Pengaruh Technostress dalam Penggunaan E-Wallet Fintech Intention oleh Gen Z di Kota Batam
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Published:
Jan 8, 2023
Keywords:
Fintech, E-Wallet, Gen Z, Fintech Intention.
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Abstract
Salah satu bentuk produk fintech adalah E-Wallet yang merupakan media virtual untuk pembayaran dan penyimpanan uang. Gen Z merupakan salah satu generasi yang paling banyak menggunakan teknologi, termasuk penggunaan E-Wallet dalam kehidupan sehari-hari. Keberadaan technostress dalam inovasi teknologi terkadang berdampak negatif terhadap penggunaan fintech. Maka, dilakukan penelitian pada komunitas Gen Z di Batam untuk mengukur faktor-faktor yang mempengaruhi niat menggunakan fintech seperti E-Wallet dalam kehidupan sehari-hari. Penelitian ini menggunakan metode partial least square yang mengolah data kuesioner untuk menguji validitas dan hasil penelitian. Di mana ditemukan bahwa complexity dan invasion memiliki efek negatif pada niat. Sementara itu, overload dan uncertainty memiliki efek sebaliknya.
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How to Cite
Hesniati, H., Candy, C., Erick, E., Lee, A. ., Lukito, I. ., & Kelvin, K. (2023). Pengaruh Technostress dalam Penggunaan E-Wallet Fintech Intention oleh Gen Z di Kota Batam. Economics and Digital Business Review, 4(1), 349–361. https://doi.org/10.37531/ecotal.v4i1.353
References
Aisyah, F., Ramli, A., & Hamzah, M. I. (2021). Mobile payment and e-wallet adoption in emerging economies : A systematic literature review. 9(2), 1–39. https://doi.org/10.24191/jeeir.v9i2.13617
Al, M. K. (2020). FinTech in COVID-19 and Beyond : What Factors Are A ff ecting Customers ’ Choice of FinTech Applications ?
Alkhwaldi, A. F., Alharasis, E. E., Shehadeh, M., Abu-alsondos, I. A., Oudat, M. S., Ahmad, A., & Atta, B. (2022). Towards an Understanding of FinTech Users ’ Adoption : Intention and e-Loyalty Post-COVID-19 from a Developing Country Perspective. 1–23.
Bechtel, R. B., & Churchman, A. (n.d.). HANDBOOK OF ENVIRONMENTAL PSYCHOLOGY.
Bharadwaj, S., & Deka, S. (2021). Behavioural intention towards investment in cryptocurrency : an integration of Rogers ’ diffusion of innovation theory and the technology acceptance model. 9(4). https://doi.org/10.23762/FSO
Chen, J. V., Tran, A., & Nguyen, T. (2019). Computers in Human Behavior Understanding the discontinuance behavior of mobile shoppers as a consequence of technostress : An application of the stress-coping theory. Computers in Human Behavior, 95(January), 83–93. https://doi.org/10.1016/j.chb.2019.01.022
Fadli, M. R. (2021). Memahami desain metode penelitian kualitatif. 21(1), 33–54. https://doi.org/10.21831/hum.v21i1.
Farah, N., Zainun, H., Johari, J., & Adnan, Z. (2019). Technostress and Commitment to Change : The Moderating Role of Internal Communication Technostress and Commitment to Change : The Moderating Role of Internal. International Journal of Public Administration, 00(00), 1–13. https://doi.org/10.1080/01900692.2019.1672180
Farmania, A., & Elsyah, R. D. (2022). The Phenomenon of Technostress during the COVID-19 Pandemic Due to Work from Home in Indonesia. 1–21.
Fintech, A. (2019). Global FinTech Adoption Index.
Gerlach, J. M., & Lutz, J. K. T. (2019). EVIDENCE ON USAGE BEHAVIOR AND FUTURE ADOPTION INTENTION OF FINTECHS AND DIGITAL. 13(2), 83–105.
Güğerçin, U. (2019). Does techno-stress justify cyberslacking ? An empirical study based on the neutralisation theory. Behaviour & Information Technology, 0(0), 1–13. https://doi.org/10.1080/0144929X.2019.1617350
Hair Jr., J., Page, M., & Brunsveld, N. (2019). Essentials of Business Research Methods (4thd ed.). Routledge. https://doi.org/10.4324/9780429203374
Harahap, L. K., & Pd, M. (2016). Analisis SEM ( Structural Equation Modelling ) Dengan SMARTPLS ( Partial Least Square ) Oleh : 1.
