Technology Acceptance Model Approach: An Analysis of Mobile Information System: Case Study in Village Credit Institution Bali
1Ni Kadek Ida Isha Pahlawan, 2Gerianta Wirawan Yasa, 3Dodik Ariyanto
1,2,3Faculty of Economics and Business, Udayana University, Bali, Indonesia
https://doi.org/10.47191/jefms/v7-i3-07ABSTRACT:
This study aims to test and obtain empirical evidence related to the analysis of acceptance of the LPD Mobile information system by proposing a Technology Acceptance Model model that is extended with the variables perceived risk and perceived trust. This research was conducted at Village Credit Institutions (in Bali called Lembaga Perkreditan Desa/LPD) at Bali Province that have used LPD Mobile totaling 106 LPDs with 384 customers as research respondents. This type of research is quantitative research using primary data collected through survey methods with questionnaire techniques. Sample determination using purposive sampling method and data analysis techniques using SEM-PLS. The results showed that perceived ease of use has a positive effect on perceived usefulness, and perceived usefulness, perceived ease of use, and perceived trust have a positive effect on behavioral intention, and perceived risk has no effect on behavioral intention.
KEYWORDS:
TAM, LPD Mobile, perceived risk, perceived trust
REFERENCES:
1) Afritami, W. F. (2019). Analisis Faktor yang Mempengaruhi Perilaku Pembelian Online dan Pasca-Online Mahasiswa di Yogyakarta Pada Aplikasi Belanja Online Shopee. 1–16. https://dspace.uii.ac.id/bitstream/handle/123456789/15307/08 naskah publikasi.pdf?sequence=11&isAllowed=y
2) Ajzen, I. (1985). From Intentions to Actions: A Theory of Planned Behaviour. From Cognition to Behaviour (pp. 11–39): Actionocontrol.
3) Andreana, M. O. C., & Wirajaya, I. G. A. (2018). Pengaruh Transparancy, Accountability, Responsibility, Independency, dan Fairness Pada Kinerja Keuangan Lembaga Perkreditan Desa. E-Jurnal Akuntansi, 23, 1305. https://doi.org/10.24843/eja.2018.v23.i02.p19
4) Azmi, A. C., & Aziz, N. F. (2015). Trust , Justice and The Continued Use of e-filing. 11(3), 207–222.
5) Baabdullah, A. M., Alalwan, A. A., Rana, N. P., Kizgin, H., & Patil, P. (2019). Consumer Use of Mobile Banking ( M-Banking ) in Saudi Arabia: Towards an Integrated Model. International Journal of Information Management, 44(July 2018), 38–52. https://doi.org/10.1016/j.ijinfomgt.2018.09.002
6) Baabdullah, A. M., Alalwan, A. A., Rana, N. P., Patil, P., & Dwivedi, Y. K. (2019). An Integrated Model for m-banking Adoption in Saudi Arabia. International Journal of Bank Marketing, 37(2), 452–478. https://doi.org/10.1108/IJBM-07-2018-0183
7) Bali Tribune. 2023. Mantan Ketua Lembaga Pengkreditan Desa Tulikup Kelod Dilaporkan ke Polda Bali, Diduga Gelapkan Uang Nasabah Rp5,2 Miliar. Diakses melalui: https://balitribune.co.id/content/mantan-ketua-lpd-tulikup-kelod-dilaporkan-ke-polda-bali-diduga-gelapkan-uang-nasabah-rp52.
8) Bastari, A., Eliyana, A., Syabarrudin, A., Arief, Z., & Emur, A. P. (2020). Digitalization in Banking Sector: The Role of Intrinsic Motivation. Heliyon, 6(12). https://doi.org/10.1016/j.heliyon.2020.e05801
9) Bauer, R. A. (1960). Consumer behavior as risk taking. In Proceedings of the 43rd National Conference of the American Marketing Assocation, June 15, 16, 17, Chicago, Illinois, 1960. American Marketing Association.
10) Chaouali, W., Ben, I., Charfeddine, L., & Triki, A. (2016). Understanding Citizens ’ Adoption of e- filing in Developing Countries: An Empirical Investigation. Journal of High Technology Management Research. https://doi.org/10.1016/j.hitech.2016.10.006
11) Dabrynin, H., & Zhang, J. (2019). The Investigation of the Online Customer Experience and Perceived Risk on Purchase Intention in China. 13(2003), 16–30.
