Analysis of e-wallet application adoption through the diffusion of innovation theory approach (study of e-wallet application users in Bengkulu city)
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Published:
Feb 28, 2024
Keywords:
Relative Advantage, Compatibility, Complexity, Trialability, Obvervability, Adoption Dicision
Section
Economy
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Abstract
This research aims to examine the influence of relative advantage, compatibility, complexity, triability, and observability on the decision to adopt e-wallet applications in Bengkulu City. The object of this research is the people of Bengkulu City who use the e-wallet application. A total of 261 data were collected using a survey with a purposive sampling technique. using non-probability techniques in purposive sampling as a sampling approach. To see the hypothesis results, SmartPLS 4 is used to manage the data. The test results show that relative advantage and compatibility have no effect on adoption decision, while complexity, trialability, and observability have a positive effect on adoption decision
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How to Cite
Muliadi, M. R. and Usman, B. (2024) “Analysis of e-wallet application adoption through the diffusion of innovation theory approach (study of e-wallet application users in Bengkulu city) ”, Jurnal Mantik, 7(4), pp. 3001-3011. doi: 10.35335/mantik.v7i4.4491.
References
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Everett M. Rogers. 1983. “DIFFUSION OF INNOVATIONS Third Edition.” Achieving Cultural Change in Networked Libraries: 105–17.
Gumilang, Ilham, and Deden Syarif Hidayatullah. 2018. “Pengaruh Relative Advantage, Complexity, Compatibilty , Subjective Norm, Dan Perceived Behavioral Control Terhadap Niat Berwirausaha Online Pada Lulusan Sekolah Bisnis Di Bandung (Studi Kasus Pada Sekolah Bisnis Manajemen Institut Teknologi Bandung Dan.” E-Proceeding of Management 5(1): 360–69. file:///C:/Users/Owner/Downloads/Review Manajemen Strategi/sekolah bisnis itb.pdf.
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Indonesia, B. (2018). Peraturan Bank Indonesia tentang Uang Elektronik.
Kapoor, Kawaljeet, Yogesh K. Dwivedi, and Michael D. Williams. 2013. “Role of Innovation Attributes in Explaining the Adoption Intention for the Interbank Mobile Payment Service in an Indian Context.” IFIP Advances in Information and Communication Technology 402(2012): 203–20.
Krismawan, Andi. 2013. “Pengaruh Komponen Penerimaan Teknologi Dan Difusi Inovasi Terhadap Niat Berperilaku Menggunakan Telepon Pintar.” : 1–16.
Md Nor, Khalil, J. Michael Pearson, and Altaf Ahmad. 2010. “Adoption of Internet Banking: Theory of the Diffusion of Innovation.” International Journal of Management Studies 17(1): 69–85.
Mndzebele, Nomsa. 2013. “The Effects of Relative Advantage, Compatibility and Complexity in the Adoption of EC in the Hotel Industry.” International Journal of Computer and Communication Engineering 2(4): 473–76.
Nazari, F., F. Khosravi, and F. Babalhavaeji. 2013. “Applying Rogers’ Diffusion of Innovation Theory to the Acceptance of Online Databases at University Zone of Iran.” Malaysian Journal of Library and Information Science 18(3): 25–38.
Ntemana, Tšoenyo Julia, and Wole Olatokun. 2012. “Analyzing the Influence of Diffusion of Innovation Attributes on Lecturers’ Attitude Towards Information and Communication Technologies.” Human Technology An Interdisciplinary Journal On Humans In ICT Environments 8(2): 179–97.
Oliveira, Tiago, Manoj Thomas, Goncalo Baptista, and Filipe Campos. 2016. “Mobile Payment: Understanding the Determinants of Customer Adoption and Intention to Recommend the Technology.” Computers in Human Behavior 61(August): 404–14.
Orr, G. (2003). Review Diffusion of Innovations, by Everett Rogers (1995). Stanford University, 1(3), 1–7. http://web.stanford.edu/class/symbsys205/Diffusion of Innovations.htm
Prasetyo, B. dan Jannah, L. M. (2010). Metode Penelitian Kuantitatif: Teori dan Aplikasi. Jakarta: Rajawali Pers.
Rogers, E. M. (1983). DIFFUSION OF INNOVATIONS Third Edition. Achieving Cultural Change in Networked Libraries, 105–117. https://doi.org/10.4324/9781315263434-16
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Rogers, E. M. (1962). 17 - Rogers 1995 cap 6.pdf (p. 26).
Sahin, Ismail, and For Rogers. 2006. “Detailed Review of Rogers ’ Diffusion of Innovations Theory and Educational Technology-Related Studies Based on Rogers ’.” 5(2): 14–23.
