Analysis of Perceived Ease of Use, Usefulness, and Security Towards Usage of E-Money Payment System and The Effect of Government Regulations
Abstract
The use of e-money has been growing from each year since its introduction the the
country of Indonesia. With the GNTT policy published by Bank Indonesia published
in 2014 aiming to make Indonesia into a “cashless society”, the government has made
electronic money into one of the national payment gateway and published a regulation
enforcing the use of e-money; regulation published by the Minister of Employment
and Housing 16/PRT/M/2017 states that tollbooth payment must be paid using
electronic money and it has been applied since October 17, 2017. This research uses
technology acceptance model (TAM) theory to determine the correlation between
users perceived ease of use (PEOU), perceived usefulness (PU), and perceived risk
(PR) and e-money usage. The results show that PEOU and PU has positive effect on
the use of e-money, but PR has no relationship with the use of e-money. This research
also correlates government regulations with users’ perception and e-money usage.
Government regulations has positive relation on PU, but negative and non-significant
relation with PEOU and PR. It is also discovered that government regulations
positively effects e-money usage. This research is aimed to provide insight on what
drives people to use e-money and the effect of government regulations on it. It is
hoped that this research can aid institutions that utilize e-money payment system to
improve their currently existing system and to government who seek to make
Indonesia into a “cashless society”.
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