Determinan Adopsi Sistem Digital Payment Syariah di Indonesia
Abstract
Tujuan Penelitian: Dilakukanya penelitian ini guna meriset beberapa variabel yang bisa mempengaruhi minat penggunaan pembayaran digital pelaku Usaha Mikro Kecil dan Menengah
Metode Penelitian: Pada penelitian ini menggunakan pendekatan kuantitatif deskriptif dengan populasi para pelaku UMKM di Car free day Klaten. Dengan penerapan teknik cluster sampling pada 150 responden sementara analisis data menggunakan metode Partial Least Square (PLS) berdasar pola SEM-PLS.
Originalitas/Novelty: Pembaruan dari riset ini terletak pada variabel yang digunakan, tempat pelaksanaan penelitian, dan juga waktu pelaksanaan.
Hasil Penelitian: Hasil yang di dapat literasi term of payment digital terjadi ketidak berhasilan dalam memoderasi hubungan antara ketiga variabel utama terhadap minat penggunaan digital payment syariah. Dari temuan tersebut mengindikasikan bhawa praktik UMKM lapangan, dalam keputusan penggunaan digital payment lebih dipengaruhi oleh pengaaman praktis dan kebutuhan transaksi harian daripada pemahaman konseptual terhadap ketentuan pembayaran digital.
Implikasi: Dari temuan ini dapat menjadi fondasi bagi penyedia layanan dan seluruh lembaga keuangan syariah untuk pembentukan rumusan kebijakan pengembangan digital payment yang menitik beratkan pada peningkatan kemudahan penggunaan, mengoptimalkan nilai guna, serta memitigasi risiko keamanan siber.
Research Objectives: This research examined several variables that could influence interest in using digital payments among Micro, Small, and Medium Enterprises.
Research Method: This study used a descriptive, quantitative approach with a population of MSMEs in Klaten on Car-Free Day. The cluster sampling technique was applied to 150 respondents, while data analysis used the Partial Least Squares (PLS) method based on the SEM-PLS pattern.
Originality/Novelty: The updates from this research stem from the variables used, the location where the research was conducted, and the time of implementation.
Research Results: The results of the digital payment literacy study showed that the three main variables failed to moderate the relationship between the three main variables and the intention to use Sharia digital payments. These findings indicate that in the field, MSMEs' decisions to use digital payments are more influenced by practical security and daily transaction needs than by a conceptual understanding of digital payment provisions.
Implications: These findings can serve as a foundation for service providers and all Islamic financial institutions to formulate digital payment development policies that focus on increasing ease of use, optimizing utility value, and mitigating cybersecurity risks.
Keywords
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DOI: https://doi.org/10.30596/jakk.v9i2.29466
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