Main Article Content
Abstract
The aim of this research is to examine how perceived usefulness contributes to the intention to reuse the LinkAja e-wallet, mediated by trust. This research employs a quantitative methodology, targeting members of the Telegram group LinkAja_e-money, and gathered data from 214 respondents through questionnaires. Structural Equation Modeling (SEM) was used to analyze both direct and indirect relationships between variables. Research The study finds that perceived usefulness significantly impacts both trust and the intention to reuse the LinkAja e-wallet. Moreover, trust exerts a significant effect on intention to reuse and partially mediates the relationship between perceived usefulness and intention to reuse. This study confirms the integral relationships between perceived usefulness, trust, and intention to reuse within the context of LinkAja, offering valuable insights for improving user retention strategies on digital payment platforms.
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References
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- Balconi, M., Angioletti, L., & Crivelli, D. (2024). Integrating EEG biomarkers in the neurocognitive screening of executive functions in substance and behavioral addiction. Frontiers in Psychiatry, 15, 1472565.
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- Hurriyati, R. (2021). Analysis of Information Technology User Behavior Model by Creative Economy-Based Entrepreneurs (A Study of Information Technology Application in Creative Industry in Bandung). Advances in Economics, Business and Management Research vol.187
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- Lim, S. H., Kim, D. J., Hur, Y., & Park, K. (2019). An Empirical Study of the Impacts of Perceived Security and Knowledge on Continuous Intention to Use Mobile Fintech Payment Services Abstract: International Journal of Human-Computer Interaction, 35(10), 886– 898. https://doi.org/10.1080/10447318.2018.1507132
- Lin, X., Wang, X., & Hajli, N. (2019). Building e-commerce satisfaction and boosting sales: The role of social commerce trust and its antecedents. International journal of electronic commerce, 23(3), 328-363. LinkAja. (2024, September). LinkAja. LinkAja. https://www.linkaja.id/
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- Noh, N. H. M., Amron, M. T., & Mohamad, M. (2024). Determinants of intention to reuse Online Food Delivery (OFD) app among university students: the mediating role of satisfaction. Deleted Journal, 33(1), 287–316. https://doi.org/10.60016/majcafe.v33.11
- Primandari, I. D. a. a. Y., & Suprapti, N. W. S. (2022). The Role of Trust in Mediating the Effect of Perceived Ease of Use and Perceived Risk on Intention to Reuse QRIS Payment Methods. International Journal of Business Economics & Management, 5(3), 201–210. https://doi.org/10.21744/ijbem.v5n3.1942
- Rahi, S., Khan, M. M., & Alghizzawi, M. (2021). Extension of technology continuance theory (TCT) with task technology fit (TTF) in the context of Internet banking user continuance intention. International Journal of Quality & Reliability Management, 38(4), 986-1004.
- Sobti, N. (2019). Impact of demonetization on the diffusion of mobile payment services in India: Antecedents of behavioral intention and adoption using an extended UTAUT model. Journal of Advances in Management Research, 16(4), 472–497. https://doi.org/10.1108/JAMR-09-2018-0086.
- Sianadewi, J. H., Widyarini, L. A., and Wibowo, W. (2017). Pengaruh Perceived Social Presence, Perceived Ease Of Use, Perceived Usefulness, Dan Attitude Towards Online Shopping Terhadap Niat Beli Pada Jakarta Notebook. Com. 6(2).
- Tabachnick, B. G., & Fidell, L. S. (2019). Using Multivariate Statistics (7th ed.)
- Utami, M.K. (2021). Pengaruh Kepercayaan, Kegunaan, Keamana Terhadap Minat Menggunakan Mobile Payment Link Aja dengan Kemudahan sebagai Variabel Mediasi. Jurnal Ilmiah Manajemen Kesatuan. Vol. 9(2) 331-342
- We Are Social. (2024). Data Digital Indinesia 2024. https://andi.link/hootsuite-we-are-socialdata-digital-indonesia-2024/
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- Zhang, P., & Li, N. (2023). The importance of affective quality: Users are not always rational or logical. Communications of the Association for ACM.
References
Akbar, Aldrin & Alam, Nur Sitti. (2020). E-commerce, Teori Dasar Dalam Bisnis Digital. Yayasan Kita Menulis
Azzatillah, A., Nada, L., Rahmadina, D. S., Chairunnisa, C., & Savira, D. A. (2024). Technology acceptance model theory on intention to use e-recruitment. Jurnal Fokus Manajemen Bisnis, 14(2), 241-255.
