ANALISIS FAKTOR-FAKTOR YANG MEMPENGARUHI ADOPSI - Global Scientific ...

GSJ: Volume 9, Issue 1, January 2021
 ISSN 2320-9186 1839

 GSJ: Volume 9, Issue 1, January 2021, Online: ISSN 2320-9186
 www.globalscientificjournal.com

 ANALISIS FAKTOR-FAKTOR YANG MEMPENGARUHI ADOPSI
 MOBILE PAYMENT MELALUI APLIKASI ANGGOTAKU
 DI KALANGAN MERCHANT
 (Studi Kasus Anggota KSPPS Bakti Huria Syariah Sulawesi Selatan)

 ANALYSIS OF FACTORS AFFECTING ADOPTION
 MOBILE PAYMENT THROUGH THE APPLICATION ANGGOTAKU
 AMONG THE MERCHANT
 (Case Study of KSPPS Bakti Huria Syariah Members of South Sulawesi)
 Andi Amri
 Gagaring Pagalung
 Jusni
 Universitas Hasanuddin
 Andiamri072@gmail.com

 ABSTRAK
 Penelitian ini bertujuan untuk membantu menyelesaikan permasalahan yang terdapat
di dalam Penggunaan Aplikasi AnggotaKU, sehingga masalah mengenai hubungan manfaat,
risiko, kenyamanan, dan prospek terhadap adopsi m-payment dan tingkat pendapatan
menggunakan layanan aplikasi AnggotaKU pada KSPPS Bakti Huria Syariah. Desain dalam
penelitian adalah non eksperimental dan jenis penelitian adalah penelitian eksplanatori atau
pengujian hipotesis yang menjelaskan pengaruh variabel independen terhadap variabel
dependen. Perolehan dapat melalui kuesioner yang melibatkan 167 responden pengguna
aplikasi AnggotaKU di Sulawesi Selatan dan dianalisis menggunakan exploratory factor
analysis and structural equation modeling. Hasil penelitian ini menunjukkan bahwa menfaat,
risiko, kenyamanan, dan prospek berpengaruh secara signifikan terhadap adopsi m-payment
dan tingkat pendapatan menggunakan layanan transaksi keuangan melalui aplikasi
AnggotaKU. Penemuan ini menunjukkan bahwa faktor-faktor seperti manfaat, risiko,
kenyamanan, dan prospek dapat memberikan pemahaman dan kerangka yang berguna
kepada penyedia layanan keuangan aplikasi AnggotaKU mengenai aspek layanan yang harus
ditingkatkan dalam mengimplementasikan layanan transaksi keuangan digital, agar mampu
mendorong dan meningkatkan intensitas penggunaan m-payment.
Kata kunci: Manfaat, Risiko, Kenyamanan, Prospek, Adopsi m-payment, dan tingkat
pendapatan

