PENGARUH PERCEIVED TRANSACTION CONVENIENCE DAN PERCIEVED RISK TERHADAP BEHAVIOURAL INTENTION DIMEDIASI OLEH PERSONAL INNOVATIVENESS

Abstract

ABSTRAK Perkembangan teknologi berupa QRIS dapat mempermudah transaksi keuangan secara elektronik. Tujuan penelitian ini yaitu untuk menganalisis minat sebagai pedagang di Pasar yang akan mengadopsi QRIS. Variabel yang digunakan yaitu perceived transaction convenience dan perceived risk sebagai independent dan personal innovativeness sebagai mediasi. Metode yang digunakan yaitu kuantitatif, pengujian hipotesis dengan analisis SEM-PLS. Sampel yang digunakan sebanyak 200 nasabah Bank  sebagai pedagang di Pasar. Hasil penelitian menunjukan bahwa perceived transaction convenience berpengaruh positif dan tidak signifikan, perceived risk berpengaruh negatif dan tidak signifikan. Personal innovativeness sebagai mediasi yang dapat meningkatkan minat nasabah bank sebagai  pedagang pasar yang mengadopsi QRIS. Personal innovativeness merupakan kebaruan penelitian ini. Peelitianni berkontibusi secara teoritis dan praktisKata kunci: Perceived Transaction Convenience, Perceived Risk, Personal Innovativeness, Behavioural Intention, & QRIS. ABSTRACTTechnological developments in the form of QRIS can facilitate electronic financial transactions. The purpose of this study is to analyze interest as traders in the market who will adopt QRIS. The variables used are perceived transaction convenience and perceived risk as independent and personal innovativeness as mediation. The method used is quantitative, hypothesis testing with SEM-PLS analysis. The samples used were 200 Bank customers as market traders. The results showed that perceived transaction convenience has a positive and insignificant effect, perceived risk has a negative and insignificant effect. Personal innovativeness as a mediation that can increase the interest of bank customers as market traders who adopt QRIS. Personal innovativeness is the novelty of this research. This research contributes theoretically and practicallyKeywords: Perceived Transaction Convenience, Perceived Risk, Personal Innovativeness, Behavioural Intention, & QRIS.