Baabdullah A. M., Alalwan A. A., Rana N. P., Kizgin, H., & Patil, P. (2018). Consumer use of mobile banking (M-Banking) in Saudi Arabia: Towards an integrated model. International Journal of Information Management, 44, 38–52. https://doi.org/10.1016/j.ijinfomgt.2018.09.002
Babbie, E. R. (2021). The Practice of Social Research (15th ed.). Wadsworth Cengage Learning.
Balconi, M., Angioletti, L., & Crivelli, D. (2024). Integrating EEG biomarkers in the neurocognitive screening of executive functions in substance and behavioral addiction. Frontiers in Psychiatry, 15, 1472565.
Chang, I. C., & Liu, C. C. (2014). Push, pull, and mooring effects in virtual migration for social networking sites. Information Systems Journal, 24(3), 327–346. C., & Dang. D.T. (2021). Intention to Reuse M-Payment Services: Lessons from The Pandemic Contaduría y Administración 66 (5), Lecciones de la pandemia de Covid-19,2021, 1-22 http://dx.doi.org/10.22201/fca.24488410e.2021.3014
Davis, F. D. (1989). Perceived Usefulness, Perceived Ease of Use, and User Acceptance of Information Technology. MIS Quarterly, 13(3), 319. https://doi.org/10.2307/249008
Dirgantari, P. D., Hidayat, Y.M., Mahphoth, M. H., Machmud, A., Fachrulamry, D. M. R. (2020). Intention to Use Mobile Commerce in Indonesia with Technology Acceptance Model Approach. Indonesian Journal of Engineering Science and Technology, 15(6), 4171-4181.
Goodstats.id.2024. Platform Fintech yang Paling Banyak dimiliki Masyarakat Indonesia. https://data.goodstats.id/statistic/96-masyarakat-indonesia-sudah-menggunakan-e-wallet-itxIc
Hair, J. F. (2010). Multivariate data analysis: A global perspective (7). ed., global ed). Pearson. Hair, J. F., Risher, J. J., Sarstedt, M., and Ringle, C. M. (2019). When to use and how to report the results of the PLS-SEM. SSRN Electronic Journal. https://papers.ssrn.com/sol3/papers.cfm?abstract_id=3388674
Hayes, A. F. (2018). Introduction to Mediation, Moderation, and Conditional Process Analysis: A Regression-Based Approach (2nd ed.)
Hu, Z., Ding, S., Li, S., Chen, L., & Yang, S. (2019). Adoption Intention of Fintech Services for Bank Users: An Empirical Examination with an Extended Technology Acceptance Model. Symmetry, 11(3), 340. https://doi.org/10.3390/sym11030340
Hurriyati, R. (2021). Analysis of Information Technology User Behavior Model by Creative Economy-Based Entrepreneurs (A Study of Information Technology Application in Creative Industry in Bandung). Advances in Economics, Business and Management Research vol.187
Jiang, Y., & Lau, A. K. (2021). Roles of consumer trust and risks on continuance intention in the sharing economy: An empirical investigation. Electronic Commerce Research and Applications, 47, 101050.
Kar, A. K. (2021). What Affects Usage Satisfaction in Mobile Payment? Modelling UserGenerated Content to Develop the "Digital Service Usage Satisfaction Model." Information Systems Frontiers, 23(5), 1341–1361. https://doi.org/10.1007/s10796-020- 10045-0.
Kaur, P., Dhir, A., Singh, N., Sahu, G., & Almotairi, M. (2020). An innovation resistance theory perspective on mobile payment solutions. Journal of Retailing and Consumer Services, 55, 102059. https://doi.org/10.1016/j.jretconser.2020.102059
Khan, M. M., & Fasih, M. (2014). Impact of service quality on customer satisfaction and customer loyalty: Evidence from the banking sector. Pakistan Journal of Commerce and Social Sciences (PJCSS),8(2), 331-354.
