Analisis Faktor-Faktor yang Mempengaruhi Penggunaan Cashless Mobile Payment pada Generasi Milenial di Kota Batam

Marini, Denny (2020) Analisis Faktor-Faktor yang Mempengaruhi Penggunaan Cashless Mobile Payment pada Generasi Milenial di Kota Batam. Undergraduate thesis, Universitas Internasional Batam.

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Abstract

Tujuan dijalankannya penelitian berikut ini yaitu supaya mengetahui faktor atau pengaruh yang menyebabkan penggunaan cashless mobile payment pada generasi milenial di Kota Batam. Media transaksi pembayaran mengalami perkembangan yang sangat pesat dan terus berkembang ke pembayaran berbasis non-tunai (cashless). Banyaknya media pembayaran berbasis elektronik yang disediakan diharapkan dapat menciptakan transaksi pembayaran yang praktis, efisien, aman, dan mendorong terciptanya Less Cash Society (LCS). Jika membandingkan Indonesia dengan negara-negara anggota ASEAN lainnya, tingkat penggunaan pembayaran berbasis elektronik di masyarakat bisa dikatakan rendah. Generasi Y atau generasi milenial (15 sampai 39 tahun) di tahun 2017 yang menunjukkan angka 40,29% atau sebanyak 105.520.300 orang dari jumlah penduduk Indonesia (261.890.900 orang), dianggap berpotensi untuk meningkatkan penggunaan pembayaran berbasis elektronik dan mendorong kesadaran masyarakat Indonesia menuju Less Cash Society (LCS). Intention to use cashless mobile payment dijadikan sebagai variabel dependen dengan variabel attitude, behavioral beliefs, financial cost, security, dan social influence yang berperan sebagai variabel independen dalam penelitian. Penentuan objek penelitian melalui metode purposive sampling yaitu generasi milenial (15 sampai dengan 39 tahun) di Kota Batam. Pengumpulan data penelitian melalui metode kuesioner yaitu electronic and online questionnaires dengan data yang terkumpul sebanyak 230. Analisis data penelitian melalui analisis regresi berganda (multiple regression analysis) dengan memanfaatkan perangkat lunak Statistical Package for The Social Sciences (SPSS) versi 21,0. Hasil yang diperoleh mengindikasikan variabel attitude, security, dan social influence menimbulkan pengaruh signifikan positif terhadap intention to use cashless mobile payment. Sedangkan variabel behavioral beliefs dan financial cost tidak menimbulkan pengaruh secara signifikan terhadap intention to use cashless mobile payment. Kesimpulannya yaitu asumsi H1, H4, dan H5 dapat diterima sedangkan asumsi H2 dan H3 ditolak dalam penelitian ini. ********************************************************************** The purpose of this research is to find out the factors or influences that cause usage of cashless mobile payments in millennials of Batam. The media of payment transactions has developed rapidly and is leaning more and more towards a non-cash (cashless) base. The number of electronic-based payment media provided is hoped to create payment transactions that are practical, efficient, secure and encourage the creation of a Less Cash Society (LCS). If one were to compare Indonesia to other ASEAN countries, the level of electronic-based payments usage in the community can be said to be low. Generation Y or Millennial generation (15 to 39 years) in 2017 shows a figure of 40.29% or as many as 105,520,300 individuals from Indonesia’s population of 261,890,900 is considered to have the potential to increase the use of electronic based- payments and encourage public awareness towards LCS. Intention to use cashless mobile payment is made as the dependent variable. Attitude, behavorial beliefs, financial cost, security and social influence act as independent variables of this study. Determination of the object of research is done by a purposive sampling method that is millennial generation (15 to 39 years) in Batam. Collection of research data is based on questionnaire methods namely electronic and online questionnaires with 230 data collected. Research data is analyzed through multiple regression analysis using multiple Statistical Packages for the Social Sciences (SPSS) version 21.0. The results obtained indicate that the attitude, security and social influence variables have a significant positive effect on intention to use cashless mobile payment while behavorial beliefs and financial cost variables do not significantly influence the intention to use cashless mobile payment. The conclusion that can be drawn is that the assumptions H1, H4 and H5 are acceptable while H2 and H3 are rejected in this study.

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