Dampak Kemudahan dan Risiko Sistem Pembayaran QR Code: Technology Acceptance Model (TAM) Extension
DOI:
https://doi.org/10.33603/jibm.v3i2.2635Keywords:
Behavioural Intention, Pay by QR, Perceived Ease of use, Perceived Risk, TAM.Abstract
Abstract. Mobile Payment has developed quickly and easily. One of them by using a QR Code by scanning the Bar Code through the Smartphone camera. Unfortunately, there is inherent risk especially in the aspect of theft of financial and non-financial data. Therefore, this study aims to examine user acceptance in terms of the ease and risk of QR Code Payments. The target of respondents in this study were all users of Payment methods using QR Codes in Indonesia with 100 respondents with a simple random sampling method through online distribution and structured interviews. The method used in this study used the Structural Equation Model (SEM) - Partial Least Square (PLS). The findings in this research show that there is a contribution to the Technology Acceptance Model (TAM) model, especially Perceived Ease of use factor that further strengthens the acceptance of Pay by QR. While risk perception does not have a significant impact on intention to use the Pay by QR system.
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Keywords: Behavioural Intention; Pay by QR; Perceived Ease of use; Perceived Risk; TAM.
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Abstrak. Model pembayaran mobile telah berkembang secara signifikan dan semakin mudah. Salah satunya adalah pembayaran dengan menggunakan kode QR dengan men-scan kode QR melalui kamera Smartphone. Sayangnya dibalik kemudahan penggunaan pembayaran QR, terdapat resiko yang melekat terutama dalam aspek pencurian data keuangan maupun non keuangan. Atas dasar inilah penelitian ini diadakan dengan tujuan untuk menguji penerimaan pengguna yang dilihat dari sisi kemudahan dan resiko pembayaran kode QR. Target responden riset ini adalah seluruh pengguna metode pembayaran menggunakan kode QR di Indonesia dengan jumlah responden sebayak 100 dengan meteode simple random sampling melalui penyebaran online dan wawancara secara terstruktur. Metode yang digunakan dalam penelitian ini menggunakan Struktural Equation Model (SEM) – Partial Least Square (PLS). Temuan dalam riset menunjukan adanya kontribusi terhadap model Technology Acceptance Model (TAM) terutama faktor kemudahan yang semakin memperkuat penerimaan penggunaan Pay by QR. Sementara persepsi resiko tidak memiliki dampak yang signifikan terhadap niat menggunakan sistem Pay by QR.
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Katakunci: Behavioural Intention; Pay by QR: Mobile Payment; Persepsi Kemudahan; Persepsi Resiko; TAM;
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