 ABSTRACT
 This study aims to help solve the problems contained in the use of the Application
AnggotaKU, so that problems regarding the relationship of benefits, risks, convenience, and
prospects for the adoption of m-payment and income levels using the application AnggotaKU
services at KSPPS Bakti Huria Syariah. The design in this research is non-experimental and
the type of research is explanatory research or hypothesis testing that explains the effect of
the independent variable on the dependent variable. Acquisition can be obtained through a
questionnaire involving 167 respondents who use the application AnggotaKU in South
Sulawesi and analyzed using exploratory factor analysis and structural equation modeling.
The results of this study indicate that the benefits, risks, convenience, and prospects have a
significant effect on the adoption of m-payments and the level of income of using financial
transaction services through the application AnggotaKU. These findings indicate that factors
such as benefits, risks, convenience, and prospects can provide a useful understanding and
framework for the financial service providers of the application AnggotaKU regarding the
aspects of services that should be improved in implementing digital financial transaction
services, in order to be able to encourage and increase the intensity of use m -payment.
Keywords: Benefits, Risks, Convenience, Prospects, Adoption of m-payment, and income
level
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GSJ: Volume 9, Issue 1, January 2021
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 1. INTRODUCTION (AnggotaKU). Seeing the condition of the
 The development of internet technology existence of m-payment (Anggotaku) at
in the last two years has undeniably brought KSPPS-BHS for Cooperative Member
many benefits to its users, both in terms of services, it can be done by utilizing m-
communication, information dissemination,
 payment facilities (Anggotaku) in making
lifestyle, and distribution of goods and
services. In Indonesia, the percentage of transaction payments by cooperative
internet usage has reached 56% of the total members. The facilities of MY Members in
268.2 million Indonesian population in 2019. this case are balance check, mutation check,
Mobile phones, especially smartphones, are transfer between members, pay telephone /
arguably an important element that unites indihome bills, pay postpaid PLN bills,
communication and entertainment functions purchase PLN tokens, purchase credit, pay
(Abrahao, Moriguchi, & Andrare, 2016).
 postpaid card bills, pay healt BPJS, fill in E-
 The provision of m-payment services in Money balances and Tap Cash BNI, PDAM
Indonesia is supported by Bank Indonesia bill payments, OVO balance top-up, Gopay,
(BI) through the “National Non-Cash Shopee pay, DANA, and zakat / donations.
Movement” campaign. This movement
started in 2014 (August 2018). Apart from KSPPS Bakti Huria Syariah has
innovation in payment systems, companies introduced the Anggotaku Application since
must be able to properly recognize the October 2016, but until now, June 2020 the
needs of their users. Understanding level of use of electronic transaction facilities
consumers will be able to help understand through AnggotaKU at KSPPS Bakti Huria
the achievement of maximum performance Syariah has only reached 14% of existing
in providing the best service for consumers. transactions. This is much smaller than
 manual transactions which account for 86%
 In the non-cash movement as conveyed of total transactions. If this continues to be
by the Minister of the Economy at the clear in the future it will be able to result in a
launching of the National Non-Cash longer return on investment that has been
Movement (GNNT) on August 14, 2014, of issued by KSPPS Bakti Huria Syariah for
course, it provides benefits of increasing Anggotaku so that it can threaten the KSPPS
financial efficiency and productivity which Bakti Huria Syariah m-payment program. For
can encourage economic growth and this in the future, KSPPS Bakti Huria Syariah
increase people's welfare as indicated by an needs to increase the level of use of m-
increase in velocity of money (Imam Bukhori, payment (Anggotaku) so that it is at least
2018 in Pramono, 2006). The equal to the current manual transactions, so
implementation of non-cash movements can that the level of service income obtained
be done by using cellphone payments from the services of Anggotaku can be
(Untoro, 2013). Wijaya (2013), also said that increased which in turn is the return on
technology in the mobile is a payment investment. in the field of m-payment that
system using a smartphone called mobile has been implemented it can be realized
payment. immediately as planned, on the other hand,
 This research was conducted at KSPPS- the successful adoption of m-payment.
BHS (Cooperative for Savings and Loans However, from 687 or 14% of the number of
Financing Bakti Huria Syariah) South users referred to the data above, however,
Sulawesi which implements m-payment they are not yet active in making