Septiani, Nurul Wahyu. 2017. “PENGARUH KEUNGGULAN RELATIF, KOMPATIBILITAS, PERSEPSI KEGUNAAN, KEMAMPUAN UNTUK DILIHAT, DAN PERSEPSI RESIKO TERHADAP ADOPSI MOBILE BANKING BAGI NASABAH BCA DI SURABAYA.” : 1–14.
Setiawan, Ebta. (2012). Kamus Besar Bahasa Indonesia. (Kbbi.web.id/inovasi).
Setiawan, Ebta. (2012). Kamus Besar Bahasa Indonesia. (Kbbi.web.id/difusi).
Sugiyono. (2012). Metode Penelitian Kuantitatif Kualitatif dan R&D. Bandung: Alfabeta.
Tokar?íková, Emese, and Alžbeta Kuchar?íková. 2015. “Diffusion of Innovation: The Case of the Slovak Mobile Communication Market.” International Journal of Innovation and Learning 17(3): 359–70.
Tristiyanti, N. D. (2017). PENGARUH KEUNGGULAN RELATIF, KOMPATIBILITAS, PERSEPSI KEGUNAAN, KEMAMPUAN UNTUK DILIHAT, DAN PERSEPSI RESIKO TERHADAP ADOPSI MOBILE BANKING BAGI NASABAH BCA DI SURABAYA. 1–14.
Wang, Yu Bing, Kuan Yu Lin, Lily Chang, and Jason C. Hung. 2011. “A Diffusion of Innovations Approach to Investigate the RFID Adoption in Taiwan Logistics Industry.” Journal of Computers 6(3): 441–48.
Wiratno, Wahyu Eko. 2020. “Analisis Adopsi Aplikasi Uang Elektronik Melalui Pendekatan Teori Difusi Inovasi.” Jurnal Ekonomi dan Bisnis 9(1): 155–77.
Wulandari, D. (2017). PENGARUH INOVASI PRODUK (KEUNTUNGAN RELATIF, KOMPATIBILITAS DAN KOMPLEKSITAS) TERHADAP NIAT PENGGUNAAN MOBILE BANKING BRI (Studi pada Agen LPG 3 Kg di Bandar Lampung).
Aziz, Ahmad. 2021. “Difusi Inovasi Teknologi E-Wallet Terhadap Pola Transaksi Khalayak.” Jakarta?: Universitas Satya Negara Indonesia.
Candraditya, Habsari. 2013. “Analisis Penggunaan Uang Elektronik.” Diponegoro Journal of Management 2: 1–11. http://ejournal-s1.undip.ac.id/index.php/dbr.
Everett M. Rogers. 1983. “DIFFUSION OF INNOVATIONS Third Edition.” Achieving Cultural Change in Networked Libraries: 105–17.
Gumilang, Ilham, and Deden Syarif Hidayatullah. 2018. “Pengaruh Relative Advantage, Complexity, Compatibilty , Subjective Norm, Dan Perceived Behavioral Control Terhadap Niat Berwirausaha Online Pada Lulusan Sekolah Bisnis Di Bandung (Studi Kasus Pada Sekolah Bisnis Manajemen Institut Teknologi Bandung Dan.” E-Proceeding of Management 5(1): 360–69. file:///C:/Users/Owner/Downloads/Review Manajemen Strategi/sekolah bisnis itb.pdf.
Hair, J. F., Sarstedt, M., Hopkins, L., & Kuppelwieser, V. G. (2014). Partial least squares structural equation modeling (PLS-SEM): An emerging tool in business research. European Business Review, 26(2), 106–121. https://doi.org/10.1108/EBR-10-2013-0128
Heru Setianto. (2009). “Daftar 38 E-Wallet atau Dompet Digital Resmi Terdaftar di Bank Indonesia”. Diakses pada 28 November 2023, https://www.heru.my.id/2019/05/e-wallet-legal-di-indonesia.html
Indonesia, B. (2014). Peraturan Bank Indonesia Nomor PBI 16/8/PBI/2014 Tentang Uang Elektronik (Electronik Money). 69, 1–17.
Indonesia, B. (2015). Tugas dan Wewenang Pelaksanaan Bank Indonesia Triwulan IV 2015 dan Tahun 2015. Website, 179. http://www.bi.go.id/id/publikasi/laporan-dpr/Documents/LapTriIV_2015_Tahun2015.pdf
Indonesia, B. (2018). Peraturan Bank Indonesia tentang Uang Elektronik.
Kapoor, Kawaljeet, Yogesh K. Dwivedi, and Michael D. Williams. 2013. “Role of Innovation Attributes in Explaining the Adoption Intention for the Interbank Mobile Payment Service in an Indian Context.” IFIP Advances in Information and Communication Technology 402(2012): 203–20.
