Faktor-faktor yang mempengaruhi minat Institusi Pendidikan dalam menerapkan sistem pembayaran online (studi kasus: PT Infradigital Nusantara)

The growth of financial technology is increasing very rapidly, followed by the number of players in this industry. However, society’s digital literacy still needs to be developed. PT Infra Digital Nusantara is one of financial technology start-up that focuses on online payment transactions in the education sector. Offering the financial system, especially online payment to an education institution, yet PT IDN is still struggling to gain new customers. This study aims to determine the factors that affect the level of technology acceptance by educational institutions for the services offered by PT IDN. The questionnaire was distributed to 82 respondents using purposive sampling technique. The method of analysis in this study uses the Structural Equation Model (SEM) with the Partial Least Square (PLS) approach to analyze factors that affecting the level of technology acceptance. The results of this study showed that the latent variable perceived ease of use of technology had a significant effect on the perceived usefulness of the technology. The perceived usefulness variable of technology also has a significant effect on the attitude toward technology acceptance, while the perceived ease of use of technology had no significant effect on the attitude toward technology acceptance. The variable perceived usefulness of technology also has a significant effect on the intention to use technology, as well as the variable of attitude towards technology acceptance also has a significant effect on the intention to use technology. Furthermore, the intention to use technology has a significant effect on the actual system use. Therefore, the perception of the usefulness of technology, perception of the ease of use of technology, and the attitude toward technology acceptance, as the main factors in the acceptance of technology, need to be maintained and to be constantly improved