PENGARUH PERFORMANCE EXPECTATION, EFFORT EXPECTANCY, SOCIAL INFLUENCE, PERCEIVED RISK, PERCEIVED COST PADA MINAT MENGGUNAKAN MOBILE PAYMENT DI INDONESIA

The development of technology and information systems continues to give birth to various innovations, especially those related to financial technology (fintech) in order to meet the needs of society, including in the field of payment system services. Indonesia has several major players in fintech but non-cash transactions via fintech are only 1.66% of the circulation of money in Indonesia. According to Mckinsey, fintech penetration in Indonesia has only reached 5%. This figure is much lower than other countries. Mobile Payment, or abbreviated as M-Payment, is a payment method using a mobile phone or cellphone as the means. Payment fintechs including LinkAja, Go-Pay, OVO, and DANA are expected to target users in remote areas of the archipelago. However, it cannot be denied that there are still Indonesians who use ordinary cell phones or have not access to the internet. Moreover, based on Statista data, smartphone users are projected to only reach 28% of Indonesia's total population this year. Looking at this data, we can assume that the market potential for mobile money in Indonesia is quite large, but the market penetration is still low. Based on this background, it can be seen that the intention to adopt mobile payments is still very low. The behaviors that factor into the intention to adopt technology are performance expectancy, effort expectation, social influence, perceived risk, and perceived cost. The purpose of this study was to see how the effect of performance expectancy, effort expectation, social influence, perceived risk, and perceived cost on the intention to use mobile payments in Indonesia. This research was conducted on 400 respondents using Structural Equation Model analysis (SEM PLS). Keywords: Intention to use, Mobile Payment, SEM PLS, UTAUT.Perkembangan teknologi dan sistem informasi terus melahirkan berbagai innovasi, khususnya yang berkaitan dengan financial tehnology (fintech) dalam rangka memenuhi kebutuhan masyarakat, termasuk di bidang jasa sistem pembayaran. Indonesi memiliki beberapa pemain utama di fintechnamun transaksi non-tunai lewat fintech hanya 1.66% dari perputaran uang di Indonesia. Menurut Mckinsey  penetrasi fintech di Indonesia baru mencapai 5%. Angka tersebut jauh lebih rendah daripada negara lain. Mobile Payment ata disingkat M-Payment adalah cara pembayaran yang menggunakan mobile phone atau ponsel sebagai sarananya. Fintech pembayaran termasuk LinkAja, Go-Pay, OVO, dan DANA memang diharapkan bisa menyasar pengguna di pelosok nusantara. Namun, tak bisa dipungkiri, masih ada penduduk Indonesia yang menggunakan ponsel biasa atau belum terakses internet. Apalagi, berdasarkan data Statista, penguna smartphone diproyeksi baru mencapai 28 % dari total penduduk Indonesia pada tahun ini. Melihat data tersebut dapat kita asumsikan bahwa sebenarnya potensi pasar untuk mobile money di Indonesia cukup besar namun penetrasi pasarnya masih rendah. Berdasarkan latarbelakang tersebut maka dapat dilihat niat adopsi terhadap mobile payment masih sangat rendah .Adapun perilaku-perilaku yang menjadi faktor niat mengadopsi teknologi adalah, performance expectancy, effort expectation, social influence, perceived risk, dan perceived cost. Tujuan dari penelitian ini adalah untuk melihat bagaimana pengaruh performance expectancy, effort expectation, social influence, perceived risk, dan perceived cost terhadap niat menggunakan mobile payment di Indonesia. Penelitian ini dilakukan terhadap 400 responden dengan menggunakan analisis Structural Equation Model (SEM PLS)