ANALISIS PENERIMAAN TEKNOLOGI DOMPET DIGITAL PADA UMKM DI KOTA BANDUNG

The industrial revolution 4.0 is influencing today's life, especially the use of smart technology which has made it easier for a variety of human activities, especially in payments using e-wallets. E-wallet is not only developed in well-known stores, but has expanded to MSMEs in Bandung. However, there are still some obstacles to the acceptance of this new technology due to various factors in the community. This study aims to determine how acceptance of Gopay and OVO E-Wallet technology in MSMEs in Bandung uses the Unified Theory of Acceptance and Use of Technology model that has variable performance expectation, effort expectation, social influence, perceived risk, perceived cost and behavioral intention. The method used in this research is descriptive and causality methods with a quantitative approach, and using a hypothesis testing technique that is the T test. The sampling method used was purposive sampling with a total of 100 respondents. Based on the results of data processing using SmartPLS obtained performance expectation, effort expectation, social influence and perceived cost significantly influence behavioral intention of 97.5%. Perceived risk is known to have no effect on this study, this can be caused by differences in the type of technology, the monetary value of the technology users use and also the reputation of the community.Revolusi industri 4.0 mempengaruhi kehidupan masa kini terutama penggunaan smart technology yang semakin mempermudah beragam aktivitas manusia khususnya dalam pembayaran menggunakan e-wallet. E-wallet tidak hanya berkembang di toko ternama namun sudah merambah ke (Usaha Mikro Kecil Menengah) UMKM di kota Bandung. Namun, masih terdapat beberapa kendala penerimaan akan teknologi yang baru ini dikarenakan berbagai faktor di masyarakat. Penelitian ini bertujuan untuk mengetahui bagaimana penerimaan teknologi E-Wallet Go-pay dan OVO pada UMKM di Kota Bandung menggunakan Unified Theory of Acceptance and Use of Technology model yang memiliki variabel performance expectation, effort expectation, social influence, perceived risk, perceived cost dan behavioural intention. Metode yang digunakan dalam penelitian ini adalah metode deskriptif dan kausalitas dengan pendekatan kuantitatif, dan menggunakan teknik pengujian hipotesis yaitu uji T. Metode pengambilan sampel yang digunakan adalah purposive sampling dengan total 100 responden. Berdasarkan hasil pengolahan data menggunakan SmartPLS diperoleh performance expectation, effort expectation, social influence dan perceived cost berpengaruh signifikan terhadap behavioural intention sebesar 97,5%. Perceived risk diketahui tidak berpengaruh pada penelitian ini, hal ini bisa disebabkan oleh perbedaan jenis teknologi, nilai moneter dari teknologi yang pengguna gunakan dan juga reputasi komunitas