Pengaruh Perceived Ease of Use, Perceived Usefulness, dan Perceived Enjoyment Terhadap Minat untuk Terus Menggunakan Aplikasi Investasi di Indonesia

Ivan Agus Setiawan Pambudi; Widyarso Roswinanto; Ciu Heny Meiria

doi:10.34149/jmbr.v20i3.577

Pengaruh Perceived Ease of Use, Perceived Usefulness, dan Perceived Enjoyment Terhadap Minat untuk Terus Menggunakan Aplikasi Investasi di Indonesia

Ivan Agus Pambudi - Sekolah Tinggi Manajemen PPM, DKI Jakarta
Widyarso Roswinanto - Sekolah Tinggi Manajemen PPM , & Sekolah Tinggi Manajemen PPM, DKI Jakarta , &
Ciu Meiria - Sekolah Tinggi Manajemen PPM, DKI Jakarta

Abstract

This study aims to determine the effect of perceived ease of use, perceived usefulness, and perceived enjoyment on the intention to continue using investment applications in Indonesia. This research uses the TAM model with the novelty of examining perceived enjoyment in investment applications. Survei was administered involving 328 respondents who had ever made transactions purchasing investment products on investment applications. Data were analyzed by SEM using the JASP application. This research was conducted by analyzing the results of questionnaires from 328 respondents who had made investment product purchase transactions in investment applications. This study uses JASP as a tool for conducting SEM analysis. This study shows that perceived usefulness and perceived enjoyment have a positive and significant effect on intention to continue using. Meanwhile, perceived ease of use has a positive and significant effect on perceived usefulness and perceived enjoyment. However, perceived ease of use has a negative and insignificant relationship to intention to continue using directly. The most significant effect on intention to continue using is perceived enjoyment. Therefore, companies need to pay attention to things that are directly related to perceived enjoyment to make consumers continue to use investment applications.

Keywords

Intention to Continue Using; Investment Application; Perceived Ease of Use; Perceived Enjoyment; Perceived Usefulness

Full Text:

PDF (Bahasa Indonesia)

References

Abdullah, F., Ward, R., & Ahmed, E. (2016). Investigating the influence of the most commonly used external variables of TAM on students’ perceived ease of use (PEOU) and perceived usefulness (PU) of e-portfolios. Computers in Human Behavior, 63, 75–90. https://doi.org/10.1016/j.chb.2016.05.014

Alalwan, A. A., Dwivedi, Y. K., Rana, N. P., & Simintiras, A. C. (2016). Jordanian consumers’ adoption of telebanking: Influence of perceived usefulness, trust and self-efficacy. International Journal of Bank Marketing, 34(5), 690–709. https://doi.org/10.1108/IJBM-06-2015-0093

Aulivia, A. (2022). Tren investasi meningkat, 71% orang indonesia berinvestasi lewat aplikasi | SWA.co.id. SWA Online. https://swa.co.id/swa/trends/tren-investasi-meningkat-71-orang-indonesia-berinvestasi-lewat-aplikasi

Chatterjee, S., & Kumar Kar, A. (2020). Why do small and medium enterprises use social media marketing and what is the impact: Empirical insights from India. International Journal of Information Management, 53(February), 102103. https://doi.org/10.1016/j.ijinfomgt.2020.102103

Chen, S. C., Liu, S. C., Li, S. H., & Yen, D. C. (2013). Understanding the mediating effects of relationship quality on technology acceptance: An empirical study of e-appointment system. Journal of Medical Systems, 37(6). https://doi.org/10.1007/s10916-013-9981-0

Chesney, T. (2006). An acceptance model for useful and fun information systems. Human Technology, 2(October), 225–235.

Chin, L. P., & Ahmad, Z. A. (2015). Perceived enjoyment and malaysian consumers’ intention to use a single platform e-payment. SHS Web of Conferences, 18, 01009. https://doi.org/10.1051/shsconf/20151801009

Chin, W. (2000). Partial least squares for is researchers: an overview and presentation of recent advances using the PLS approach. Proceedings of the 21st International Conference on Information Systems, ICIS 2000, 741–742.

