Analisis Adopsi Penggunaan Sistem Pembayaran Fintech pada Generasi Milenial Menggunakan Teori Difusi Inovasi

Ahmad Rifqi Hidayat

Abstract


Sistem pembayaran online, transfer/pengiriman uang dan e-commerce menjadikan FinTech sebagai kompetitor utama perbankan saat ini yang didukung oleh kesiapan penerimaan dan penggunaan telepon seluler di Indonesia. Pembahasan mengenai adopsi FinTech menjadi hal yang sangat menarik saat ini. Penelitian ini akan menganalisis seberapa besar pengaruh relative advantage, compability, complexity, triability dan observability terhadap keputusan mengadopsi Sistem Pembayaran pada FinTech. Teori Difusi Inovasi digunakan sebagai acuan dalam penelitian ini. Penelitian ini menggunakan metode survei dengan teknik purposive sampling kepada 100 responden milenial yang ada di Indonesia. Teknik analisis regresi berganda dilakukan menggunakan SPSS-24. Hasil penelitian ini menunjukkan bagaimana relative advantage, compatibility, complexity, triability dan observability berpengaruh terhadap keputusan mengadopsi Sistem Pembayaran pada FinTech. Berdasarkan hasil tersebut dapat disimpulkan bahwa sistem pembayaran yang dapat dilakukan secara online dan melalui smartphone membuat generasi melenial akan lebih memilih bertransaksi menggunakan fintech pembayaran dibandingkan menggunakan uang tunai. Dikarenakan banyaknya keuntungan yang didapatkan dengan bertransaksi menggunakan pembayaran digital selain lebih efektif dan efisien.


Keywords


Keputusan adopsi system pembayaran, fintech, generasi milenial

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DOI: https://doi.org/10.32502/jimn.v13i1.6974

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