Pengaruh Kemudahan, Kegunaan, Kepercayaan dan Faktor Risiko Penggunaan Financial Technology dalam Proses Bisnis UMKM Bidang Fashion di Kota Kediri
DOI:
https://doi.org/10.30737/risk.v2i1.1749Abstract
Sistem pembayaran menggunakan financial technology (fintech), seperti penggunaan OVO, GoPay, Link Aja, ShopeePay dan lain-lain saat ini menjadi sebuah kebiasaan baru bagi konsumen. Kemudahan transaksi menggunakan fintech ini memiliki empat aspek dalam technology acceptance model (TAM), di antaranya adalah kemudahan, kegunaan, kepercayaan dan factor risiko. Penelitian ini berfokus pada bagaimana pengaruh empat aspek TAM ini terhadap proses bisnis usaha di bidang fasion, khususnya pada sektor usaha mikro kecil menengah (UMKM). Penelitian dilakukan dengan mengumpulkan 200 pemilik UMKM di bidang fashion di kota Kediri dan menggunakan methode survey untuk mengetahui keempat pengaruh TAM fintech pada proses bisnis mereka. Metode yang digunakan adalah multiple linear regresi dengan meneliti pengaruh keempat aspek acceptance model fintech pada UMKM mereka secara persial maupun secara simultan. Secara parsial aspek Perceived Ease Of Use (X1) bernilai 4,023 dan signifikan 0,000, Perceived Of Usefulness (X2) bernilai 2,229 dan signifikan 0,047, Perceived Of Trust (X3) bernilai 3,774 dan signifikan 0,000, Perceived Of Risk (X4) bernilai 7,894 dan signifikan 0,000 dinyatakan hipotesis diterima, sedangkan secara simultan bernilai 26,546 dan signifikan 0,000 dinyatakn hipotesis diterima dan keberhasilan parameter sebesar 52%.References
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