Analisis Pengaruh Risiko dan Manfaat Terhadap Niat Pengguna Fintech Paylater Pada Aplikasi Shopeepay Menggunakan UTAUT2

Febriani, Dewi Sinta (2025) Analisis Pengaruh Risiko dan Manfaat Terhadap Niat Pengguna Fintech Paylater Pada Aplikasi Shopeepay Menggunakan UTAUT2. Undergraduate thesis, UPN Veteran Jawa Timur.

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Abstract

Paylater services as a form of digital financial innovation are increasingly in demand by the Indonesian people, especially the younger generation. However, despite offering ease in transactions, the adoption of this service is still influenced by various factors, such as perceptions of risk and benefits felt by users. This raises questions regarding what factors influence user intentions and behavior in using the PayLater feature on Shopeepay.. To answer this problem, this study proposes an evaluation model that combines constructs from the Unified Theory of Acceptance and Use of Technology (UTAUT2) with two additional variables, namely perceived risk and perceived benefit. The aim is to analyze the influence of these two variables along with the UTAUT2 construct on the intention and behavior of using PayLater on Shopeepay. This study uses a quantitative approach with the Structural Equation Modeling method based on Partial Least Squares (SEM-PLS). Data were collected from 384 respondents aged 18–45 years who were active users of the PayLater feature on ShopeePay. Data processing was carried out with the help of SPSS and SmartPLS software to test the relationship between variables in the model. The results of the analysis show that perceived benefit (β = 0.160; p = 0.000), performance expectancy (β = 0.140; p = 0.005), social influence (β = 0.178; p = 0.000), price value (β = 0.105; p = 0.017), and habit (β = 0.235; p = 0.004) have a significant positive effect on the intention to use ShopeePay PayLater. Meanwhile, perceived risk has a significant negative effect on the intention to use (β = –0.214; p = 0.000). In addition, behavioral intention is proven to have a significant effect on the actual behavior of using PayLater on Shopeepay (β = 0.631; p = 0.000). Keywords: ShopeePay, PayLater, Risk, Benefits, UTAUT2, SEM-PLS

Item Type:

Thesis (Undergraduate)

Contributors:

Contribution	Contributors	NIDN/NIDK	Email
Thesis advisor	Safitri, Eristya Maya	NIDN0016039304	maya.si.@upnjatim.ac.id
Thesis advisor	Wulansari, Anita	NIDN0715108705	anita.wulansari.sisfo@upnjatim.ac.id

Subjects:

T Technology > T Technology (General)

Divisions:

Faculty of Computer Science > Departemen of Information Systems

Depositing User:

Dewi Sinta Febriani

Date Deposited:

20 Jun 2025 01:33

Last Modified:

20 Jun 2025 01:33

URI:

https://repository.upnjatim.ac.id/id/eprint/38645