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transactions from the total of 687 members. overall productivity of the business and thus
As a percentage of the total 687 members increase revenue.
who use m-payments (Anggotaku), based on
data on the use of m-payment, Anggotaku 2) Cost Reduction
actively reach 83% while the remaining 17% Mallat and Tuunainen (2008) define that
are not actively using m-payments which can reduce costs (Cost reductions)
(Anggotaku). There is still a lack of interest that paying by mobile can speed up
from cooperative members (customers) to payments, be more efficient, free up
adopt m-payments (Anggotaku). From this resources for other purposes, complaints
problem researchers want to know the can be managed easily and help staff to
factors that influence cooperative members concentrate on more important activities.
in adopting Anggotaku, besides whether Likewise, the survey conducted shows that
there is an impact after cooperative merchants adopting m-payments are mostly
members adopt Anggotaku. about cost reductions, while merchants who
 have no intention of adopting also see
 To look for factors, researchers refer to potential benefits in the form of reduced
the framework of factors that influence m- costs. There is a statistically significant
payment adoption among merchants by difference that supports the finding that high
Mallat and Tuunainen (2008), Petrova and fees are a barrier for merchants to adopt m-
Wang (2013) and relevant previous payments.
researchers. These factors are benefits, Petrova and Wang (2013) stated that cost
risks, convenience, and prospects. reduction is with lower transaction costs
 compared to existing payment mechanism,
 easy in processing other activities,
 1. Literature Review
 employees can concentrate on more
1.1. Allocation of village funds
 important tasks. Hayashi and Bradford
The variables discussed in table 2.1 can be
 (2014) in a merchant perspective revealed
explained as follows:
 that cost reduction if it reduces payment
 processing costs.
1) Increased sales
Mallat and Tuunainen (2008) explain that m-
 3) Mobility
payment can increase sales, because it is
 Mallat and Tuunainen (2008) concluded from
compatible with the available payment
 the results of merchant interviews, that they
options. This is compatible with the
 are interested in alternative payment
company's work routine, besides m-
 instruments, because not all customers bring
payment. is a new service that can expand
 cash and the time and place of independent
product sales, enhance the image of
 purchase and increased purchases can be
merchants and improve customer service. A
 made as desired.
recent finding is that merchants perceive the
new payment system as a form of customer
 4) Perceived usefulnes
service.
 The degree to which consumers believe that
Meanwhile, according to Petrova and Wang
 using a mobile device will provide payment
(2013) the efficiency factor becomes a new
 benefits for purchases (Wang 2012). The
service which will lead to an increase in the
 survey results support the findings of

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qualitative data, factor analysis on authentication seemed to increase ease of
merchants produces three types of benefits use.
of m-payment, namely increased sales,
reduced costs, and benefits of mobility, Alert (2012) shows the level of ease felt
namely, independent purchase time and when using e-money for transactions. The
place and increased impulsive purchases level of convenience is measured using the
(Mallat and Tuunainen, 2008). following indicators: (1) extensive merchant
 network; (2) smooth transactions; (3) easy
5) Perceived ease of use (PEOU) access to refill points; (4) satisfactory
Mallat and Tuunainen (2008) in their merchant service; (5) easy access to on-line
research in terms of payment application, services when having problems; and (6) low
some respondents considered messages to transaction costs.
be difficult to remember. others find it too
difficult to use in general. The separate m- 6) Trust and Security
payment account has received a lot of Trust and security are factors that are often
criticism because of its complexity. discussed in m-payment research, which can
Merchants believe that separate accounts explain that cooperation partners, such as
can hinder customer adoption, because it is financial institutions and telecommunications
inconvenient for customers to register, open operators, can be trusted and safe. Cell
accounts, and deposit money in separate phones and networks that are reliable
places. It is also difficult for customers to enough for payment transactions, it can be
manage separate accounts, to transfer said that m-payment has a small risk of
money between different accounts, and to violation in Wang (2012).
keep track of different account balances.
 As explained by Mallat and Tuunainen
According to merchant comments, there is (2008) in a qualitative study, the majority of
no ideal solution on the market so far. The respondents feel relatively secure in mobile
ideal solution is quick and easy with little to payments, but there are some concerns
do or several steps during the payment about the security and reliability of the new
process. Speed is considered an important payment system. It is also expressed by
factor, especially in cash flow, but also for most merchants that instant or fast
various digital services. From the merchant's confirmation of payment transactions
point of view, the new payment solution represents one level of security.
should also be easy to integrate into the
existing system and easy to process during The trust and security factors in the survey
transactions. results show that the majority of merchants
 and service providers consider reliable
Dahlberg and Mallat (2002) easy of use is mobile devices and networks for making
considered the most important aspect of m- payments. In general, mobile payments are
payment. Note that this is against the TAM considered a safe payment method, and a
(Technological Acceptance Model) which trusted m-payment service provider.
emphasizes the role of usability. The idea of Interestingly, there was no significant
using a PIN code for identification and difference in trust in m-payment service
 providers between adopting and non-

