PENGARUH ATTITUDE, SUBJECTIVE NORMS, PERCEIVED BEHAVIORAL CONTROL, PERCEIVED USEFULNESS, PERCEIVED EASE OF USE, DAN SUBSIDY TERHADAP MINAT PENGGUNAAN FINANCIAL TECHNOLOGY PADA E-COMMERCE

Abstract

Abstrak

Penelitian yang dilakukan ditujukan untuk menguji pengaruh attitude (A), subjective norms (SN), perceived behavioral control (PBC), perceived usefulness (PU), perceived ease of use (PEU), dan subsidy (S) terhadap minat penggunaan financial technology pada e-commerce. Adapun penelitian dilakukan di UPN “Veteran†Jawa Timur Program Studi Akuntansi Angkatan 2017. Metode survey digunakan pada penelitian ini dengan membagikan sejumlah kuesioner berisi beberapa pernyataan kepada mahasiswa program studi akuntansi angkatan 2017 UPN “Veteran†Jawa Timur yang menggunakan financial technology pada aplikasi e-commerce. Populasi pada penelitian yaitu 282 mahasiswa akuntansi angkatan 2017 UPN “Veteran†Jawa Timur. Sedangkan, sampel yang ditentukan pada penelitian dipilih sebanyak 100 responden. Penelitian menggunakan teknik analisis regresi linier berganda yang diolah menggunakan program SPSS 22 for windows. Pengujian yang dilakukan antara lain uji validitas & reliabilitas, uji R2, uji normalitas, uji asumsi klasik (uji multikolinieritas, uji heteroskedastisitas), uji F, uji t.  Hasil dari penelitian menunjukkan jika attitude (A), subjective norms (SN), perceived behavioral control (PBC), perceived usefulness (PU), perceived ease of use (PEU), dan subsidy (S) berpengaruh signifikan terhadap minat penggunaan financial technology pada e-commerce.

Kata Kunci: Fintech, E-Commerce, TPB-TAM, Subsidy

Abstract

The research aims to test the effect of attitude (A), subjective norms (SN), perceived behavioral control (PBC), perceived usefulness (PU), perceived ease of use (PEU), and subsidy (S) on the behavioral intention to use financial technology in e-commerce application. This research was conducted at UPN “Veteran†Jawa Timur Accounting Students 2017. The survey method is used by providing a number of questionnaires to the accouunting students 2017 UPN “Veteran†Jawa Timur who used e-commerce application. The population in this study was 282 accounting students 2017 UPN "Veteran" Jawa Timur. Meanwhile, the sample specified in the study was selected as many as 100 respondents. The research using multiple linier regression analysis techniques with the SPSS 22 for windows program. The tests include validity & reliablity test, R2 test, normality test, multicollinearity test, heteroscedasticity test, F test and t test. The results of this research indicate that attitude (A), subjective norms (SN), perceived behavioral control (PBC), perceived usefulness (PU), perceived ease of use (PEU), and subsidy (S) had a significant effect on the behavioral intention to use financial technology in e-commerce.

Keywords: Fintech, E-Commerce, TPB-TAM, Subsidy