MODEL PENGEMBANGAN LITERASI FINTECH TERHADAP KEPUTUSAN MENGGUNAKAN UANG ELEKTRONIK DI INDONESIA - Femmy, - (2022)
Penelitian ini dilakukan atas fenomena peningkatan penggunaan uang elektronik, namun sebaran pengguna uang elektronik masih belum seimbang dan optimal, dimana pengguna terbesar ada pada kelompok generasi millennial. Model penelitian dibentuk dari sintesa literatur-literatur penelitian terdahulu dengan menggunakan bibliomterik analisis dan systematic literature review. Tujuan yang ingin dicapai adalah bagaimana hubungan saling keterkaitan antara literasi fintech, lingkungan sosial, kultur, perceived of enjoyment, payment habit, pada generasi milenial dan generasi senior di Indonesia terhadap keputusan untuk menggunakan uang elektronik. Penelitian ini menggunakan uang elektronik berbasis server sebagai unit analisis dengan teknik purposive sampling dimana 384 responden kategori millennial dan 100 responden kategori senior. Penelitian ini merupakan penelitian verifikatif dengan eksplanasi survei dan tenik analisis deskriptif dan inferensial. Analisa data menggunakan Structural Equation Model (SEM) melalui Sofware LISREL 8.7. Penelitian ini menemukan bahwa integrasi model TAM,DOI,UTAUT dan IRT sangat baik dan kuat dan menjelaskan keputusan menggunakan sebesar 82% pada millennial dan 78% senior. Hasil analisis deskriptif menunjukkan bahwa variabel literasi fintech, lingkungan sosial, kultur, Perceived of enjoyment, payment habit dan keputusan menggunakan terukur dalam kategori tinggi. Hasil uji hipotesis menunjukkan bahwa pengaruh literasi fintech dengan mediating perceived of enjoyment berpengaruh dengan tingkat signifikansi paling tinggi terhadap payment habit. Payment habit berpengaruh signifikan tinggi pada keputusan menggunakan pada kategori millennial maupun senior. Novelty dari penelitian ini menghasilkan model baru adopsi teknologi pembayaran dengan melihat faktor pendorong dan faktor penghambat dengan usia sebagai variabel moderasi. Keywords: Uang elektronik, Literasi fintech, Lingkungan Sosial, Kultur, Perceived of enjoyment, Payment Habit, Keputusan Menggunakan ABSTRACT This research was conducted on the phenomenon of the increasing use of electronic money, but the distribution of electronic money users is still not balanced and optimal, where the most prominent users are in the millennial generation group. The research model synthesizes previous research literature using bibliometric analysis and systematic literature review. The goal to be achieved is the interrelationships between fintech literacy, social environment, culture, perceived enjoyment, payment habits in the millennial and senior generations in Indonesia towards the decision to use electronic money. This study uses server-based electronic money as the unit of analysis with a purposive sampling technique where 384 respondents are in the millennial category, and 100 respondents are in the senior category. This research is verification research with survey explanation and descriptive and inferential analysis techniques. Data analysis using Structural Equation Model (SEM) through LISREL 8.7 software. This study found that integrating the TAM, DOI, UTAUT, and IRT models was very good and strong and explained the decision to use by 82% of millennials and 78% of seniors. The results of the descriptive analysis show that the variables of fintech literacy, social environment, culture, perceived enjoyment, payment habit, and decision to use are measured in the high category. The hypothesis test results show that the influence of fintech literacy with mediating perceived enjoyment has the highest level of significance on payment habits. Payment habits have a highly significant effect on decisions to use in the millennial and senior categories. The novelty of this study resulted in a new model of payment technology adoption by looking at the driving and inhibiting factors with age as a moderating variable. Keywords: Electronic Money, Fintech Literation, Social Environment, Culture, Perceived of enjoyment, Payment habit, Actual Use