Khan, M. R, & Chaipoopirutana, S. (2020). Factors Influencing Users’ Behavioral Intention to Reuse Mobile Financial Services in Bangladesh, J. Mgt. Mkt. Review 5(3) 155–169. https://doi.org/10.35609/jmmr.2020.5.3(4)
Kim, J., & Yum, K. (2024). Enhancing Continuous Usage Intention in E-Commerce Marketplace Platforms: The Effects of Service Quality, Customer Satisfaction, and Trust. Applied Sciences, 14(17), 7617.
Kline, R. B. (2015). Principles and Practice of Structural Equation Modeling (4th ed.). New York: Guilford Press. Kline, R. B. (2023). Principles and practice of structural equation modelling (Fifth edition). The Guilford Press.
Kotler, P., & Keller, K. L. (2022). Marketing management. Pearson.
Kunamaneni, S., Jassi, S., & Hoang, D. (2019). Promoting reuse behavior: Challenges and strategies for repeat purchase, low-involvement products. Sustainable Production and Consumption, 20, 253–272. https://doi.org/10.1016/j.spc.2019.07.001
Liang, J., Li, M., & Shao, X. (2024). How do online reviews influence answer adoption in virtual Q&A communities? A signaling theory perspective. Library Hi Tech. https://doi.org/10.1108/LHT-11-2023-0534.
Lim, S. H., Kim, D. J., Hur, Y., & Park, K. (2019). An Empirical Study of the Impacts of Perceived Security and Knowledge on Continuous Intention to Use Mobile Fintech Payment Services Abstract: International Journal of Human-Computer Interaction, 35(10), 886– 898. https://doi.org/10.1080/10447318.2018.1507132
Lin, X., Wang, X., & Hajli, N. (2019). Building e-commerce satisfaction and boosting sales: The role of social commerce trust and its antecedents. International journal of electronic commerce, 23(3), 328-363. LinkAja. (2024, September). LinkAja. LinkAja. https://www.linkaja.id/
Ngan, N. T., & Khoi, B. H. (2020). Behavioral Intention to Accept and Use Banking Services. Journal of Asian Finance, Economics and Business, 7(11), 393-400.
Noh, N. H. M., Amron, M. T., & Mohamad, M. (2024). Determinants of intention to reuse Online Food Delivery (OFD) app among university students: the mediating role of satisfaction. Deleted Journal, 33(1), 287–316. https://doi.org/10.60016/majcafe.v33.11
Primandari, I. D. a. a. Y., & Suprapti, N. W. S. (2022). The Role of Trust in Mediating the Effect of Perceived Ease of Use and Perceived Risk on Intention to Reuse QRIS Payment Methods. International Journal of Business Economics & Management, 5(3), 201–210. https://doi.org/10.21744/ijbem.v5n3.1942
Rahi, S., Khan, M. M., & Alghizzawi, M. (2021). Extension of technology continuance theory (TCT) with task technology fit (TTF) in the context of Internet banking user continuance intention. International Journal of Quality & Reliability Management, 38(4), 986-1004.
Sobti, N. (2019). Impact of demonetization on the diffusion of mobile payment services in India: Antecedents of behavioral intention and adoption using an extended UTAUT model. Journal of Advances in Management Research, 16(4), 472–497. https://doi.org/10.1108/JAMR-09-2018-0086.
Sianadewi, J. H., Widyarini, L. A., and Wibowo, W. (2017). Pengaruh Perceived Social Presence, Perceived Ease Of Use, Perceived Usefulness, Dan Attitude Towards Online Shopping Terhadap Niat Beli Pada Jakarta Notebook. Com. 6(2).
Tabachnick, B. G., & Fidell, L. S. (2019). Using Multivariate Statistics (7th ed.)
Utami, M.K. (2021). Pengaruh Kepercayaan, Kegunaan, Keamana Terhadap Minat Menggunakan Mobile Payment Link Aja dengan Kemudahan sebagai Variabel Mediasi. Jurnal Ilmiah Manajemen Kesatuan. Vol. 9(2) 331-342
We Are Social. (2024). Data Digital Indinesia 2024. https://andi.link/hootsuite-we-are-socialdata-digital-indonesia-2024/
Wickrama, K., Lee, T. K., O’Neal, C. W., & Lorenz, F. (2021). Higher-Order Growth Curves and Mixture Modeling with Mplus. In Routledge eBooks. https://doi.org/10.4324/9781315642741
Zhang, P., & Li, N. (2023). The importance of affective quality: Users are not always rational or logical. Communications of the Association for ACM.