Persepsi Generasi Z pada Penggunaan E-wallet selama Pandemi Covid-19

Dila Indriyani, Sri Hardianti Sartika

Abstract


Penelitian ini bertujuan untuk mengetahui bagaimana persepsi Generasi Z dalam penggunaan e-wallet selama masa pandemi Covid-19 di Tasikmalaya. Metode deskriptif kualitatif digunakan untuk menguraikan fenomena tersebut, melalui pengambilan data survey berupa kuesioner yang disebar dengan google form. Teknik pengambilan sampel menggunakan simple random sample sebanyak 50 responden. Indikator yang digunakan untuk melihat persepsi Generasi Z ada penggunaan e-wallet yaitu persepsi manfaat, persepsi kemudahan, dan persepsi risiko. Data yang telah ada kemudian di olah dan diinterpretasikan dengan lebih dalam sehingga bisa diambil kesimpulan. Hasil penelitian menunjukkan bahwa persepsi manfaat menunjukan 92,6% generasi Z setuju bahwa e-wallet memberikan manfaat pada kegiatan bertransaksi, persepsi kemudahan menunjukan 93,63% generasi Z setuju bahwa e-wallet memberikan banyak kemudahan, serta persepsi risiko menunjukan 71,3% generasi Z memberikan tanggapan bahwa e-wallet memiliki risiko yang sedikit. Jadi bisa disimpulkan, penggunaan e-wallett pada generasi Z di Kota Tasikmalaya dipengaruhi adanya tiga persepsi yaitu manfaat, kemudahan serta resiko.

 

This study aims to find out how Generation Z perceived the use of e-wallet during the Covid-19 pandemic in Tasikmalaya. Qualitative descriptive method was used to describe this phenomenon, by taking survey data in the form of a questionnaire distributed by google form. The sampling technique used a simple random sample of 50 respondents. The indicators used to see the perceived  of Generation Z are the use of e-wallet are perceived benefits, perceived convenience, and perceived risk. The existing data is then processed and interpreted more deeply so that conclusions can be drawn. The results showed that the perceived  of benefits showed that 92.6% of Generation Z agreed that e-wallet provided benefits for transaction activities, the perceived  of convenience showed that 93.63% of Generation Z agreed that e-wallet provided a lot of convenience, and the perceived  of risk showed 71.3%. Generation Z responds that e-wallet has little risk. So it can be concluded, the use of e-wallet in generation Z in Tasikmalaya City is influenced by three perceived s, namely benefits, convenience and usability.


Full Text:

PDF

References


Ardianto, K., & Azizah, N. (2021). Analisis Minat Penggunaan Dompet Digital Dengan Pendekatan Technology Acceptance Model (TAM) Pada Pengguna di Kota Surabaya. Jurnal Pengembangan Wiraswasta, 23(1), 13. https://doi.org/10.33370/jpw.v23i1.511

Aseng, A. C., Ekonomi, P., Keguruan, F., & Pendidikan, I. (2020). Factors Influencing Generation Z Intention in Using FinTech Digital Payment Services. Cogito Smart Journal |, 6(2).

Ather, A., Patel, B., Ruparel, N. B., & Diogenes, A. (2020). Coronavirus Disease 19 (COVID-19): Implications for Clinical Dental Care. Journal of Endodontics, 46(5).

Bimo, W. A. (2021). Penilaian Penggunaan Dompet Digital Saat Pandemi Covid-19. Moneter: Jurnal Keuangan Dan Perbankan, 9(2), 37. https://doi.org/10.32832/moneter.v9i2.5827

Brown, D. (2020, March 6). Can cash carry coronavirus? World Health Organization says use digital payments when possible. https://www.usatoday.com/story/money/2020/03/06/coronavirus-covid-19-concerns-over-using-cash/4973975002/

Davis, F. D. (1989). Perceived Usefulness, Perceived Ease of Use, and User Acceptance of Information Technology. Management Information Systems Research Center, 13(3), 319–340. https://doi.org/https://doi.org/10.2307/249008

Devita, V. D. (2019). Siapa Aplikasi E-wallet dengan Pengguna Terbanyak di Indonesia? Iprice. https://iprice.co.id/trend/insights/e-wallet-terbaik-di-indonesia/

Eriksson, P., & Kovalainen, A. (2015). Qualitative Methods in Business Research: A Practical Guide to Social Research. Sage.

