Analisis Penerimaan Teknologi Mobile Payment (Studi kasus Pengguna Aplikasi OVO)

Abstract

The development of mobile payment as a payment system has shifted banknote-based payments to smartphone-based payments. The OVO application is a mobile payment technology that accommodates various needs related to cashless. as well as facilitating a fast and easy transaction process using a smartphone in making payments so that it is safer from theft and counterfeit money fraud. The purpose of this research is to look for factors of intention to use the OVO application. The research method used is a conceptual model that combines the acceptance theory of UTAUT2 and the theory of Diffusion of innovation (DOI) and perceived technology security. 400 respondents who are residents of the city of Surabaya who use the OVO application. The results of research on performance excpentancy and social influence have contributed to the intention to use the OVO application. while effort expenctancy, facilitating conditions, hedon motivation, price value, innovativeness, compatibility and perceived technology security found that there was no effect on user behavior to use the OVO application.