Analisis penggunaan aplikasi uang elektronik dengan unified theory of acceptance and use of technology 2

The rapid development of technology has affected the financial technology sector in Indonesia. According to Fintech Report Dailysocialid survey agency showed there were 140 companies that had begun to implement financial technology-based systems in 2016 and had increased in 2017 to 196 companies. Data from the Indonesian Financial Technology Association (IFA) and OJK showed that the largest percentage in financial technology was in the payment sector. However, the Central Jakarta survey data in 2017 shows that the cash payment method is still the main choice of consumers, namely 77% in making payments. Most cash payment methods are chosen because they are considered more measurable, accepted everywhere and practically. This study uses UTAUT2 which is a model that identifies technology acceptance and use for consumers in this case is electronic money. Variables in this study include performance expectancy, effort expectancy, social influence and facilitating conditions, hedonic motivation, habit and price value and bank indonesia regulation. This research took place in Jakarta, Bogor, Depok, Tangerang and Bekasi. Writing answers based on Likert scale is used to process data with Structural Equation Modeling (SEM). The population in this study is millennial generation aged 18-36 years in Jabodetabek with the criteria of respondents as samples in this study, namely users of online transactions In this study there were seven fit models and two of them approached the boundaries of model fit, namely the Root Mean Square Error of Approximation (RMSEA) and the Normed Fit Index (NFI). The closer RMSEA is to 0, the better it is, besides that the usual RMSEA value is 0.9 is considered suitable, if NFI> 0.8 is acceptable. In addition, the RMSEA value which ranges between 0.08-0.10 is stated to indicate a match that is not good or bad. The results of research on the use of financial technology in Jabodetabek, the most significant online transaction used is transportation services of 37.29%. As many as 95% knew about the financial technology industry and from 96.33% as much as 67.72% got information about financial technology from the internet. The intensity of the use of electronic money apllication in this study shows that 56.84% use electronic money apllication less than ten times (<10), 29.82% use 10-20 times and 13.33% use more than 20 times in one month. The most frequently used financial technology product is Go-Pay with a percentage of 63.16% and the most dominant reason for using electronic money apllication is practically 26.67%. The nominal top up balance that is most often done is