Cashless Society: The Effect of Financial Ability, Ease and Security on Behavior of the Use of Financial Technology System

Main Article Content

Islamiah Kamil

Abstract

This study aims to examine the factors that influence the system using Financial Technology (Fintech) by using multiple linear regression. This research was conducted in the Jakarta, Bogor, Depok, Tangerang and Bekasi areas using survey methods. This study obtained 200 respondents who had used Cashless Payment (Example: GO-PAY, GRAB-PAY, FUNDS, LINKS, TAPCASH, OVO, T-Cash, etc.). Researchers used SPSS 22 software to test research data. The results of the analysis for this model show that Financial Capability, Ease and Safety have a positive and significant effect on the Use of Financial Technology (Fintech) System.

Keywords:
Financial capacity, ease, safety, Financial Technology (Fintech) system usage.

Article Details

How to Cite
Kamil, I. (2020). Cashless Society: The Effect of Financial Ability, Ease and Security on Behavior of the Use of Financial Technology System. Asian Journal of Economics, Business and Accounting, 20(3), 46-58. https://doi.org/10.9734/ajeba/2020/v20i330328
Section
Original Research Article

References

Afrizal. MetodePenelitianKualitatif. Jakarta: RajagrafindoPersada. James, Michael. Pembangunan Ekonomi di DuniaKetiga. Jakarta: Ghalia; 2001.

Kuan KKY, Chau PYK. A perception-based model for EDI adoption in small businesses using a technology–organization–environment framework. Information & Management. 2001;38(8): 507–521. Available:http://linkinghub.elsevier.com/retrieve/pii/S0378720601000738.

Mukherjee J. Mobile Money Adopion in India: Evidence from early adopters of technology. Vilakshan, XIMB Journal of Management. 2015;12(2):95-118. Available:Hhtp://search.ebscohost.com/login.aspx?direct=true&db=bth&AN=11 3703134 &site=ehost-live.

Neuman WL. Social Research Methods, Qualitative and Quantitative Approaches (6th Ed.), Allyn and Bacon, Boston; 2006.

OECD, OECD Economic Surveys: Indonesia 2012, OECD Publishing; 2012. Available:http://dx.doi.org/10.1787/eco_surveys-idn-2012-en.

Pearson JM, Grandon EE. An Empirical Study of Factors That Influence E-Commerce Adoption / Non-Adoption in Small and Medium Sized Businesses. Journal of Internet Commerce. 2005;4(4): 1–21. DOI: 10.1300/J179v04n04

Ramdani B, Kawalek P, Lorenzo O. Predicting SMEs adoption of enterprise systems. Journal of Enterprise Information Management. 2009;22(1/2): 10–24. DOI: 10.1108/17410390910922796

Rogers EM, Tornatzky LG, Fleischer M. Diffusion of Innovations 3rd ed., New York, NY: Free Press. The Process of Technological Innovation, Lexington, MA.: Lexington Books; 1983.

Welsh JA, White TA. A small business is not a little big business. Harvard Business Review. 1981;59(4):18–32.

Zhu K. Information technology payoff in E-business environments: An international perspective on value creation of e- business in the financial services industry. Journal of Management Information Systems. 2004;21(1):17–54.

Bruggink D, Mouilleron E. Interview Success Factor for the deployment o financial technology: An Interview with Eric Mouilleron, Journal of Payments Strategy & Systems. 2016;10(4):396-400.

Campenon B. Quasi-Experimentation: Design and Analysis Issues for Field Settings. Boston MA, Houghton Mifflin Co; 2016.

Cook TD, Campbell DT. Fintech and the future of securities services. Journal of Securities Operations &Custody. 1979;8(2):107-112.

Cragg PB, King M. Small-Firm Computing: Motivators and Inhibitors. MIS quarterly. 1993;17(1):47–61.

Al-Qirim NAY. E-Commerce in the Aerial Mapping Industry: A New Zealand Case Study. Journal of Systems & Information Technology. 2003;7(1/2):67–92.

Asia Internet Usage Stats Facebook abd Population Statistics; 2017. Available:http://www.internetworldstats.com/stats3.htm

Boudreau M, Gefen D, Straub D. Validation in IS Research: A State-of- the-Art Assessment, MIS Quarterly. 2001;25(1):1-16.

Gangwar H, Date H, Ramaswamy R. Understanding determinants of cloud computing adoption using an integrated TAM- TOE model. Journal of Enterprise Information Management. 2015;28(1):107–130.

Ghobakhloo M, Arias-Aranda D, Benitez-Amado J. Adoption of e-commerce applications in SMEs. Industrial Manage-ment & Data Systems. 2011;111(8):1238–1269. Available:http://www.emeraldinsight.com/10.1108/02635571111170785 [Accessed February 28,2013]

Indrawan. Pengaruh Kemampuan Finansial, Kemudahan, Dan Perilaku Konsumen Terhadapminat Penggunaan Uang Elektronik Di Kota Yogyakarta. Skripsi. Universitas Negeri Yogyakarta; 2016.

Zhu K, Kraemer KL. Post-Adoption Variations in Usage and Value of E- Business by Organizations: Cross-Country Evidence from the Retail Industry. Information Systems Research. 2005; 16(1):61–84. Available:http://isr.journal.informs.org/cgi/doi/10.1287/isre.1050.0045 Accessed March 4, 2013

Nawawi, Ismail. Isu-Isu Ekonomi Islam: Kompilasi Pemikiran Filsafatdan Teori Menuju Praktik di Tengah Arus Ekonomi Global. Jakarta: VIV Press. Pawito, Penelitian Komunikasi Kualitatif. Yogyakarta: PT LKIS Pelangi Aksara; 2008.