UNIFIED THEORY OF ACCEPTANCE AND USE OF TECHNOLOGY 2 MODEL APPLICATION AND TECHNOLOGY SECURITY PERCEPTION TO EXPLAIN BEHAVIOR USE OF ELECTRONIC MONEY IN SOUTH JAKARTA
Bunga Sukma Mefatisani a, Lely Dahlia b
ab Trilogi University, Jakarta and Indonesia
bungasukma01[at]gmail.com
cd Trilogi University, Jakarta and Indonesia
lelydahlia[at]trilogi.ac.id
Abstract
The study aims to explain the behavior of electronic money usage through the implementation of the Unified Theory of Acceptance and Use of Technology 2 (UTAUT 2) model that is collaborated with two other variables, including the factors examined Includes performance expectations, effort expectations, social influences, facilitation conditions, hedonist motivation, price value, habits, technological perception of security and the perception of Muslim society on electronic money transactions. UTAUT 2 is a model of acceptance and use of technology that combines the best features of several other technological acceptance theory models. This type of research is quantitative descriptive. Research is located in South Jakarta. Data is obtained using an online questionnaire with 176 respondents. Hypothesis testing was conducted using Structural Equation Model (SEM) with the Partial Least Square (PLS) application. The results of this study indicate that the application of the UTAUT 2 theory is positively influential in the behavior of electronic money usage, the security perception of technology doesn-t have a positively affects on the behavior of electronic money usage and the perception of Muslim society using electronic money has doesn-t have positive effect. Therefore, governments and electronic money-issuing parties need to consider the use of the UTAUT 2 theory model to be able to supervise and assess the product in the community, increased secutiry on electronic money servers is needed to increase community confidence, and the government is building partnership with electronic money publishers Syari-ah in order to minimize the concern of Muslim in using electronic money.
Keywords: Electronic money, UTAUT 2, technology security, Muslim perception, electronic money usage behaviour
Topic: Finance and Risk Management