Menguji Peran Kesadaran Pengguna dalam Model Penerimaan Aplikasi FinTech Menggunakan Pendekatan UTAUT2
DOI:
https://doi.org/10.55601/jsm.v27i1.1646Abstract
Penelitian ini bertujuan menganalisis peran kesadaran pengguna dalam mempengaruhi niat penggunaan (Behavioral Intention) dan perilaku penggunaan (Use Behavior) aplikasi Financial Technology (FinTech) dengan menggunakan model Unified Theory of Acceptance and Use of Technology 2 (UTAUT2). Penelitian ini menggunakan pendekatan kuantitatif dengan metode survei melalui penyebaran kuesioner daring kepada pengguna aplikasi FinTech di Kota Medan. Sebanyak 392 responden diperoleh melalui penyebaran kuesioner daring. Analisis data dilakukan menggunakan metode Partial Least Squares Structural Equation Modeling (PLS-SEM). Hasil penelitian menunjukkan bahwa kesadaran pengguna berpengaruh positif dan signifikan terhadap niat penggunaan aplikasi FinTech. Selain itu, variabel kebiasaan penggunaan juga terbukti mempengaruhi niat dan perilaku penggunaan aplikasi FinTech. Niat penggunaan selanjutnya terbukti berpengaruh signifikan terhadap perilaku penggunaan aktual aplikasi FinTech. Penelitian ini memberikan kontribusi teoritis melalui pengembangan model UTAUT2 dengan menambahkan variabel kesadaran pengguna dalam konteks adopsi FinTech serta memberikan implikasi praktis bagi penyedia layanan FinTech dalam meningkatkan literasi dan kesadaran pengguna terhadap penggunaan teknologi keuangan digital.
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