Abstract
Electronic Cash (Server-Based) is one way to realize a cashless society in Indonesia. However, previous studies have shown that there are antecedents that influence consumers' perceptions of the use of electronic cash which then also influences consumer usage decisions. This study aims to look at the antecedents that affect the perception and usage decisions of Indonesian consumers regarding the use of electronic cash (server-based).The study was conducted by survey method and analyzed using the PLS approach. The results showed that ease of use, trust, security, self-efficacy, and social influences are antecedents that influence consumer perceptions and electronic cash (server-based) usage decisions.Keywords : Electronic Cash, Server Based, Ease of Use, Trust, Security, Self-Efficacy, Social Influences, Usefulness, Consumer’s Perception, Usage Decision.
Highlights
Perkembangan inovasi teknologi keuangan yang terjadi saat ini dapat menjadi peluang sekaligus ancaman, terutama pelanggan dari industri non-bank juga mengalami perubahan akibat tren inovasi teknologi keuangan ini
This study aims to look at the antecedents that affect the perception and usage decisions of Indonesian consumers regarding the use of electronic cash (server-based).The study was conducted by survey method and analyzed using the Partial Least Squares (PLS) approach
The results showed that ease of use, trust, security, self-efficacy, and social influences are antecedents that influence consumer perceptions and electronic cash (server-based) usage decisions
Summary
Perkembangan inovasi teknologi keuangan yang terjadi saat ini dapat menjadi peluang sekaligus ancaman, terutama pelanggan dari industri non-bank juga mengalami perubahan akibat tren inovasi teknologi keuangan ini. Indonesia merupakan negara yang menerapkan pembayaran non tunai (Cashless) yang baru dalam tahap sangat awal pada saat ini. Indonesia baru mulai menerapkan transaksi tanpa uang tunai sejak awal tahun 2010 yang disosialisasikan oleh Bank Indonesia terhadap masyarakat. Penelitian ini bermula dari adanya riset gap dari penelitian Teoh et al (2013), hasil penelitian menunjukkan bahwa Trust dan Security tidak berhubungan signifikan terhadap persepsi konsumen dalam menggunakan pembayaran elektronik. Hal tersebut terbukti dari banyaknya jumlah alat pembayaran e-money yang beredar di masyarakat dimana didukung oleh dengan meningkatnya volume transaksi serta nilai transaksi penggunaan e-money yang cukup signifikan dalam lima tahun terakhir. Antusiasme nasabah perbankan Indonesia dalam menggunakan internet banking juga terlihat pada situs Bank BCA, Bank AMZ, dan Bank BNI.
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