Pengaruh Persepsi Risiko Terpapar Virus Covid-19 dan Persepsi Kegunaan E-Wallet terhadap Niat Menggunakan E-Wallet
Abstract
Kebijakan physical distancing yang digalakkan oleh World Health Organization (WHO) telah menginspirasi konsumen untuk melakukan aktivitas tanpa bersentuhan, antara lain: transaksi pembayaran. Orang-orang khawatir bahwa virus COVID-19 dapat ditularkan melalui uang fisik. Ini mendorong mereka untuk beralih ke e-wallet. Karena kurangnya mempelajari topik ini. Penelitian ini berfokus pada pengguna e-wallet dan belum ada yang spesifik meneliti terkait risiko COVID-19 di Makassar. Penelitian ini bertujuan memeriksa efek dari risiko yang dirasakan dan kegunaan yang dirasakan oleh pelanggan sehingga berniat untuk menggunakan e-wallet selama masa pandemi COVID-19. Kajian ini merupakan kajian dengan metode survei dan pendekatan kuantitatif. Kuesioner adalah dibagikan kepada responden pengguna e-wallet di kota Makassar. Data dianalisi menggunakan teknik analisi SEM Smart PLS. Hasilnya menunjukkan bahwa terdapat efek persepsi risiko terkena COVID-19 terhadap niat menggunakan e-wallet. Selain itu, manfaat yang dirasakan sepenuhnya memediasi hubungan risiko terkena COVID-19 terhadap niat untuk menggunakan e-wallet. Penelitian ini hanya menangkap niat untuk menggunakan e-wallet selama pandemi COVID-19.
Kata Kunci: Risiko Covid 19; Kegunaan; Niat.
Abstract
The physical distancing policy promoted by the World Health Organization (WHO) has inspired consumers to carry out activities without touching, including: payment transactions. People are worried that the COVID-19 virus can be transmitted through physical money. This encourages them to switch to e-wallet. For lack of studying this topic. This study focuses on e-wallet users and there is no specific research related to the risk of COVID-19 in Makassar. This study aims to examine the effects of perceived risk and perceived usefulness by customers who intend to use e-wallet during the COVID-19 pandemic. This study is a study using survey methods and quantitative approaches. Questionnaires were distributed to respondents using e-wallet in Makassar city. The data were analyzed using the SEM Smart PLS analysis technique. The results show that there is an effect of perceived risk of being exposed to COVID-19 on intentions to use e-wallet. In addition, the perceived benefits fully mediate the relationship of the risk of contracting COVID-19 to the intention to use e-wallet. This study only captures the intention to use e-wallet during the COVID-19 pandemic.
Keywords: Covid 18 risk; utility; intention.
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DOI: https://doi.org/10.37531/sejaman.v4i2.1312
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