Davis, F. D. (1986). A technology acceptance model for empirically testing new end-user information systems: Theory and results. Science, 146(3652), 1648–1655. https://doi.org/10.1126/science.146.3652.1648

Ermawati, N., & Delima, Z. M. (2016). Pengaruh persepsi kemudahan penggunaan, persepsi kegunaan, dan pengalaman terhadap minat wajib pajak menggunakan sistem e-Filing. Jurnal Akuntansi Indonesia, 5(2), 163. https://doi.org/10.30659/jai.5.2.163-174

Hair, J. F. H., Risher, J. J., Sarstedt, M., & Ringle, C. M. (2018). When to use and how to report the results of PLS-SEM. European Business Review, 31(1), 2–24. https://doi.org/10.1108/EBR-11-2018-0203

Hasan, A. A.-T., Sumon, S. M., Islam, M. T., & Hossain, M. S. (2021). Factors influencing online shopping intentions: The mediating role of perceived enjoyment. Turkish Journal of Marketing, 6(3), 239–253. https://doi.org/10.30685/tujom.v6i3.132

Holdack, E., Lurie-Stoyanov, K., & Fromme, H. F. (2020). The role of perceived enjoyment and perceived informativeness in assessing the acceptance of AR Wearables. Journal of Retailing and Consumer Services, 65, 102259. https://doi.org/10.1016/j.jretconser.2020.102259

Hu, L. T., & Bentler, P. M. (1999). Cutoff criteria for fit indexes in covariance structure analysis: conventional criteria versus new alternatives. Structural Equation Modeling, 6(1), 1–55. https://doi.org/10.1080/10705519909540118

Jatmiko, B. P., & Uly, Y. A. (2022). Jumlah Investor pasar modal indonesia masih tertinggal dari singapura dan malaysia. Kompas.Com. https://money.kompas.com/read/2020/10/22/103000226/jumlah-investor-pasar-modal-indonesia-masih-tertinggal-dari-singapura-dan?page=all

Jones, J. M. (2022). What percentage of americans own stock? Gallup.Com. https://news.gallup.com/poll/266807/percentage-americans-owns-stock.aspx

Kemendagri. (2022). Ditjen dukcapil kemendagri. https://dukcapil.kemendagri.go.id/phln/read/273-juta-penduduk-indonesia-terupdate-versi-kemendagri

Monica, F., & Japarianto, E. (2022). Analisa pengaruh perceived ease of use dan melalui perceived enjoyment terhadap behavior intention pada digital payment. Jurnal Manajemen Pemasaran, 16(1), 9–15. https://doi.org/10.9744/pemasaran.16.1.9-15

Muftiasa, A., Sugesko, S., Sultan, M. A., & Hurriyati, R. (2022). The Integration of perceived usefulness, ease of use and perceived risk in increasing customer usage intention to access e-channel during Covid-19: evidence from indonesia. Proceedings of the 6th Global Conference on Business, Management, and Entrepreneurship (GCBME 2021), 657(Gcbme 2021), 262–266. https://doi.org/10.2991/aebmr.k.220701.051

Mutahar, A. M., Daud, N. M., Thurasamy, R., Isaac, O., & Abdulsalam, R. (2018). The mediating of perceived usefulness and perceived ease of use: the case of mobile banking in Yemen. International Journal of Technology Diffusion, 9(2), 21–40. https://doi.org/10.4018/ijtd.2018040102

Naufaldi, I., & Tjokrosaputro, M. (2020). Pengaruh perceived ease of use, perceived usefulness, dan trust terhadap intention to use. Jurnal Manajerial Dan Kewirausahaan, 2(3), 715. https://doi.org/10.24912/jmk.v2i3.9584

Populix. (2022). Insights and future trends of investment in Indonesia. Populix. https://info.populix.co/report/investment-habits/

Purwanti, T. (2022). Baru 1,5% warga RI jadi investor saham, kalah sama tetangga. CNBC Indnesia. https://www.cnbcindonesia.com/market/20220830171026-17-367833/baru-15-warga-ri-jadi-investor-saham-kalah-sama-tetangga

