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Wisnu Yuwono
Roni Antonio
Pulung Peranginangin

English Version
The development of technology and information moves very fast and dynamically. These developments cause all aspects of life to adapt to the progress and impact of technology and information. The impact of technological progress has also affected world banking, namely the existence of a payment system with e-money or electronic money. The purpose of this study is to analyze the factors of usability, convenience, social environment, and risk among students in the desire to use e-money. The research was conducted on 247 respondents from university students in Batam City. The results of this study indicate that the factors of usability, convenience, and social influence have a significant positive effect on the intention to use e-money, while risk factors do not have a significant effect on the desire to use e-money. The results of the study provide recommendations for e-money provider companies to continue to improve their facilities.


Versi Indonesia


Dunia digital berkembang begitu pesat, sehingga memaksa seluruh stakeholder beradaptasi dengan kemajuan yang dihasilkan. Hal ini juga dialami oleh sektor perbankan yakni dengan lahirnya sistem pembayaran menggunakan e-money atau uang elektronik. Penelitian ini bertujuan menginvestigasi pola penerimaan teknologi tersebut pada mahasiswa, secara spesifik dalam menggunakan e-money. Penelitian ini menggunakan pendekatan kuantitatif, metode sampling yang digunakan adapah purposive random sampling. Penelitian ini melibatkan 247 mahasiswa di Kota Batam. Hasil penelitian menunjukkan bahwa faktor kegunaan, kemudahan, dan pengaruh lingkungan sosial memiliki pengaruh positif yang signifikan terhadap niat untuk menggunakan e-money. Sementara itu, faktor risiko tidak memiliki pengaruh signifikan terhadap keinginan untuk menggunakan e-money.


Keywords: e-money intention percieved of usefullness perceived ease to use perceived risk social influence

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