Analysis of Supporting Factors for  Payment Technology Utilization in MSMEs using Technology Acceptance Model (TAM) Method

Maisa Azizah Asmara; Nurlia; Dina Fahma  Sari; Andi  Asrijal; Humaidah  Muafiqie

doi:10.35877/454RI.asci2396

Maisa Azizah Asmara Universitas ‘Aisyiyah Bandung, Indonesia (ID)
Nurlia Universitas Balikpapan, Indonesia (ID)
Dina Fahma Sari ITB Yadika Pasuruan, Indonesia (ID)
Andi Asrijal Universitas Cahaya Prima, Indonesia (ID)
Humaidah Muafiqie Universitas Darul ‘Ulum, Indonesia (ID)

https://doi.org/10.35877/454RI.asci2396

Keywords: Digital Payment Technology, MSME, Technology Adoption, Technology Acceptance Model (TAM)

Viewed = 0 time(s)

Abstract

This study aims to analyze the factors that influence the adoption of digital payment technology in micro, small and medium enterprises (MSMEs) using the Technology Acceptance Model (TAM) method. This research uses a quantitative approach with a sample of 85 MSMEs in Bandung City that have used QRIS mobile digital payment services. This research uses a quantitative approach with primary data obtained from MSME owners or managers in Bandung City who have used QRIS digital payment services. The results of the analysis show that factors such as perceived ease of use, perceived benefits, and security affect the intention to use QRIS payment technology. In addition, validity, reliability, normality, and multicollinearity tests are also carried out to ensure data reliability and validity. The results of hypothesis testing show that all independent variables, namely Perceive in Use, Perceive in Usefulness and Security in Use, have a significant effect on user behavior in using QRIS. This research contributes to analyzing the acceptance and use of digital payment technology in MSMEs.

Downloads

Download data is not yet available.

