PENGARUH PERCEIVED RISK, EASE OF USE, DAN COMFORTABILITY TERHADAP MINAT MENGGUNAKAN SISTEM PEMBAYARAN DIGITAL E-MONEY (STUDI KASUS: TRANSJAKARTA)

AKBAR IMAM MUZAKI, . (2025) PENGARUH PERCEIVED RISK, EASE OF USE, DAN COMFORTABILITY TERHADAP MINAT MENGGUNAKAN SISTEM PEMBAYARAN DIGITAL E-MONEY (STUDI KASUS: TRANSJAKARTA). Sarjana thesis, UNIVERSITAS NEGERI JAKARTA.

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Abstract

Penelitian ini bertujuan untuk mengetahui pengaruh Perceived Risk, Ease of Use, dan Comfortability terhadap Minat Penggunaan E-Money secara parsial maupun simultan. Penelitian ini merupakan penelitian kuantitatif. Populasi dalam penelitian ini adalah mahasiswa Fakultas Ekonomi Universitas Negeri Jakarta berusia 17-50 tahun dengan jumlah sampel sebanyak 120 responden. Teknik pengambilan sampel dilakukan secara purposive sampling. Pengumpulan data menggunakan kuesioner. Hasil penelitian menunjukkan bahwa (1) Perceived Risk berpengaruh negatif dan signifikan terhadap Minat Penggunaan E-Money dengan nilai thitung (6,608) > ttabel (1,981) dan signifikansi 0,000 < 0,05, (2) Ease of Use berpengaruh positif dan signifikan terhadap Minat Penggunaan E-Money dengan nilai thitung (3,979) > ttabel (1,981) dan signifikansi 0,000 < 0,05, (3) Comfortability berpengaruh positif dan signifikan terhadap Minat Penggunaan E-Money dengan nilai thitung (5,585) > ttabel (1,981) dan signifikansi 0,000 < 0,05, dan (4) Perceived Risk, Ease of Use, dan Comfortability secara simultan berpengaruh signifikan terhadap Minat Penggunaan E-Money dengan nilai Fhitung (121,133) > Ftabel (2,69) dan signifikansi 0,000 < 0,05. Nilai koefisien determinasi (R²) sebesar 0,773 menunjukkan bahwa 77,3% variasi minat penggunaan e-money dapat dijelaskan oleh ketiga variabel independen dalam model ini. ***** This study aims to determine the effect of Perceived Risk, Ease of Use, and Comfortability on the Intention to Use E-Money, both partially and simultaneously.This is a quantitative research study. The population consists of students from the Faculty of Economics at Universitas Negeri Jakarta, aged 17–50 years, with a sample size of 120 respondents. The sampling technique used was purposive sampling, and data collection was carried out using Questionnaires. The results show that: (1) Perceived Risk has a negative and significant effect on the Intention to Use E-Money, with a t-value (6.608) > t-table (1.981) and a significance level of 0.000 < 0.05; (2) Ease of Use has a positive and significant effect on the Intention to Use E-Money, with a t-value (3.979) > t-table (1.981) and a significance level of 0.000 < 0.05; (3) Comfortability has a positive and significant effect on the Intention to Use E-Money, with a t-value (5.585) > t-table (1.981) and a significance level of 0.000 < 0.05; and (4) Perceived Risk, Ease of Use, and Comfortability simultaneously have a significant effect on the Intention to Use E-Money, with an F-value (121.133) > F-table (2.69) and a significance level of 0.000 < 0.05. The coefficient of determination (R²) is 0.773, indicating that 77.3% of the variation in the intention to use e-money can be explained by the three independent variables in this model.

Item Type:	Thesis (Sarjana)
Additional Information:	1). Prof. Dr. Gatot Nazir Ahmad, M.Si. ; 2). Diena Noviarini, M.M.Si.
Subjects:	Manajemen > Manajemen , Business
Divisions:	FE > S1 Bisnis Digital
Depositing User:	Akbar Imam Muzaki .
Date Deposited:	12 Aug 2025 02:52
Last Modified:	12 Aug 2025 02:52
URI:	http://repository.unj.ac.id/id/eprint/59846

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