan Technological Pedagogical Content Knowledge Personality (Tpack-P) Pendidik Di Era Revolusi Industri 4.0. Jurnal Pendidikan Dan Konseling (JPDK), 4(5), 3680-3688.
[8] Magalhaes, A. D. J., Sopwandin, I., & Bakri, A. A. (2023). Online Training Application Design with Website-Based Blended Learning System Method. Journal of Information System, Technology and Engineering, 1(2), 43–48.
[9] Bakri, A. A., Wandanaya, A. B., Violin, V., & Fauzan, T. R. (2023). The Application of UTAUT Modified Model to Analyze the Customers Use Behavior of Shopee Paylater. Jurnal Sistim Informasi dan Teknologi, 96-101.
[10] Sudirjo, F., Bakri, A. A., Ismail, A., Haes, P. E., & Hakim, S. (2023). Level of Acceptance and Use Measurement of Electronic Money Technology Using UTAUT Model. Jurnal Sistim Informasi dan Teknologi, 11-16.
[11] Setiadi, B., Kraugusteeliana, K., Risdwiyanto, A., Bakri, A. A., & Arief, I. (2023). The Application of Delone and Mclean Framework to Analyze the Relationship Between Customer Satisfaction and User Experience of Mobile Application. Jurnal Sistim Informasi Dan Teknologi, 84-89.
[12] Haq, M. S., Bakri, A. A., Halik, A., & Sari, M. (2023). Utilization and development of guidance and counseling applications to support the potential development of vocational students. Jurnal Mantik, 7(1), 293-302.
[13] Rijal, S., & Bakri, A. A. (2023). Effect of Auditor Specialization, Auditor Characteristics, Board Independence on Audit Quality through intellectual capital: Study on service companies. The ES Accounting And Finance, 1(02), 95-103.
[14] Hendrawan, H., Bakri, A. A., Fatchuroji, A., & Effendi, R. (2023). Effects of Capital, Usage of Accounting Information, Financial Statements, and Characteristics Entrepreneurship on Financial Capability and Business Performance of MSMEs. The ES Accounting And Finance, 1(02), 72-81.
[15] Venkatesh, Morris, Davis, & Davis, “User Acceptance of Information Technology: Toward a Unified View,” MIS Quarterly, vol. 27, no. 3, pp. 425, 2003, https://doi.org/10.2307/30036540
[16] Kamaruddin, Waroka, Palyanti, Indriyani, Priakusuma, & Utama, (2023). The Influence of Parenting Patterns on Learning Motivation of High School Students. Attractive : Innovative Education Journal, 5(2), 171-179.
[17] Venkatesh, V., Thong, J. Y. L., & Xu, X, “Consumer Acceptance and Use of Information Technology: Extending the Unified Theory of Acceptance and Use of Technology,” MIS Quarterly, vol. 36, no 1, pp. 157–178, 2021.
[18] Sundari, R. S., Arshad, A., Siddiqui, S. A., Khan, M. K., Heryadi, Y., Ahmad, F., ... & Ibrahim, S. (2021). INDUSTRIALIZATION FED LABOR MIGRATION IN THE COUNTRYSIDE TASIKMALAYA’S TRANSITION FROM AGRICULTURE TO THE CRISPY SNACKS INDUSTRY. Journal of Hygienic Engineering and Design.
[19] Heryadi, D. Y., Tannady, H., Dwinoor Rembulan, G., Rofatin, B., & Siti Sundari, R. (2023). Changes in behavior and welfare of organic rice farmers during the COVID-19 pandemic. Caspian Journal of Environmental Sciences, 21(1), 191-197.
[20] Nur, M., & Ilham Kamaruddin, J. (2021). The Effect of Solo Drill, Pairs Drill, and Mixed Drill Method on the Smash Kedeng (Scissors). Annals of the Romanian Society for Cell Biology, 25(6), 5524-5533.
[21] Heryadi, D. Y., Noor, T. I., Deliana, Y., & Hamdani, J. S. (2018). Assessing the performance and factors affecting organic rice agribusiness sustainability. Int. J. Devel. Res, 8, 24110-24115.
[22] I. Kamaruddin, N. Susanto, I. P. A. D. Hita, E. Y. R. Pratiwi, D. Abidin, and A. J. Laratmase, “Analyzing the Impact of Physical Education on Character Development in Elementary School Students”, at-tadib, vol. 18, no. 1, pp. 10–17.
[23] Ferdiansyah, H., Komaria, N., & Arief, I. (2023). The Application of Support Vector Machine Method to Analyze the Sentiments of Netizens on Social Media Regarding the Accessibility of Disabilities in Public Spaces. Journal of Information System, Technology and Engineering, 1(1), 6–10.
[24] Mutmainnah, M., Subandi, M., Arief, I., Simbolon, S., & Suharyatun, S. (2023). Analysis of the Relationship Between Development of Teacher’s Pedagogic Competence Through Work Group Effectiveness. Jurnal Pendidikan Tambusai, 7(1), 2095–2099.
[25] Ichsan, I., Subroto, D. E., Dewi, R. A. P. K., Ulimaz, A., & Arief, I. (2023). The Effect of Student Worksheet With Creative Problem Solving Based On Students Problem Solving Ability. Journal on Education, 5(4), 11583-11591.
[26] Mohzana, M., Israwaty, I., Cindy Sandra Lumingkewas, S., Abdul Tahir, T., & Ilham Arief, A. (2023). The Effectiveness Analysis of Android Based E-Diagnostic Test Development Program to Identify Level of Student’s Misconception. Journal on Education, 6(1), 1363-1368.
[27] Rachmad, Y. E., Abubakar, F., Arief, I., Hartati, S., & Kristanti, D. (2023). The Influence of Organizational Culture, Educational Background and Compensation on Employee Performance at National Sharia Bank. JEMSI (Jurnal Ekonomi, Manajemen, dan Akuntansi), 9(2), 327-332.
[28] Arief, I., Fahriati, A. R., & Kartikasari, N. (2022, August). Servqual scale to investigate patient satisfaction of pharmaceutical service at private dental hospital, Jakarta, Indonesia. In BIC 2021: Proceedings of the 6th Batusangkar International Conference, BIC 2021, 11-12 October, 2021, Batusangkar-West Sumatra, Indonesia (p. 453). European Alliance for Innovation.
[29] Satriadi, Satriadi; Almaududi Ausat, Abu Muna; Heryadi, D. Yadi; Widjaja, Warkianto; and Sari, Ade Risna (2022) "Determinants of Entrepreneurial Intention: A Study on Indonesian Students," BISNIS & BIROKRASI: Jurnal Ilmu Administrasi dan Organisasi: Vol. 29: No. 3.
[30] Pramudito, D. K., Nuryana, A., Assery, S., Purnomo, H., & Ady Bakri, A. (2023). Application of Unified Theory of Acceptance, Use of Technology Model and Delone & Mclean Success Model to Analyze Use Behavior in Mobile Commerce Applications. Jurnal Informasi Dan Teknologi, Vol.5, No.3, pp.1-6.
[31] Pramudito, D. K., Arijanti, S., Yanto RUkmana, A., Oetomo, D. S., & Kraugusteeliana, K. (2023). The Implementation of End User Computing Satisfaction and Delone & Mclean Model to Analyze User Satisfaction of M.TIX Application. Jurnal Informasi Dan Teknologi, Vol.5, No.3, pp.7-12.
[32] Wijaya, K., & Handriyantini, E, “Analysis of Factors Affecting Behavioral Intention in Online Marketplace Using the UTAUT Model (Case Study: Shopee),” vol. 9, 2020.