Fadillah, M. N., & Subchan, M. (2021). Dampak Covid-19 Terhadap Perilaku Konsumen Dalam Penggunaan Marketplace Di Indonesia. Jurnal Mitra Manajemen, 12(1), 123–129.

Falah, M. N. (2021). Kembali Shopeepay Di Kota Malang Saat Pandemi Covid-. 1–18.

Fatoni, S. N., Susilawati, C., Yulianti, L., & Iskandar. (2020). Dampak COVID-19 terhadap perilaku konsumen dalam penggunaan e-wallet di Indonesia. Journal of Chemical Information and Modeling, 53(9), 1689–1699.

Fernandes, N. (2020). Economic effects of coronavirus outbreak (COVID-19) on the world economy. ESE Business School Working Paper No. WP-1240-E. https://ssrn.com/abstract=3557504 or http://dx.doi.org/10.2139/ssrn.3557504

Gokilavani, R., Venkatesh, M. D., Durgarani, D. M., & Mahalakshmi, D. R. (2018). Can India Move Towards Digital Soverign Currency? A Study On Perception Of Consumers Towards Digital Payment. International Journal of Pure and Applied Mathematics, 119(17), 2167–2175. http://www.acadpubl.eu/hub/

Goodell, J. W. (2020). COVID-19 and finance: Agendas for future research. Finance Research Letters , 35.

Irawati, F. E., & Kautsar, N. Y. (2020). Pengaruh Pandemi Covid 19 terhadap Minat Penggunaan OVO sebagai Alat Pembayaran dengan Pendekatan Trust and Risk in Technology Acceptance Model. Jurnal Bisnis Digital Dan Sistem Informasi, 1(1).

Karim, M. W., Haque, A., Ulfy, M. A., Hossain, M. A., & Anis, M. Z. (2020). Factors Influencing the Use of E-wallet as a Payment Method among Malaysian Young Adults. Journal of International Business and Management. https://doi.org/10.37227/jibm-2020-2-21/

Katon, F., & Yuniati, U. (2020). Fenomena Cashless Society Dalam Pandemi Covid-19 ( Kajian Interaksi Simbolik Pada Generasi Milenial ) Cashless Society Phenomenons in the Covid-19 Pandemy ( Study of Symbolic Interactions in Millennial Generation ). Signal, 8(2), 134–145.

Kim, T., Suh, Y. K., Lee, G., & Choi, B. G. (2010). Modelling roles of task‐technology fit and self‐efficacy in hotel employees’ usage behaviours of hotel information systems. International Journal of Tourism Research, 12(6), 709–725.

Kucukusta, D., Law, R., Besbes, A., & Legohérel, P. (2015). Re-examining perceived usefulness and ease of use in online booking: the case of Hong Kong online users. International Journal of Contemporary Hospitality Management, 27(2).

Lavinda. (2022). Gen Z Lebih Pilih Pakai e-Wallet Dibanding ATM Bank. 13 Januari.

Liébana-Cabanillas, F. J., Sánchez-Fernández, J., & Muñoz-Leiva, F. (2014). Role of gender on acceptance of mobile payment. Industrial Management and Data Systems, 114(2), 220–240. https://doi.org/10.1108/IMDS-03-2013-0137

Nicola, M., Alsafi, Z., Sohrabi, C., Kerwan, A., Al-Jabir, A., Losifidis, C., Agha, M., & Agha, R. (2020). The socio-economic implications of the coronavirus and covid-19 pandemic: A review. International Journal of Surgery, 7(8), 185–193.