References

Achmad, W. (2023). MSMEs Empowerment through Digital Innovation: The Key to Success of E-Commerce in Indonesia. Daengku: Journal of Humanities and Social Sciences Innovation, 3(3), 469–475.
Alfarizi, M., Widiastuti, T., & Ngatindriatun. (2023). Exploration of Technological Challenges and Public Economic Trends Phenomenon in the Sustainable Performance of Indonesian Digital MSMEs on Industrial Era 4.0. Journal of Industrial Integration and Management, 1–32.
Asmara, M. A., Wahdiniwaty, R., & Martini, T. (2022). The Use of E-Money to Implement Business Transactions of the Student of Madrasah Boarding School, West Bandung Regency. Proceeding of International Conference on Business, Economics, Social Sciences, and Humanities, 5, 181–185.
Bagale, G. S., Vandadi, V. R., Singh, D., Sharma, D. K., Garlapati, D. V. K., Bommisetti, R. K., Gupta, R. K., Setsiawan, R., Subramaniyaswamy, V., & Sengan, S. (2021). Small and medium-sized enterprises’ contribution in digital technology. Annals of Operations Research, 1–24.
Candraningrat, I., Abundanti, N., Mujiati, N., & Erlangga, R. (2021). The role of financial technology on development of MSMEs. Accounting, 7(1), 225–230.
Fajri, M. I., Gani, I. P., Fauzi, F., Manafe, M. W. N., & Asmara, M. A. (2024). MSME business tranformation through mobile e-commerce applications. Jurnal Info Sains: Informatika Dan Sains, 14(01), 137–145.
Farida, I., & Ardiansyah, W. (2022). Technology Acceptance Model Factors: Implications on Digital-Wallet on Interest to Buy in Franchise Business. Golden Ratio of Marketing and Applied Psychology of Business, 2(2), 147–157.
Fauzi, A. A., Kom, S., Kom, M., Budi Harto, S. E., MM, P. I. A., Mulyanto, M. E., Dulame, I. M., Pramuditha, P., Sudipa, I. G. I., & Kom, S. (2023). PEMANFAATAN TEKNOLOGI INFORMASI DI BERBAGAI SEKTOR PADA MASA SOCIETY 5.0. PT. Sonpedia Publishing Indonesia.
Halik, J. B., Nurlia, N., & Latiep, I. F. (2023). ANALISIS STRATEGI PEMASARAN DALAM MENINGKATKAN JUMLAH KOSUMEN DI MAKASSAR COFFEE HOUSE (MCH). MARIOBRE: Journal of Marketing Management and Innovative Business Review, 1(1), 48–60.
Halik, J., Halik, M., Nurlia, N., Hardiyono, H., & Alimuddin, I. (2021). The Effect of Digital Marketing and Brand Awareness on the Performance of SMEs in Makassar City. ICONEBS 2020: Proceedings of the First International Conference on Economics, Business and Social Humanities, ICONEBS 2020, November 4-5, 2020, Madiun, Indonesia, 84.
Ibrahim, M. B., Sari, F. P., Kharisma, L. P. I., Kertati, I., Artawan, P., Sudipa, I. G. I., Simanihuruk, P., Rusmayadi, G., Nursanty, E., & Lolang, E. (2023). METODE PENELITIAN BERBAGAI BIDANG KEILMUAN (Panduan & Referensi). PT. Sonpedia Publishing Indonesia.
Isa, M. (2020). M-Wallet Adoption and SMEs Performance. The International Conference on Business and Management Research (ICBMR 2020), 29–35.
Jebb, A. T., Ng, V., & Tay, L. (2021). A review of key Likert scale development advances: 1995–2019. Frontiers in Psychology, 12, 637547.
Kurniawan, H., Hakim, L., Sanulita, H., Maiza, M., Arisanti, I., Rismawan, M., Sudipa, I. G. I., Daryaswanti, P. I., Kharisma, L. P. I., & Haryani, H. (2023). TEKNIK PENULISAN KARYA ILMIAH: Cara membuat Karya Ilmiah yang baik dan benar. PT. Sonpedia Publishing Indonesia.
Kusuma, P. O., & Darma, G. S. (2020). Mobile payment transaction on MSMEs. International Research Journal of Management, IT and Social Sciences, 7(3), 104–109.
Nafisa, N., Kartawinata, B. R., Akbar, A., Pradana, M., & Utami, D. G. (2022). Quick Response Code Indonesian Standard (QRIS) Payment in Indonesian MSMEs: A Bibliometric Study. Journal of Pharmaceutical Negative Results, 1223–1233.
Nurqamarani, A. S., Fadilla, S., & Juliana, A. (2023). Adoption of QRIS as a Digital Payment Mode in the Culinary Subsector: A Conceptual Framework Study. Proceedings of the 5th Open Society Conference (OSC 2023), 263, 60.
Prihatiningtias, Y. W., & Wipraganang, N. (2022). The Impact of Mobile Payment on Non-Financial Performance of SMEs During the COVID-19 Pandemic. Brawijaya International Conference on Economics, Business and Finance 2021 (BICEBF 2021), 252–258.
Rachmad, Y. E., Asmara, M. A., Purwanto, H., Thamrin, J. R., Violin, V., Awang, M. Y., Mahmud, S. F., & Wibowo, S. E. (2023). Manajemen Pemasaran Digital Terkini (Perubahan Era Manajemen Pemasaran Kearah Digitalisasi). PT. Sonpedia Publishing Indonesia.
Sadikin, A., Naim, S., Asmara, M. A., Hierdawati, T., & Boari, Y. (2023). Innovative strategies for MSME business growth with the business model canvas approach. Enrichment: Journal of Management, 13(2), 1478–1484.
Sari, D. F., & Wulandari, N. I. (2023). FINANCIAL LITERACY, KONTROL DIRI, GAYA HIDUP, MATERIALISTIS TERHADAP PERSONAL FINANCIAL MANAJEMEN. Juremi: Jurnal Riset Ekonomi, 3(1), 131–140.
Sariyer, G., Mangla, S. K., Kazancoglu, Y., Ocal Tasar, C., & Luthra, S. (2021). Data analytics for quality management in Industry 4.0 from a MSME perspective. Annals of Operations Research, 1–29.
Sarmah, R., Dhiman, N., & Kanojia, H. (2021). Understanding intentions and actual use of mobile wallets by millennial: an extended TAM model perspective. Journal of Indian Business Research, 13(3), 361–381.
Sugiana, N. S. S., Maisa, A. A., & Dirgantari, P. D. (2023). The Leadership Crisis In The Medium-Sized Business Sector Is Facing A Endemic To Adapt Information Technology; Case Study SME Entrepreneur Kelurahan Padasuka Bandung Regency. Operations Research: International Conference Series, 4(1), 23–27.
Sugiyono. (2019). Metode Penelitian Kuantitaif Kualitatif (1st ed.). Alfabeta.
Sulistyaningsih, H., & Hanggraeni, D. (2021). The Impact of technological, organisational, environmental factors on the adoption of QR code Indonesian standard and micro small medium enterprise performance. Turkish Journal of Computer and Mathematics Education (TURCOMAT), 12(14), 5325–5341.
Taherdoost, H. (2018). Development of an adoption model to assess user acceptance of e-service technology: E-Service Technology Acceptance Model. Behaviour & Information Technology, 37(2), 173–197.
Trinugroho, I., Pamungkas, P., Wiwoho, J., Damayanti, S. M., & Pramono, T. (2022). Adoption of digital technologies for micro and small business in Indonesia. Finance Research Letters, 45, 102156.
Wardana, M. A., Tresnasari, R., Aditi, B., Nurlia, N., & Yuwanda, T. (2023). The Minangkabau Entrepreneurs: The Trait Strategies for Marketing, Financial, and Operational Performance. Jurnal Minds: Manajemen Ide Dan Inspirasi, 10(2).
Yudhaputri, E. A., & Daihan, D. U. (2020). Strategy development of MSMEs in order to face industrial Revolution 4.0. International Conference on Inclusive Business in the Changing World (ICIB 2019), 254–262.
Yusriadi, Y., Awaluddin, M., Firman, H., & Asrijal, A. (2022). Implementation of e-commerce in supply chain management. Uncertain Supply Chain Management, 10(4), 1279–1288.