Adopsi Biometric Mobile Payment System Pada OVO di Jakarta: Niat Penggunaan Generasi Z Berdasarkan UTAUT2 Extended

Bryan Christiano, Julius Sutrisno

Abstract


Penelitian ini bertujuan untuk menganalisis pengaruh delapan variabel independen, termasuk elemen-elemen dari model UTAUT2 yang diperluas dengan teori kepercayaan dan risiko, terhadap niat penggunaan Biometric Mobile Payment System (BMPS) pada OVO di kalangan Generasi Z di Jakarta. Metode yang digunakan adalah analisis kuantitatif dengan pendekatan PLS-SEM menggunakan SmartPLS 4, dengan sampel sebanyak 203 responden Generasi Z dan telah menggunakan BMPS pada OVO. Hasil penelitian menunjukkan bahwa performance expectancy, hedonic motivation, habit, dan trust memiliki pengaruh positif dan signifikan dengan perceived risk yang memiliki pengaruh negatif terhadap niat penggunaan BMPS. Sebaliknya, effort expectancy, social influence, dan facilitating conditions tidak menunjukkan pengaruh signifikan, dengan social influence menunjukkan pengaruh negatif yang signifikan, mengindikasikan bahwa faktor sosial tidak berperan penting dalam mendorong penggunaan BMPS pada OVO. Penelitian ini juga menunjukkan bahwa meskipun faktor facilitating conditions memiliki pengaruh yang diharapkan, pengaruhnya tidak cukup kuat untuk mempengaruhi keputusan adopsi teknologi ini. Penelitian ini memberikan wawasan mengenai faktor-faktor yang mendorong penggunaan BMPS pada OVO di kalangan Generasi Z dan menyarankan penelitian lebih lanjut. Saran praktis diberikan kepada OVO, pemerintah, dan penyedia layanan teknologi untuk memperkuat aspek keamanan dan kemudahan penggunaan dalam mempromosikan teknologi pembayaran biometrik ini, serta meningkatkan infrastruktur digital dan proteksi data pribadi untuk mendorong adopsi yang lebih luas.

Keywords


Biometric Payment, Generation Z, Mobile Payment, Risk, Trust, UTAUT2, Use Behavior

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DOI: https://doi.org/10.17509/ijdb.v5i4.96664

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