Nizam, F., Hwang, H. J., & Valaei, N. (2018). Measuring the Effectiveness of E-Wallet in Malaysia. 3rd IEEE/ACIS International Conference on Big Data, Cloud Computing, and Data Science Engineering, 59–69.

Permadin. K.A, & Novera. H. (2018). Pemilihan Teknik Sampling berdasarkan Perhitungan Efisiensi Relatif. Statistika, 6(2). http://jurnal.unimus.ac.id

Pham, Tv., Hoang, NY. N., & Do, H. (2021). The “e-Wallet Generation”: How Barriers and Promoting Factors Influence Intention to Use. The Review of Socionetwork Strategies Volume, 15, 413–427.

Pratama, A. B., & Suputra, I. D. G. D. (2019). Pengaruh Persepsi Manfaat, Persepsi Kemudahan Penggunaan, dan Tingkat Kepercayaan Pada Minat Menggunakan Uang Elektronik. E-Jurnal Akuntansi, 27, 927. https://doi.org/10.24843/eja.2019.v27.i02.p04

Punwatkar, S., & Verghese, M. (2018). Adaptation of e-Wallet Payment: An Empirical Study on Consumers’ Adoption Behavior in Central India. International Journal of Advanced in Management, Technology and Engineering Sciences, 8(3).

Putri, G. S. (2020, March 12). WHO Resmi Sebut Virus Corona Covid-19 sebagai Pandemi Global. Kompas. https://www.kompas.com/sains/read/2020/03/12/083129823/who-resmi-sebut-virus-corona-covid-19-sebagai-pandemi-global?page=all

Sharma, A., & Agarwal, H. (2018). Study of Recent Developments Related To Cashless Commerce In India October 2018J. Journal of Commerce & Trade , 13(2).

Singh, N., Sinha, N., & Cabanillas, F. (2020). Determining factors in the adoption and recommendation of Mobile Wallet Services in India: Analysis of the effect of innovativeness, stress to use and social influence. International Journal of Information Management, 50.

Singh, S., & Ghatak, S. (2021). Investigating E-Wallet Adoption in India: Extending the TAM Model. International Journal of E-Business Research (IJEBR) , 17(3).

Turner, A. (2015). Generation Z: Technology and Social Interest. The Journal of Individual Psychology . , 71(2), 103–113.

Uly, Y. A. (2021). Melonjak 61,8 Persen, Transaksi Uang Elektronik Capai Rp 31,3 Triliun. Kompas. https://money.kompas.com/read/2021/12/16/172015626/melonjak-618-persen-transaksi-uang-elektronik-capai-rp-313-triliun

Watmah, S., Fauziah, S., Herlinawati, N., Komputer, I., Nusa Mandiri Jakarta, S., & Sistem Informasi, P. (2020). Identifikasi Faktor Pengaruh Penggunaan Dompet Digital Menggunakan Metode TAM Dan UTAUT2. IJSE-Indonesian Journal on Software Engineering, 6(1), 261–269.

Widyananda, R. F. (2020, October 15). Pengertian Gen Z serta Karakteristiknya, Ketahui agar Tak Keliru. Merdeka. https://www.merdeka.com/jatim/pengertian-gen-z-serta-karakteristiknya-ketahui-agar-tak-keliru-kln.html?page=2

Yaokumah, W., Kumah, P., & Okai, E. A. (2017). Demographic influences on e-payment services. Journal of E-Business Research, 13(1), 44–65.




DOI: https://doi.org/10.31294/widyacipta.v6i1.12200

Copyright (c) 2022 Dila Indriyani, Sri Hardianti Sartika

Creative Commons License
This work is licensed under a Creative Commons Attribution-ShareAlike 4.0 International License.

Terindex oleh:

 
 dipublikasikan oleh LPPM Universitas Bina Sarana Informatika dengan dukungan Relawan Jurnal Indonesia

Jl. Kramat Raya No.98, Kwitang, Kec. Senen, Jakarta Pusat, DKI Jakarta 10450
Creative Commons License
This work is licensed under a Creative Commons Attribution-ShareAlike 4.0 International License