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adopting merchants. However, merchants Low fees are defined as the m-payment
who intended to adopt mobile payments in transaction costs as part of the purchase
the future considered mobile technology to price (Petrova and Wang, 2013). Also
be more reliable than merchants who had no mentioned is the research of Dalhberg and
intention of adopting it. Mallat (2002), which discusses the cost
 factor in m-payment, which states that the
Tobbin (2010) in his research that trust is negative response to increasing costs, in
defined as a measure of the level of their interview, does not want to use mobile
customer assurance that the service will be payments if the price is higher than
provided with the minimum possible conventional payments.
resistance. Research reveals that trust in
mobile commerce can be divided into two 9) Efficiency
categories: trust in mobile technology and All transactions must be faster than other
trust in cellphone vendors (Siau and Shen, transactions, so orders can be delivered
2003). faster and the lack of use of m-payments
It says risk is defined as consumer thus slows down the process
confidence about the definite potential
negative outcome of mobile money transaction. The most significant factor
transactions. The consumer's desire to affecting merchant demand for m-payment is
minimize the risk of displacing their efficiency (Petrova and Wang, 2013).
willingness to maximize utility and thus their Petrova and Wang (2013) stated that the
perception of subjective risk largely efficiency factor is considered a factor that
determines their behavior (Bauer et al., has an impact on customer convenience,
2005). thereby increasing revenue.

7) Network externalities 10) Merchant Income
Mallat and Tuunainen (2008) in their Petrova and Wang (2013) say that merchant
research, one of the significant obstacle income is a business result generated as a
factors for merchants to adopt is the lack of result of m-payments.
perceived customer adoption in m-payments.
Merchants were hesitant to adopt that their 11) Convenience
solution was deemed impossible to reach a Petrova and Wang (2013) say a factor that
broad user base among customers. This contributes to merchant convenience and
barrier relates to the concept of network has the potential to increase revenue is the
externality in payment system adoption. time it takes merchants to make less
 payments. Convenience and short time are
It is strengthened by the opinion of Dahlberg seen as having a positive effect on the
and Mallat (2002) that the acceptance of business and the most important thing is that
Network externalities can be widely accepted the payment processing time can be faster
to make mobile payment solutions, provided with this technology.
that it is used routinely and the habit of using
mobile payments reaches a large scale. Adoption of Innovations
 Adoption is the decision to use a new idea
8) Low fees entirely as the best way of acting. The

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innovation decision is a mental process, from was 167 respondents who were determined
the time a person recognizes an innovation by the Slovin formula.
to make a decision to accept or reject it and
then confirms it. Innovation decisions are a 
 =
unique type of decision making (Suprapto 1 + 2
 287
and Fahrianoor, 2004). =
 1 + 287(0,05)2
Rogers (1983) states that adoption is a = 167
mental process, in making decisions to The sampling technique used was
accept or reject new and asserted ideas convenience sampling, namely sampling
including wireless handsets, personal digital based on the availability of elements and the
assistants (PDA), radio frequency (RF) ease of obtaining them according to the
devices, and communication-based devices research needs. Samples were taken or
by (Dewan and Chen 2005 in Untoro 2013). selected because the samples were at the
In the law book, information and electronic right place and time. The implementation of
transactions (ITE) m-payment is a form of distributing questionnaires in this study was
financial transaction from users of certain carried out by means of accidental sampling,
financial products to certain merchants who namely conducting research when the
also provide services for such transactions. researcher met directly with the respondent.
The form of m-payment includes transfers
via sms banking (Pratiwi, 2009), however, it Types and Sources of Data
is possible that transfers can be made using The type of research used is descriptive
mobile banking. research, while the research method used is
 quantitative methods. A quantitative
The m-payment model descriptive approach is a technique of
Referring to the Smart Card Alliance (2008) collecting, managing, simplifying, presenting
category in Untoro's (2013) study, the m- and analyzing data in order to provide an
payment model can be categorized into four orderly picture of an event with observations
applicable scenarios, namely the operator- that can be expressed as numbers. Field
centric model, the bank-centric model, the observations were made to explore
peer to peer model, and the collaboration information obtained from respondents using
model. a questionnaire (Sugiyono, 2003).