12) Daragmeh, A., Sagi, J., & Zeman, Z. (2021). Continuous Intention to Use E-Wallet in the Context of the COVID-19 Pandemic: Integrating the Health Belief Model (HBM) and Technology Continuous Theory (TCT). Journal of Open Innovation: Technology, Market, and Complexity, 7(132), 1–23.
13) Davis, F. D. (1989). Perceived Usefulness, Perceived Ease of Use, and User Acceptance of Information Technology. MIS Quarterly, 13(3), 319–340. https://doi.org/10.5962/bhl.title.33621
14) Davis, F. D., Bagozzi, R. P., & Warshaw, P. R. (1989). User Acceptance of Computer Technology: A Comparison of Two Theoretical Models. Management Science, 35(8), 982–1003. https://doi.org/10.1287/mnsc.35.8.982
15) Denpost. id. (2022). Desa Adat Blahkiuh Kembangkan Layanan Lembaga Pengkreditan Desa Mobile. Diakses melalui: https://www.denpost.id/news/2022/01/30/645684/desa-adat-blahkiuh-kembangkan-layanan-lpd-mobile.html (Pada tanggal 26 Juli 2023).
16) Dulloo, R., Mokashi, J., & Puri, M. M. (2014). Exploring Technology Acceptance Theories and Models - A Comparative Analysis. MIT-SOM PGRC KJIMRP 1st International Conference, 308–317.
17) Febriyani, K., & Suprajitno, D. (2020). Analisis Pengaruh Technology Acceptance Model (TAM) Pada Penggunaan Sistem Keuangan Desa (Studi Pada Pengelola Dana Desa di Kecamatan Sruweng). Jurnal Ilmiah Mahasiswa Manajemen, Bisnis Dan Akuntansi (JIMMBA), 2(4), 515–528. https://doi.org/10.32639/jimmba.v2i4.625
18) Ghozali, I., & Latan, H. (2015). Konsep, Teknik, Aplikasi Menggunakan Smart PLS 3.0 Untuk Penelitian Empiris. BP Undip. Semarang.
19) Gubernur Bali. Peraturan Daerah Provinsi Bali Nomor 3 Tahun 2017 Tentang Lembaga Perkreditan Desa. (2017). Provinsi Bali
20) Hair, J. F., Risher, J. J., Sarstedt, M., & Ringle, C. M. (2019). When to Use and How to Report The Results of PLS-SEM. European Business Review, 31(1), 2–24. https://doi.org/10.1108/EBR-11-2018-0203
21) Hansen, J. M., Saridakis, G., & Benson, V. (2017). Risk, Trust, and the Interaction of Perceived Ease of Use and Behavioral Control in Predicting Consumers’ Use of Social Media for Transactions. Computers in Human Behavior, 80, 197–206. https://doi.org/10.1016/j.chb.2017.11.010
22) Henseler, J., Fassott, G., Dijkstra, T. K., & Wilson, B. (2012). Analysing Quadratic Effects of Formative Constructs by Means of Variance-Based Structural Equation Modelling. European Journal of Information Systems, 21, 99–112.
23) Hu, L., & Bentler, P. M. (1998). Fit Indices in Covariance Structure Modeling: Sensitivity to Underparameterized Model Misspecification. Psychological Methods, 3(4), 424–453.
24) Hu, Z., Ding, S., Li, S., Chen, L., & Yang, S. (2019). Adoption Intention of Fintech Services for Bank Users: An Empirical Examination with an Extended Technology Acceptance Model. Symmetry, 11(3). https://doi.org/10.3390/sym11030340
25) Iswasto, Rolly. (2018). Metode Penelitian (Pilot Study). Diakses melalui: https://www.slideshare.net/rollyiswantoibrahimz/metode-penelitian-pilot-study (Pada tanggal 26 Juli 2023).
26) Joan, L., & Sitinjak, T. (2019). Pengaruh Persepsi Kebermanfaatan dan Persepsi Kemudahan Penggunaan Terhadap Minat Penggunaan Layanan Pembayaran Digital Go-Pay. Jurnal Manajemen, 8(2), 27–39.
27) Juliastini, N. G. A. P., & Dewi, N. A. W. T. (2021). Pengaruh Persepsi Kebermanfaatan, Persepsi Biaya, Kredibilitas dan Kemudahan Penggunaan Terhadap Minat Menggunakan Lembaga Pengkreditan Desa Mobile Pada Nasabah Lembaga Pengkreditan Desa Desa Adat Sibetan. 10(02), 178–185.