Indonesia, F. (2016). Profil AFTECH. Fintech.Id. https://fintech.id/id
Jiwasiddi, A., Adhikara, C., & Triana, I. (2019). Attitude toward using Fintech among Millennials Attitude toward using Fintech among Millennials. January. https://doi.org/10.4108/eai.26-1-2019.2283199
Lee, Y. (2021). Impacts of Digital Technostress and Digital Technology Self-Efficacy on Fintech Usage Intention of Chinese Gen Z Consumers.
Lou, A. T. F., & Li, E. Y. (2017). Integrating Innovation Diffusion Theory and the Technology Acceptance Model : The adoption of blockchain technology from business managers ’ perspective.
Mustafa, M. A., & Ahmad, N. B. (2022). THE ADOPTION OF E-WALLET BY GENERATION Z IN KUALA. 7(2), 51–67.
Prabawa, F. G. (2018). Sinergi Fintech dan Bank Kunci Hadapi Revolusi Industri 4.0. Jamkrida. https://www.jamkrida-jakarta.co.id/2018/12/05/sinergi-fintech-dan-bank-kunci-hadapi-revolusi-industri-4-0/
Pranatawijaya, V. H., & Priskila, R. (2019). Pengembangan Aplikasi Kuesioner Survey Berbasis Web Menggunakan Skala Likert dan Guttman. 5(November), 128–137. https://doi.org/10.34128/jsi.v5i2.185
Qurniawati, R. S., & Nurohman, Y. A. (2020). UNDERSTANDING HALAL FOOD SMES ’ BEHAVIOR INTENTION TOWARDS E - MONEY. 5(2), 113–124.
Ryu, H., & Ko, K. S. (2020). Sustainable Development of Fintech : Focused on Uncertainty and Perceived Quality Issues.
Salanova, M., Llorens, S., Cifre, E., Salanova, M., Llorens, S., & Cifre, E. (2013). technologies technologies. July, 37–41. https://doi.org/10.1080/00207594.2012.680460
Setiawan, B. M., Putrawan, I. M., Murni, S., & Ghozali, I. (2016). Effect of organizational structure, leadership and trust on job performance of employee: A case study on employee at Universitas Ternama. International Review of Management and Marketing, 6(4), 711-712.
Shu, Q., Tu, Q., & Wang, K. (2011). International Journal of Human- The Impact of Computer Self-Efficacy and Technology Dependence on Computer-Related Technostress : A Social Cognitive Theory Perspective. February 2015, 37–41. https://doi.org/10.1080/10447318.2011.555313
Singh, M. (n.d.). How Long Tail and Trust Affect Online Shopping Behavior : An Extension to UTAUT2 Framework. 9(4), 1–23. https://doi.org/10.17705/1pais.09401
Sulistiyo, H., & Ghozali, I. (2017). The role of religious control in dysfunctional audit behavior: An empirical study of auditors of public accounting firm in Indonesia. Journal of Applied Business Research (JABR), 33(5), 1047-1058.
Systems, B. (2020). Fintech in the eyes of Millennials and Generation Z ( the financial behavior and Fintech perception ). 15(3), 20–28.
Tarafdar, M., & Pullins, E. B. (2014). Technostress : negative effect on performance and possible mitigations. https://doi.org/10.1111/isj.12042
Verihubs. (2022). Kenali Jenis-Jenis Dompet Digital yang Populer di Indonesia. Verihubs.Com.
Voon, L. Q., James, J., Selvarajah, S., Muhammad, R., & Mohar, S. (n.d.). Factors Influencing Consumer Behavior : Intention Purchasing via Mobile Applications in Malaysia. 18(1), 43–51.
Xie, J., Ye, L., Huang, W., & Ye, M. (2021). Understanding FinTech Platform Adoption : Impacts of Perceived Value and Perceived Risk. 1893–1911.
Yang, H., & Lin, R. (2015). The impacts of solomo services technostress on anxiety. 186–200.