3. RESEARCH METHOD A data source is anything that can provide
3.1. Population, sample and sampling information about data. Based on the source,
technique data can be divided into two, namely primary
The population in this study were members data and secondary data.
of the KSPPS Bakti Huria Syariah, South
Sulawesi Province who used the Anggotaku 1. Primary data is data made by a
in their transaction payment system. The researcher for the specific purpose of
number of visitors to the Anggotaku solving the problem he is currently
application was 687 people and active users handling. The data is collected by the
in making transactions by 287 people as of researcher directly from the first source
June 2020. The sample used in this study

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 or the place where the research object variable. The dependent variable in this
 was carried out. study is the adoption of m- payment (Y1) and
2. Secondary data, namely data that has income level (Y2), while the independent
 been collected for purposes other than variable consists of two characteristics,
 solving the problem at hand. This data namely demography and technology. while
 can be found quickly. In this study, the technological characteristics referred to
 secondary data sources are literature, are Benefits (X1), Risk (X2), Convenience
 articles, journals and sites on the (X3), and Prospects (X4).
 internet relating to the research
 conducted. The operational definition of a variable can
 be described from several variable
 definitions that limit each term used in this
Method of collecting data
 study.
Data collection methods used in this study
 The relationship inherent in the technology
are:
 system which can be seen from several
 factors, including:
1. Documentation Method
The method of documentation in this study is
 a. Benefits (X1)
intended to obtain data by means of
 Measuring the level of benefits felt by
documentation, namely studying documents
 Cooperative Members by making
related to all the data required in the study.
 transactions using Anggotaku. The level of
Documentation of the origin of the word
 benefits can be measured based on the
document which means written goods. In
 analysis of previous research variables
carrying out the documentation method,
 described by Mallat and Tuunainen (2008),
researchers investigate written objects such
 the factor analysis of merchants produces
as company financial reports and other
 three types of benefits of m-payment,
documents within the company that are
 namely increase in sales, mobility, namely,
relevant to research interests.
 time and place of purchase. do it yourself
 and purchase as you wish. Cost reductions
2. Observation
 and variable low fees expressed by Petrova
To obtain research data, the authors
 and Wang (2013), with transaction costs
conducted observations, by surveying the
 included as part of the purchase also provide
research location at KSPPS Bakti Huria
 benefits to merchants.
Syariah South Sulawesi and direct interviews
with employees and members of
 b. Risk (X2)
cooperatives who use the Anggotaku
 Risk is defined as the customer's perception
Application in order to obtain authentic and
 of the uncertainty and consequences that will
specific data.
 be faced after carrying out certain activities
 (Hadi, 2015). From previous research, the
Research Variables and Operational
 variables that are included in the risk are
Definitions
 trust (Trust) and security (Security).
 Respondents' desire for a sense of security
The variables in this study consisted of the
 regarding mobile payments, but there are
dependent variable and the independent
 some concerns about the security and