28) Kalinic, Z., Marinkovic, V., Molinillo, S., & Liébana-Cabanillas, F. (2019). A Multi-Analytical Approach to Peer-to-Peer Mobile Payment Acceptance Prediction. Journal of Retailing and Consumer Services, 49(March), 143–153. https://doi.org/10.1016/j.jretconser.2019.03.016
29) Kamal, S. A., Shafiq, M., & Kakria, P. (2020). Investigating Acceptance of Telemedicine Services Through an Extended Technology Acceptance Model (TAM). Technology in Society, 60(September 2019), 101212. https://doi.org/10.1016/j.techsoc.2019.101212
30) Kamble, S., Gunasekaran, A., & Arha, H. (2018). Understanding the Blockchain Technology Adoption in Supply Chains-Indian Context. International Journal of Production Research, 57(7), 2009–2033. https://doi.org/10.1080/00207543.2018.1518610
31) Maharany, A. M., Saidani, B., & Fidhyallah, N. F. (2021). Pengaruh Kepuasan dan Manfaat yang dirasakan Terhadap Minat Beli Ulang pada E-Commerce Marketplace X di Indonesia. Jurnal Bisnis, Manajemen, Dan Keuangan, 2(2), 401–416.
32) Martono, S. (2021). Analisis Faktor-Faktor yang Mempengaruhi Minat Menggunakan Fintech Lending. Jurnal Ekonomi Bisnis Dan Kewirausahaan, 10(3), 246–262. https://doi.org/10.26418/jebik.v10i3.45827
33) Mital, M., Chang, V., Choudhary, P., Papa, A., & Pani, A. K. (2017). Adoption of Internet of Things in India: A Test of Competing Models Using a Structured Equation Modeling Approach. Technological Forecasting and Social Change, 136, 339–346. https://doi.org/10.1016/j.techfore.2017.03.001
34) Mulyanto, A., Sumarsono, S., Niyartama, T. F., & Syaka, A. K. (2020). Penerapan Technology Acceptance Model (TAM) dalam Pengujian Model Penerimaan Aplikasi MasjidLink. Semesta Teknika, 23(1), 27–38. https://doi.org/10.18196/st.231253
35) Mutahar, A. M., Daud, N. M., Ramayah, T., Isaac, O., & Aldholay, A. H. (2018). The Effect of Awareness and Perceived Risk on The Technology Acceptance Model (TAM): Mobile Banking in Yemen. International Journal of Services and Standards, 12(2), 180–204. https://doi.org/10.1504/IJSS.2018.091840
36) Oktania, D. E., & Indarwati, T. A. (2022). Pengaruh Perceived Usefulness, Percieved Ease of Use dan Compatibility with Lifestyle Terhadap Niat Beli di Social Commerce. Jurnal Ilmu Manajemen, 10, 255–267.
37) Pramiswari, N. L. P. A. L., Gayatri, Suartana, I. W., & Sujana, I. K. (2022). The Interest of Village Credit Institution Customers to Use the Lembaga Pengkreditan Desa Mobile Application with Trust as a Moderating Variable. 6(3), 357–363.
38) Rahmatika, U., & Fajar, M. A. (2019). Faktor - Faktor Yang Mempengaruhi Minat Penggunaan Electronic Money: Integrasi Model TAM – TPB dengan Perceived Risk. Nominal: Barometer Riset Akuntansi Dan Manajemen, 8(2), 274–284. https://doi.org/10.21831/nominal.v8i2.26557
39) Ram, S. (1989). Successful Innovation Using Strategies to Reduce Consumer Resistance. An empirical test. The Journal of Product Innovation Management, 6(1), 20–34. https://doi.org/10.1016/0737-6782(89)90011-8
40) Sani, P. J., & Sulfan, S. (2022). Perilaku Kepatuhan Wajib Pajak Orang Pribadi Pekerjaan Bebas Di Kota Denpasar. Jurnal Pajak Dan Keuangan Negara (PKN), 3(2), 294–304. https://doi.org/10.31092/jpkn.v3i2.1520
41) Sankaran, R., & Chakraborty, S. (2022). Factors Impacting Mobile Banking in India: Empirical Approach Extending UTAUT2 with Perceived Value and Trust. IIM Kozhikode Society & Management Review, 11(1), 7–24. https://doi.org/10.1177/2277975220975219
42) Santioso, L., Daryatno, A. B., & Aristha, A. J. (2018). Analisis Persepsi Kegunaan, Persepsi Kemudahan, Kesiapan Teknologi Informasi, Keamanan dan Kerahasiaan Terhadap Minat Perilaku Penggunaan E-Filing. Jurnal Akuntansi, 18(2), 247–268.