Yaokumah, W. (2018). Demographic Influences on E-Payment Services. January. https://doi.org/10.4018/IJEBR.2017010103
Yoon, C., Lim, D., Yoon, C., & Lim, D. (2020). Cogent Business & Management An empirical study on factors affecting customers ’ acceptance of internet-only banks in Korea An empirical study on factors affecting customers ’ acceptance of internet-only banks in Korea. Cogent Business & Management, 7(1). https://doi.org/10.1080/23311975.2020.1792259
Article Sidebar
Main Article Content
Abstract
Salah satu bentuk produk fintech adalah E-Wallet yang merupakan media virtual untuk pembayaran dan penyimpanan uang. Gen Z merupakan salah satu generasi yang paling banyak menggunakan teknologi, termasuk penggunaan E-Wallet dalam kehidupan sehari-hari. Keberadaan technostress dalam inovasi teknologi terkadang berdampak negatif terhadap penggunaan fintech. Maka, dilakukan penelitian pada komunitas Gen Z di Batam untuk mengukur faktor-faktor yang mempengaruhi niat menggunakan fintech seperti E-Wallet dalam kehidupan sehari-hari. Penelitian ini menggunakan metode partial least square yang mengolah data kuesioner untuk menguji validitas dan hasil penelitian. Di mana ditemukan bahwa complexity dan invasion memiliki efek negatif pada niat. Sementara itu, overload dan uncertainty memiliki efek sebaliknya.
Downloads
Article Details
References
Aisyah, F., Ramli, A., & Hamzah, M. I. (2021). Mobile payment and e-wallet adoption in emerging economies : A systematic literature review. 9(2), 1–39. https://doi.org/10.24191/jeeir.v9i2.13617
Al, M. K. (2020). FinTech in COVID-19 and Beyond : What Factors Are A ff ecting Customers ’ Choice of FinTech Applications ?
Alkhwaldi, A. F., Alharasis, E. E., Shehadeh, M., Abu-alsondos, I. A., Oudat, M. S., Ahmad, A., & Atta, B. (2022). Towards an Understanding of FinTech Users ’ Adoption : Intention and e-Loyalty Post-COVID-19 from a Developing Country Perspective. 1–23.
Bechtel, R. B., & Churchman, A. (n.d.). HANDBOOK OF ENVIRONMENTAL PSYCHOLOGY.
Bharadwaj, S., & Deka, S. (2021). Behavioural intention towards investment in cryptocurrency : an integration of Rogers ’ diffusion of innovation theory and the technology acceptance model. 9(4). https://doi.org/10.23762/FSO
Chen, J. V., Tran, A., & Nguyen, T. (2019). Computers in Human Behavior Understanding the discontinuance behavior of mobile shoppers as a consequence of technostress : An application of the stress-coping theory. Computers in Human Behavior, 95(January), 83–93. https://doi.org/10.1016/j.chb.2019.01.022
Fadli, M. R. (2021). Memahami desain metode penelitian kualitatif. 21(1), 33–54. https://doi.org/10.21831/hum.v21i1.
Farah, N., Zainun, H., Johari, J., & Adnan, Z. (2019). Technostress and Commitment to Change : The Moderating Role of Internal Communication Technostress and Commitment to Change : The Moderating Role of Internal. International Journal of Public Administration, 00(00), 1–13. https://doi.org/10.1080/01900692.2019.1672180
Farmania, A., & Elsyah, R. D. (2022). The Phenomenon of Technostress during the COVID-19 Pandemic Due to Work from Home in Indonesia. 1–21.
Fintech, A. (2019). Global FinTech Adoption Index.
Gerlach, J. M., & Lutz, J. K. T. (2019). EVIDENCE ON USAGE BEHAVIOR AND FUTURE ADOPTION INTENTION OF FINTECHS AND DIGITAL. 13(2), 83–105.
Güğerçin, U. (2019). Does techno-stress justify cyberslacking ? An empirical study based on the neutralisation theory. Behaviour & Information Technology, 0(0), 1–13. https://doi.org/10.1080/0144929X.2019.1617350
Hair Jr., J., Page, M., & Brunsveld, N. (2019). Essentials of Business Research Methods (4thd ed.). Routledge. https://doi.org/10.4324/9780429203374
Harahap, L. K., & Pd, M. (2016). Analisis SEM ( Structural Equation Modelling ) Dengan SMARTPLS ( Partial Least Square ) Oleh : 1.