Puspaningtyas, L. (2023). Ekonom BEI: Prospek pasar modal indonesia tetap baik di tahun politik | republika online. Republika.Co.Id. https://ekonomi.republika.co.id/berita/rxpu23502/ekonom-bei-prospek-pasar-modal-indonesia-tetap-baik-di-tahun-politik

Ramyakim, R. M., & Widyasari, A. (2022). Investor pasar modal tembus 10 juta. Kustodian Sentral Efek Indonesia (KSEI), November, 1–3. https://www.ksei.co.id/files/uploads/press_releases/press_file/id-id/212_berita_pers_investor_pasar_modal_tembus_10_juta_20221202065619.pdf

Statista. (2022). Share of Americans investing in stocks 2023 | Statista. https://www.statista.com/statistics/270034/percentage-of-us-adults-to-have-money-invested-in-the-stock-market/

Sekaran, U. & Bougie, R. (2013) Research methods for business: A skill-building approach. 6th Edition, Wiley, New York.

Teo, T., & Noyes, J. (2011). An assessment of the influence of perceived enjoyment and attitude on the intention to use technology among pre-service teachers: A Structural Equation Modeling Approach. Computers and Education, 57(2), 1645–1653. https://doi.org/10.1016/j.compedu.2011.03.002

Tyas, E. I., & Darma, E. S. (2017). Pengaruh perceived usefulness, perceived ease of use, perceived enjoyment, dan actual usage terhadap penerimaan teknologi informasi: studi empiris pada karyawan bagian akuntansi dan keuangan baitul maal wa Tamwil Wilayah Daerah Istimewa Yogyakarta. Reviu Akuntansi Dan Bisnis Indonesia, 1(1), 25–35. https://doi.org/10.18196/rab.010103

Venkatesh, V., & Davis, F. D. (2000). Theoretical extension of the Technology Acceptance Model: Four longitudinal field studies. Management Science, 46(2), 186–204. https://doi.org/10.1287/mnsc.46.2.186.11926

Wida, P. A. M. W., Yasa, N. N. K., & Sukaatmadja, I. P. G. (2016). Aplikasi Model TAM (Technology Acceptance Model) pada perilaku pengguna Instagram. Journal of Organizational and End User Computing, 16(1), 59–72. https://doi.org/10.4018/joeuc.2004010104

DOI: https://doi.org/10.34149/jmbr.v20i3.577

BibTex Citation Data :

@article{jmbr577,
    	author = {Ivan Agus Pambudi and Widyarso Roswinanto and Ciu Meiria},
    	title = {Pengaruh Perceived Ease of Use, Perceived Usefulness, dan Perceived Enjoyment Terhadap Minat untuk Terus Menggunakan Aplikasi Investasi di Indonesia},
    	journal = {Journal of Management and Business Review},
    	volume = {20},
    	number = {3},
    	year = {2023},
    	keywords = {Intention to Continue Using; Investment Application; Perceived Ease of Use; Perceived Enjoyment; Perceived Usefulness},
    	abstract = {This study aims to determine the effect of perceived ease of use, perceived usefulness, and perceived enjoyment on the intention to continue using investment applications in Indonesia. This research uses the TAM model with the novelty of examining perceived enjoyment in investment applications. Survei was administered involving 328 respondents who had ever made transactions purchasing investment products on investment applications. Data were analyzed by SEM using the JASP application. This research was conducted by analyzing the results of questionnaires from 328 respondents who had made investment product purchase transactions in investment applications. This study uses JASP as a tool for conducting SEM analysis. This study shows that perceived usefulness and perceived enjoyment have a positive and significant effect on intention to continue using. Meanwhile, perceived ease of use has a positive and significant effect on perceived usefulness and perceived enjoyment. However, perceived ease of use has a negative and insignificant relationship to intention to continue using directly. The most significant effect on intention to continue using is perceived enjoyment. Therefore, companies need to pay attention to things that are directly related to perceived enjoyment to make consumers continue to use investment applications.},
        	issn = {2503-0736},    	pages = {482--501},    	doi = {10.34149/jmbr.v20i3.577},
        	url = {https://jmbr.ppm-school.ac.id/index.php/jmbr/article/view/577}
    }