43) Sharma, S. K. (2017). Integrating Cognitive Antecedents into TAM to Explain Mobile Banking Behavioral Intention: A SEM-Neural Network Modeling. Information Systems Frontiers, 21(4), 815–827. https://doi.org/10.1007/s10796-017-9775-x
44) Shintia, I. R., & Riduwan, A. (2021). Pengaruh Sistem Informasi Akuntansi, Motivasi Kerja, dan Pemanfaatan Teknologi Informasi Terhadap Kinerja Karyawan. Jurnal Ilmu Dan Riset Akuntansi, 10(3), 2–17.
45) Sholahuddin. (2017). Pengaruh Karakteristik Inovasi Terhadap Niat Mengadopsi Solopos Epaper. In Program Studi Magister Manajemen Sekolah Pasca Sarjana Universitas Muhammadiyah Surakarta. https://www.apjii.or.id/content/read/39/264/Survei-Internet-APJII-2016
46) Soares, A. M., Pinho, J. C., & Nobre, H. (2012). From Social to Marketing Interactions: The Role of Social Networks. Journal of Transnational Management, 17(1), 45–62. https://doi.org/10.1080/15475778.2012.650085
47) Suartana, I Wayan. (2017). Bunga Rampai. Strategi Pemberdayaan UMKM Bali (Lembaga Pengkreditan Desa, BUMDES dan Ekonomi Bali Berkelanjutan). Denpasar: Udayana University Press.
48) Suartana, I Wayan & Jati, I Ketut. (2014). Laporan Akhir. Penelitian Hibah Bersaing. Pengelolaan Risiko Berkelanjutan Berbasis Budaya Pada Lembaga Perkreditan Desa (Lembaga Pengkreditan Desa) di Provinsi Bali. Denpasar: Fakultas Ekonomi Universitas Udayana.
49) Suhartanto, D., Dean, D., Ismail, T. A. T., & Sundari, R. (2019). Mobile Banking Adoption in Islamic Banks: Integrating TAM Model and Religiosity-Intention Model. Journal of Islamic Marketing, 11(6), 1405–1418. https://doi.org/10.1108/JIMA-05-2019-0096
50) Tiwari, P., Tiwari, S. K., & Gupta, A. (2021). Examining the Impact of Customers’ Awareness, Risk and Trust in M-Banking Adoption. FIIB Business Review, 10(4), 413–423. https://doi.org/10.1177/23197145211019924
51) Trisnayanti, N. K. I., & Ariyanto, D. (2022). Analisis Faktor-Faktor yang Memengaruhi Minat Berperilaku dalam Penggunaan Sistem Informasi Akuntansi pada Kinerja Karyawan. E-Jurnal Akuntansi, 32(5), 1158. https://doi.org/10.24843/eja.2022.v32.i05.p04
52) Utama, Y. T. (2008). Analisis Faktor-faktor yang Mempengaruhi Innovation Resistance Pada Penggunaan Layanan Mobile Banking (Studi Kasus: Nasabah Bank Central Asia). Tesis. Program Studi Magister Manajemen. Fakultas Ekonomi. Universitas Indonesia.
53) Verkijika, S. F. (2018). Factors Influencing The Adoption of Mobile Commerce Applications in Cameroon. Telematics and Informatics, 35(6), 1665–1674. https://doi.org/10.1016/j.tele.2018.04.012
54) Wang, S., Wang, J., Li, J., Wang, J., & Liang, L. (2018). Policy Implications for Promoting The Adoption of Electric Vehicles: Do Consumer’s Knowledge, Perceived Risk and Financial Incentive Policy Matter? Transportation Research Part A: Policy and Practice, 117(January), 58–69. https://doi.org/10.1016/j.tra.2018.08.014
55) Wang, Y., Wang, S., Wang, J., Wei, J., & Wang, C. (2018). An Empirical Study of Consumers’ Intention to Use Ride-Sharing Services: Using an Extended Technology Acceptance Model. Transportation, 47(1), 397–415. https://doi.org/10.1007/s11116-018-9893-4
56) Zhonggen, Y., & Xiaozhi, Y. (2019). An Extended Technology Acceptance Model of a Mobile Learning Technology. Computer Applications in Engineering Education, 27(3), 721–732. https://doi.org/10.1002/cae.22111