Indonesia, F. (2016). Profil AFTECH. Fintech.Id. https://fintech.id/id
Jiwasiddi, A., Adhikara, C., & Triana, I. (2019). Attitude toward using Fintech among Millennials Attitude toward using Fintech among Millennials. January. https://doi.org/10.4108/eai.26-1-2019.2283199
Lee, Y. (2021). Impacts of Digital Technostress and Digital Technology Self-Efficacy on Fintech Usage Intention of Chinese Gen Z Consumers.
Lou, A. T. F., & Li, E. Y. (2017). Integrating Innovation Diffusion Theory and the Technology Acceptance Model : The adoption of blockchain technology from business managers ’ perspective.
Mustafa, M. A., & Ahmad, N. B. (2022). THE ADOPTION OF E-WALLET BY GENERATION Z IN KUALA. 7(2), 51–67.
Prabawa, F. G. (2018). Sinergi Fintech dan Bank Kunci Hadapi Revolusi Industri 4.0. Jamkrida. https://www.jamkrida-jakarta.co.id/2018/12/05/sinergi-fintech-dan-bank-kunci-hadapi-revolusi-industri-4-0/
Pranatawijaya, V. H., & Priskila, R. (2019). Pengembangan Aplikasi Kuesioner Survey Berbasis Web Menggunakan Skala Likert dan Guttman. 5(November), 128–137. https://doi.org/10.34128/jsi.v5i2.185
Qurniawati, R. S., & Nurohman, Y. A. (2020). UNDERSTANDING HALAL FOOD SMES ’ BEHAVIOR INTENTION TOWARDS E - MONEY. 5(2), 113–124.
Ryu, H., & Ko, K. S. (2020). Sustainable Development of Fintech : Focused on Uncertainty and Perceived Quality Issues.
Salanova, M., Llorens, S., Cifre, E., Salanova, M., Llorens, S., & Cifre, E. (2013). technologies technologies. July, 37–41. https://doi.org/10.1080/00207594.2012.680460
Setiawan, B. M., Putrawan, I. M., Murni, S., & Ghozali, I. (2016). Effect of organizational structure, leadership and trust on job performance of employee: A case study on employee at Universitas Ternama. International Review of Management and Marketing, 6(4), 711-712.
Shu, Q., Tu, Q., & Wang, K. (2011). International Journal of Human- The Impact of Computer Self-Efficacy and Technology Dependence on Computer-Related Technostress : A Social Cognitive Theory Perspective. February 2015, 37–41. https://doi.org/10.1080/10447318.2011.555313
Singh, M. (n.d.). How Long Tail and Trust Affect Online Shopping Behavior : An Extension to UTAUT2 Framework. 9(4), 1–23. https://doi.org/10.17705/1pais.09401
Sulistiyo, H., & Ghozali, I. (2017). The role of religious control in dysfunctional audit behavior: An empirical study of auditors of public accounting firm in Indonesia. Journal of Applied Business Research (JABR), 33(5), 1047-1058.
Systems, B. (2020). Fintech in the eyes of Millennials and Generation Z ( the financial behavior and Fintech perception ). 15(3), 20–28.
Tarafdar, M., & Pullins, E. B. (2014). Technostress : negative effect on performance and possible mitigations. https://doi.org/10.1111/isj.12042
Verihubs. (2022). Kenali Jenis-Jenis Dompet Digital yang Populer di Indonesia. Verihubs.Com.
Voon, L. Q., James, J., Selvarajah, S., Muhammad, R., & Mohar, S. (n.d.). Factors Influencing Consumer Behavior : Intention Purchasing via Mobile Applications in Malaysia. 18(1), 43–51.
Xie, J., Ye, L., Huang, W., & Ye, M. (2021). Understanding FinTech Platform Adoption : Impacts of Perceived Value and Perceived Risk. 1893–1911.
Yang, H., & Lin, R. (2015). The impacts of solomo services technostress on anxiety. 186–200.
Yaokumah, W. (2018). Demographic Influences on E-Payment Services. January. https://doi.org/10.4018/IJEBR.2017010103
Yoon, C., Lim, D., Yoon, C., & Lim, D. (2020). Cogent Business & Management An empirical study on factors affecting customers ’ acceptance of internet-only banks in Korea An empirical study on factors affecting customers ’ acceptance of internet-only banks in Korea. Cogent Business & Management, 7(1). https://doi.org/10.1080/23311975.2020.1792259