Krismawan, Andi. 2013. “Pengaruh Komponen Penerimaan Teknologi Dan Difusi Inovasi Terhadap Niat Berperilaku Menggunakan Telepon Pintar.” : 1–16.
Md Nor, Khalil, J. Michael Pearson, and Altaf Ahmad. 2010. “Adoption of Internet Banking: Theory of the Diffusion of Innovation.” International Journal of Management Studies 17(1): 69–85.
Mndzebele, Nomsa. 2013. “The Effects of Relative Advantage, Compatibility and Complexity in the Adoption of EC in the Hotel Industry.” International Journal of Computer and Communication Engineering 2(4): 473–76.
Nazari, F., F. Khosravi, and F. Babalhavaeji. 2013. “Applying Rogers’ Diffusion of Innovation Theory to the Acceptance of Online Databases at University Zone of Iran.” Malaysian Journal of Library and Information Science 18(3): 25–38.
Ntemana, Tšoenyo Julia, and Wole Olatokun. 2012. “Analyzing the Influence of Diffusion of Innovation Attributes on Lecturers’ Attitude Towards Information and Communication Technologies.” Human Technology An Interdisciplinary Journal On Humans In ICT Environments 8(2): 179–97.
Oliveira, Tiago, Manoj Thomas, Goncalo Baptista, and Filipe Campos. 2016. “Mobile Payment: Understanding the Determinants of Customer Adoption and Intention to Recommend the Technology.” Computers in Human Behavior 61(August): 404–14.
Orr, G. (2003). Review Diffusion of Innovations, by Everett Rogers (1995). Stanford University, 1(3), 1–7. http://web.stanford.edu/class/symbsys205/Diffusion of Innovations.htm
Prasetyo, B. dan Jannah, L. M. (2010). Metode Penelitian Kuantitatif: Teori dan Aplikasi. Jakarta: Rajawali Pers.
Rogers, E. M. (1983). DIFFUSION OF INNOVATIONS Third Edition. Achieving Cultural Change in Networked Libraries, 105–117. https://doi.org/10.4324/9781315263434-16
Roger, E. M. & Shoemaker, F. . (1971). Communication of innovation. In New York: Free Press (p. 476).
Rogers, E. M. (1962). 17 - Rogers 1995 cap 6.pdf (p. 26).
Sahin, Ismail, and For Rogers. 2006. “Detailed Review of Rogers ’ Diffusion of Innovations Theory and Educational Technology-Related Studies Based on Rogers ’.” 5(2): 14–23.
Septiani, Nurul Wahyu. 2017. “PENGARUH KEUNGGULAN RELATIF, KOMPATIBILITAS, PERSEPSI KEGUNAAN, KEMAMPUAN UNTUK DILIHAT, DAN PERSEPSI RESIKO TERHADAP ADOPSI MOBILE BANKING BAGI NASABAH BCA DI SURABAYA.” : 1–14.
Setiawan, Ebta. (2012). Kamus Besar Bahasa Indonesia. (Kbbi.web.id/inovasi).
Setiawan, Ebta. (2012). Kamus Besar Bahasa Indonesia. (Kbbi.web.id/difusi).
Sugiyono. (2012). Metode Penelitian Kuantitatif Kualitatif dan R&D. Bandung: Alfabeta.
Tokar?íková, Emese, and Alžbeta Kuchar?íková. 2015. “Diffusion of Innovation: The Case of the Slovak Mobile Communication Market.” International Journal of Innovation and Learning 17(3): 359–70.
Tristiyanti, N. D. (2017). PENGARUH KEUNGGULAN RELATIF, KOMPATIBILITAS, PERSEPSI KEGUNAAN, KEMAMPUAN UNTUK DILIHAT, DAN PERSEPSI RESIKO TERHADAP ADOPSI MOBILE BANKING BAGI NASABAH BCA DI SURABAYA. 1–14.
Wang, Yu Bing, Kuan Yu Lin, Lily Chang, and Jason C. Hung. 2011. “A Diffusion of Innovations Approach to Investigate the RFID Adoption in Taiwan Logistics Industry.” Journal of Computers 6(3): 441–48.
Wiratno, Wahyu Eko. 2020. “Analisis Adopsi Aplikasi Uang Elektronik Melalui Pendekatan Teori Difusi Inovasi.” Jurnal Ekonomi dan Bisnis 9(1): 155–77.
Wulandari, D. (2017). PENGARUH INOVASI PRODUK (KEUNTUNGAN RELATIF, KOMPATIBILITAS DAN KOMPLEKSITAS) TERHADAP NIAT PENGGUNAAN MOBILE BANKING BRI (Studi pada Agen LPG 3 Kg di Bandar Lampung).
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