Analisis Hambatan Fungsional Terhadap Adopsi Layanan Mobile Payment
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Abstract
Kebutuhan manusia yang semakin komplek, menuntut inovasi teknologi, termasuk sektor keuangan. Mobile payment menjadi produk inovatif yang dapat menjawab kebutuhan tersebut. Dengan berbagai kemudahan yang ditawarkan, pengguna dapat melakukan transaksi keuangan tanpa terbatas jarak dan waktu. Namun, dibalik keunggulan tersebut, kompetisi teknologi digital di Indonesia dan pengguna transaksi non-tunai di Indonesia masih rendah. Oleh karena itu, penelitian ini bertujuan untuk menganalisis seberapa besar pengaruh hambatan fungsional terhadap adopsi layanan mobile payment di Kota Bandung dengan menggunakan teori hambatan fungsional dari model innovation resistance theory (ITR). Metode penelitian deskriptif kuantitatif digunakan untuk mengolah 150 data responden non pengguna layanan mobile payment di Kota Bandung, analisis data menggunakan regresi sederhana. Hasil penelitian menunjukkan hambatan fungsional berpengaruh secara signifikan terhadap adopsi layanan mobile payment, mampu menjelaskan adopsi layanan mobile payment di Kota Bandung sebesar 15%.
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