Analisis Determinan Adopsi Dompet Digital: GoPay Indonesia dan MoMo Vietnam: Determinants of Digital Wallet Adoption: GoPay Indonesia and MoMo Vietnam

Pandu Hidayat Sinaga; Norra Isnasia Rahayu; Riky Perdana; Nguyen Thai Ha

doi:10.37859/jae.v15i2.11228

Authors

Pandu Hidayat Sinaga Universitas Muhammadiyah Riau
Norra Isnasia Rahayu Universitas Muhammadiyah Riau
Riky Perdana Universitas Muhammadiyah Riau
Nguyen Thai Ha University of Economics and Finance

DOI:

https://doi.org/10.37859/jae.v15i2.11228

Keywords: Digital wallet; Technology adoption; User perception; GoPay; MoMo.

Abstract

Penelitian ini bertujuan untuk menganalisis dan membandingkan faktor-faktor yang mempengaruhi adopsi dompet digital di Indonesia dan Vietnam dengan menggunakan pendekatan Technology Acceptance Model (TAM) yang diperluas. Variabel yang digunakan meliputi Perceived Usefulness, Perceived Ease Of Use, Trust, Social Influence, dan Perceived Risk terhadap niat menggunakan (intention to use). Penelitian ini menggunakan metode kuantitatif dengan pendekatan kausal-komparatif dan data diperoleh dari 200 responden pengguna GoPay di Indonesia dan MoMo di Vietnam melalui kuesioner daring. Analisis data dilakukan menggunakan Partial Least Squares Structural Equation Modeling (PLS-SEM) dengan bantuan SmartPLS 4.0. Hasil penelitian menunjukkan bahwa perceived usefulness dan perceived ease of use berpengaruh positif signifikan di kedua negara. Trust memiliki pengaruh yang lebih kuat di Indonesia, sedangkan Social Influence lebih dominan di Vietnam. Sementara itu, Perceived Risk berpengaruh negatif signifikan hanya di Indonesia. Temuan ini mengindikasikan adanya perbedaan determinan adopsi yang dipengaruhi oleh konteks budaya dan ekosistem digital masing-masing negara.

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