Since 2014
Penerimaan Pengguna Terhadap Kaedah Pembayaran Elektronik
Jurnal Ekonomi Malaysia
View Archive Info| Field | Value | |
| Title |
Penerimaan Pengguna Terhadap Kaedah Pembayaran Elektronik
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| Creator |
Taasim, Shairil Izwan
Ali, Hasnah |
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| Subject |
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| Description |
ABSTRAKPengurusan pembayaran melalui kaedah konvensional iaitu kaunter fizikal kini telah digantikan melalui inovasi yangdibangunkan oleh agensi pungutan pembayaran terutamanya pihak bank dengan memperkenalkan pembayaran eletronik(e-pembayaran) sebagai medium kaunter atas talian. Satu tinjauan umum di Malaysia telah dijalankan dalam kajianini untuk mengukur tahap penerimaan pengguna Malaysia menggunakan e-pembayaran. Kaedah instrumen empat(4) konstruk yang mengandungi 19 item dengan skala Likert 5 mata telah dibangunkan sebagai medium persepsibagi menilai penerimaan pengguna. Konstruk yang dibangunkan dianalisis menggunakan kaedah structural equationmodeling (SEM) berdasarkan teori penerimaan teknologi (TAM) untuk menilai integrasi teknologi ke dalam organisasidan menganalisis punca penerimaan dan penolakan teknologi. Kajian telah mendapati tahap penerimaan dalame-pembayaran adalah tinggi namun penerimaan dalam menggantikannya sebagai kaunter maya berada pada tahapyang minimum. Dapatan ini penting sebagai pengurusan kewangan pengguna dengan lebih sistematik dan seterusnyamampu menjadikan pengguna yang bijak dalam pengurusan kewangan.Kata kunci: Kaedah konvensional; kaunter maya; e-pembayaran; Structural Equation ModelingABSTRACTThe conventional method of payment management has now been replaced by innovations developed by companiescollecting payments, especially the banks with the introduction of electronic payment (e-payment) as a medium of virtualcounter. In this study a public survey was conducted in Malaysia to measure the level of acceptance by Malaysiansin using e-payment method. An instrument of four constructs that contained 19 items with 5-point Likert scale weredeveloped as a medium for assessing perceptions of consumer acceptance. An analysis constructs developed usingStructural Equation Modeling (SEM) based on the theory of technology acceptance (TAM) to evaluate the integration oftechnology into the organization and analyzing the reasons for acceptance and rejection of technology. The study foundthat the level of acceptance of e-payment by Malaysians is high, but the acceptance of the people to replace the physicalcounter with a virtual counter is very minimal. The findings are important as a medium of making the country’s intentionto become a high-income country whereby the method of electronic payment is a springboard towards a developednation. This is possible through the financial stability and the soundness of financial management manual by the user.Keywords: Conventional method; virtual counter; e-payment; Structural Equation Modeling
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| Publisher |
Universiti Kebangsaan Malaysia
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| Contributor |
—
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| Date |
2013-07-01
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| Type |
info:eu-repo/semantics/article
info:eu-repo/semantics/publishedVersion Peer-reviewed Article — |
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| Format |
application/pdf
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| Identifier |
http://ejournal.ukm.my/jem/article/view/5566
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| Source |
Jurnal Ekonomi Malaysia; Vol 47, No 1 (2013): Jurnal Ekonomi Malaysia; 3-12
0126-1962 |
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| Language |
eng
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| Relation |
http://ejournal.ukm.my/jem/article/view/5566/2638
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