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reliability of the new payment system. For
most merchants, Instant or instant e. Adoption of m-payment (Y1)
confirmation of payment transactions It is a transaction service facility that can be
represents one level of security. Trust and accessed directly by members via
security factors in the survey results show smartphone using internet network media
that the majority of merchants and service combined with SMS (Short Message
providers consider reliable mobile devices Services) media.
and networks to make payments (Mallat &
Tuunainen, 2008) and also the level of risk f. Income level (Y2)
expressed by Tobbin (2010) in his research, Income can be defined as income obtained
trust is defined as a measure level of from a job, according to Stice, Skousen,
customer assurance that service will be (2004: 230) definition of income, defined as
provided with minimum possible resistance. follows:
Research reveals that trust in mobile Income is an inflow or other increase in the
commerce can be divided into two value of the assets of a business unit or the
categories: trust in mobile technology and termination of its debts or a combination of
trust in cellphone vendors (Siau and Shen, the two in a period as a result of the delivery
2003). or production of goods, delivery of services,
Consumers' desire to minimize risk replaces or the performance of other activities that
their willingness to maximize utility and thus shape the operations. the continuing main or
their subjective risk perception largely central operation of the business unit.
determines their behavior (Bauer et al., In this study, the authors limit that Member
2005) in Tobbin's research (2010). income is the result of increased
 transactions because the impact on income
c. Comfort (X3) occurs through increased sales of quality
Convenience in using m-payment, according products (Fatrio, 2006). Member income is
to Petrova & Wang (2013) contributes to defined as the level of frequency of use or
customer convenience and has the potential intensity of m-payment transactions.
to increase revenue (Increase sales). The use of non-cash payments in addition to
 increasing Member income through reducing
d. Prospects (X4) transaction costs and saving time also
According to Petrova and Wang (2013) it is increases Member income through interest
considered a prospect if there is income income earned from cash funds that should
generated as a result of m-payment whereas be carried in every transaction but placed in
Mallat and Tuunainen (2008) consider the the bank in the form of savings. (Pramono
prospect if mobile payments have gained B., 2006).
visibility in the market.
According to Utama (2011), the development Research Instruments
of cellphone technology in the future, many The research instrument was obtained by
people are optimistic that this technology can collecting data in the form of a questionnaire.
replace the function of making payments. So The number of instruments depends on the
that researchers see that cellphones is a number variables to be used. The indicators
mobile device that is always carried by the are determined for these variables. Then the
customer.

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variable indicators are described by question significance. The criterion is able to reflect
or statement items. the latent variable, if the critical value is
 greater than 1.96, it is significant with a 95%
3. RESEARCH RESULTS confidence level (Hair et al., In Haryono and
 Wardoyo, 2012). In the modified model as in
4.1. Test data quality table 4.11 shows that all loading factors have
a. Reliability a value above 0.35 and a critical value is
Reliability testing uses contruct reliability with greater than 1,967, so that the constructs for
a cut off value of at least 0.70 (Hair et al. In all variables are valid and none are
haryono and wardoyo, 2012). A construct is eliminated from the model.
said to be realistic if it shows the value of the
contruct reliability of each construct is Tabel 4.11 Hasil Uji Reabilitas dan
greater than 0.70. Thus, based on Table Validitas
5.13 it shows that all the constructs used in Varia Indik Stan Nilai Con Ketera
this study are greater than 0.70, so all bel ator dar- t stru ngan
 dize ct
constructs are reliable.
 d Real
 Loa ibilit
b. Validity ding y
The validity test was carried out using Fact
confirmatory factor analysis on each latent or
variable through the IBM SPSS AMOS Manfa X11 1.00 - 0.74 Realibi
version 21 program. The factor analysis at X12 0 8.28 ltas
 (X1) X13 1.25 5 dan
used in this study was EFA (Exploratory X14 6 8.75 validita
Factor Analysis). The factor loading value 1.01 8 s baik
was determined based on the number of 1 7.51
samples in the study (Hair et al. in Haryono 1.10 6
and Wardoyo, 2012). Convergent validity in 9
EFA is achieved when the indicators of a Risiko X21 1.00 - 0.92 Realibi
certain variable are grouped into one (X2) X22 0 10.7 ltas
 0.92 90 dan
component with a factor loading value of a 5 validita
predetermined limit based on the number of s baik
research samples. This study used 298 Kenya X31 0.94 9.95 0.89 Realibi
samples, so the loading factor of the EFA mana X32 1 5 ltas
must reach 0.35. n (X3) X33 1.25 11.0 dan
 6 47 validita
 1.00 - s baik
In addition, the factor analysis used to test
 0
the validity of this study is CFA (Confirmatory
 Prosp X41 1.90 9.95 0.89 Realibi
Factor Analysis). CFA is a way to test how ek X42 9 5 ltas
up the measured variable represents a (X4) 1.00 - dan
construct. To see the significant value of the 0 validita
CFA, it can be seen from the critical value s baik
(critical ratio) generated. The critical score is Adops Y11 0.87 12.4 0.93 Realibi
a value from a statistical test (t-test and f- i (Y1) Y12 9 81 ltas
 1.00 - dan
test) that describes a certain level of

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 0 validita The estimation results of the Goodness of Fit
 s baik indices for the overall model are as follows:
Tingk Y21 1.11 6.76 0.89 Realibi Chi-square with the estimation result =
 at Y22 8 1 ltas 219.062 (Good Fit) Probability with the
Pend 1.00 - dan
 estimation result = 0.073 (Good Fit), CMIN /
apata 0 validita
n (Y2) s baik DF with an estimated result of 1.153 (Goof
 Fit), GFI estimation result = 0.949 (Good Fit),
1. Structural Equation Modeling Analysis RMSEA with estimation result = 0.023 (Good
 and Model Testing Based on Fit), RMR with estimation result = 0.014
 Goodness-of-Fit Criteria (Good Fit), CFI with estimation result = 0.989
 9 (Good Fit), TLI with estimation result =
 The data analysis used in this research is 0.920 ( Good Fit), and NFI with the
 Structural Equation Modeling (SEM) by first estimation result = 0.924 (Good Fit)
 testing its dimensions by using confirmatory
 factor analysis. By using covariance-based Tabel 4.12 Kriteria Goodness of Fit Index
 structural Equation Modeling analysis, the Model
 analysis of the results of this study begins Good of Cut-off Hasil Evaluas
 with a discussion of the unity of the –Fit Value Estimas i Model
 conception dimension as measured by Index i
 Confirmatory Factor Analysis, the term Chi- Diharapka 219.062 Good Fit
 unitary dimension refers to the definition of a Square n Kecil
 set of indicators or variables that underlien a Probabilit ≥ 0.05 0.073 Good Fit
 y
 construct (Hair et al. In Haryono and
 CMIN/DF ≤2 1.153 Good Fit
 Wardoyo, 2012). Thus the main purpose of GFI ≥ 0,90 0.949 Good Fit
 CFA is to confirm or evaluate the suitability RMSEA ≤ 0,08 0.023 Good Fit
 of the proposed model. The research model RMR ≤ 0,05 0.014 Good Fit
 image processed using the AMOS program CFI ≥ 0,90 0.989 Good Fit
 can be seen in the appendix. TLI ≥ 0,90 0.981 Good Fit
 NFI ≥ 0,90 0.924 Good Fit
 The analysis of the results of data Source: Model Fit Summary Results,
 processing at the full model SEM stage is appendix
 carried out by performing a suitability test
 and statistical test, after analyzing the The results of the statistical test for the
 unidimensionality level of the variables whole, for the level of fit that can be required
 forming indicators. latent tested for in the absolute fit model measurement, using
 confirmatory factor analysis. To ensure that the Parsimony principle (Solimun, 2008)
 the constructed model is able to represent which states at least one model criterion
 the results of the analysis well, it is which states Good fit. Table 4.12 shows that
 necessary to analyze the fit model with there are all model criteria that meet the
 several criteria. The criteria that will be used Goodness of Fit Index criteria so that the
 to evaluate the model of these effects are degree of fit between the data and the model
 shown in Table 4.12. to evaluate the model is good (Good Fit).
 of these influences is shown in Table 4.12.
 2. Hypothesis Testing

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GSJ: Volume 9, Issue 1, January 2021
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 The significance of the estimated parameters The results of testing the first hypothesis
 provides very useful information about the show that the relationship between the
 relationship between the research variables. benefit variable (X1) and adoption (Y1)
 The basis used in testing the hypothesis is to shows the path coefficient value of 3.298
 look at the p value, if the p value is less than with a cr value of 0.208. This value is greater
 0.05, the relationship between variables is than the t table (1.967) and the probability
 significant. Table 4.13 provides the output level is below 0.05 (0.00

GSJ: Volume 9, Issue 1, January 2021
 ISSN 2320-9186 1850

d. Hypothesis Testing H4 (Effect of services. These results support social
Prospects on the Adoption of m-payment in cognitive theory.
the Anggotaku Application) 2. Risk affects adoption and income.
The results of testing the fourth hypothesis This means that risks have a positive
show that the relationship between the impact on the adoption and revenue
Prospect (X4) and adoption (Y1) variable of financial transaction services
shows the path coefficient value of 0.398 through the Anggotaku application.
with a t value of 3.625.The value is greater The lower the risk someone is likely
than the t table (1.967) and the probability to face, the more people will adopt
level is below 0.05 (0.001

GSJ: Volume 9, Issue 1, January 2021
ISSN 2320-9186 1851

 levels from the Anggotaku application financial transaction services that
 service. These results support social are offered continuously.
 cognitive theory. It is hoped that Anggotaku will
 Suggestions understand the prospects for
 Based on the research conclusions, Anggotaku users. The decision of
 several suggestions are the community to use digital
 recommended for the following financial transaction services is
 research. inseparable from their prospects
 1. It is expected that Anggotaku who want to increase income.
 pay attention to the benefit Therefore, Anggotaku need to set
 factors for the users who are the clear and specific targets in
 target of the value of the services accordance with the wishes of the
 provided. Because service users community in using financial
 will use various ways in transaction services for
 evaluating the technology Anggotaku, so that the number of
 services offered. Users who have Anggotaku users for non-cash
 higher self-confidence or abilities transactions also increases.
 will have an awareness of the
 importance and benefits of DAFTAR PUSTAKA
 technology services.
 Compeau, D. R., dan Higgins, C. 1995.
 Furthermore, users will be more
 Computer Self-Efficacy: Development
 aware of the value provided by of Measure and Initial Test. MIS
 the service and result in the Quarterly Vol. 19 No. 2, 189-211.
 formation of an intention to buy
 and use the technology service. Dahlberg, T., Mallat, 2002. Mobile payment
 Service Development Managerial
 2. It is expected that Anggotaku will
 Implications Of Customer Value
 further reduce the risk factors that Perceptions, Finland: Helsinki School
 may occur by users of non-cash of Economics, ECIS Proceedings,).
 financial transaction services.
 Because maintaining the trust of Davis, F. D. 1989. Perceived Usefulness,
 Anggotaku users will make them Perceived Ease of Use, and User
 Acceptance of Information
 loyal to continuously use the Technology. MIS Quarterly, Vol. 13.
 financial transaction services No. 3, 68-78.
 provided.
 3. 3. It is expected that Anggotaku Hadi, S. 2015. Faktor-Faktor Yang
 pay attention to the convenience Mempengaruhi Penggunaan Layanan
 Mobile Banking, Jurnal OPTIMUM
 factor in using the financial
 Volume 5, Universitas Ahmad Dahlan
 transaction services offered.
 Because the convenience of Haryono, Siswoyo, dan Wardoyo, Partowo.
 users or potential users is very 2012. Structural Equation Modelling.
 important for every service Bekasi: PT. Intermedia Personalia
 Utama
 provider, especially Anggotaku,
 so that they are willing to use the Hayashi, and Bradford, 2014 Mobile
 payment perspective merchant,

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 www.globalscientificjournal.com

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 ISSN 2320-9186 1852

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