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Pengaruh Persepsi Kemudahaan Penggunaan, Efektivitas, Risiko Terhadap Minat Dan Penggunaan Financial Technologi (Fintech) Dengan Minat Sebagai Variabel Mediasi

JURNAL AKUNTANSI DAN KEUANGAN DAERAH · Vol. 15 No. 2 (2020) · pp. 35–48

DOI
10.52062/jakd.v15i2.1623
ISSN
2621-6787, 1978-4848
Published
2020-11-30
Publisher
Jurusan Akuntansi Fakultas Ekonomi dan Bisnis Universitas Cenderawasih
Language
eng

Abstract

  Abstract This study aims to provide empirical evidence of the influence of perception of ease of use, effectiveness of risk to interest, and use of Financial Technology (Fintech) with interest as a variable of mediation in Jayapura city. The study used primary data obtained by distributing questionnaires online. The data analysis method used is by Structure Equation Model (SEM) approach with WarpPLS 7.0. The sampling method used is purposive sampling technique. Purposive sampling is a sampling technique of data sources with certain considerations or criteria. The results of this study were seen from the P/sig values (0.230 >0.005). Thus the ease of use has a positive and insignificant effect on the use of financial technology (fintech) with an interest as mediation. Judging from its P/sig values (0.015 0.005) thus the risk has a positive and insignificant effect on the use of financial technology (fintech) with interest as mediation. Keywords: financial technology; Interest; Perception Ease of use; Effectiveness; Risk Abstrak Penelitian ini bertujuan untuk memberikan bukti empiris pengaruh persepsi kemudahan penggunaan, efektivitas risiko terhadap kepentingan, dan penggunaan Teknologi Finansial (Fintech) dengan kepentingan sebagai variabel mediasi di kota Jayapura. Penelitian menggunakan data primer yang diperoleh dengan menyebarkan kuesioner secara online. Metode analisis data yang digunakan adalah dengan pendekatan Structure Equation Model (SEM) dengan WarpPLS 7.0. Metode pengambilan sampel yang digunakan adalah teknik purposive sampling. Purposive sampling merupakan teknik pengambilan sampel sumber data dengan pertimbangan atau kriteria tertentu. Hasil penelitian ini dilihat dari nilai P / sig (0,230> 0,005). Dengan demikian kemudahan penggunaan berpengaruh positif dan tidak signifikan terhadap penggunaan financial technology (fintech) dengan kepentingan sebagai mediasi. Dilihat dari nilai P / signya (0,015 0,005) maka risiko berpengaruh positif dan tidak signifikan terhadap penggunaan financial technology (fintech) dengan mediasi bunga. Kata kunci: financial technology, Bunga, Persepsi Kemudahan Penggunaan, Efektivitas, Risiko

Keywords

Collaboration network of the authors

40 authors · 114 co-authorship links · showing the 40 most connected

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Co-authorOrganisationJoint articles
Rudiawie LarasatiAffiliation unknown6
Pascalina V. S SesaAffiliation unknown6
Agustinus SalleAffiliation unknown5
Syaikhul FalahAffiliation unknown5
Bill J. C PangayowAffiliation unknown3
Maylen K.P. KambuayaAffiliation unknown3
Meinarni AsnawiAffiliation unknown3
Aaron M.A. SimanjuntakAffiliation unknown2
Rizka SaptarinurAffiliation unknown2
Bill PangayowAffiliation unknown2
Novalia Herlina BleskaditAffiliation unknown2
Cornelia Desiana MataniAffiliation unknown2
Berlinda Shari DamanikAffiliation unknown2
Hesty T. SalleAffiliation unknown2
Jefri ImbiriAffiliation unknown1
Dedy ArdinsyahAffiliation unknown1
Christy J.A. OeghoedeAffiliation unknown1
Sylvia Christina DaatAffiliation unknown1
Vicky Antonio PrayogaAffiliation unknown1
Fighty Elia RatagAffiliation unknown1
RiskianiAffiliation unknown1
Paulus Allo LayukAffiliation unknown1
Otniel SafkaurAffiliation unknown1
Ardianto SamudroAffiliation unknown1
Richty Phaskawati HutabalianAffiliation unknown1
Hasnia HasniaAffiliation unknown1
Shartika A. KencanaAffiliation unknown1
Mariolin SanggenafaAffiliation unknown1
Budianto NgoAffiliation unknown1
Andhika Dwi AbriyantiAffiliation unknown1
Mariolin A. SanggenafaAffiliation unknown1
Theo AllolayukAffiliation unknown1
Agarita Clara WomsiworAffiliation unknown1
Abner SP MarlissaAffiliation unknown1
Paulus Allo LayukAffiliation unknown1
Hary DarmawanAffiliation unknown1
Dian Junita DewiAffiliation unknown1

Affiliations come from OpenAlex; journal OAI-PMH metadata carries none. Authors without an OpenAlex ID are matched by name, which can merge or split people.

Metadata source: OAI-PMH (metadata jurnal) https://ejournal.uncen.ac.id/index.php/JAKED/oai, first harvested 1 Nov 2026, last seen 1 Nov 2026.
Original metadata (oai_dc) 
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	<dc:title xml:lang="en-US">Pengaruh Persepsi Kemudahaan Penggunaan, Efektivitas, Risiko Terhadap Minat Dan Penggunaan Financial Technologi (Fintech) Dengan Minat Sebagai Variabel Mediasi</dc:title>
	<dc:creator>Setiawan, Andi</dc:creator>
	<dc:creator>Rofingatun, Siti</dc:creator>
	<dc:creator>Patma, Kurniawan</dc:creator>
	<dc:subject xml:lang="en-US">financial technology</dc:subject>
	<dc:subject xml:lang="en-US">Interest</dc:subject>
	<dc:subject xml:lang="en-US">Perception Ease of use</dc:subject>
	<dc:subject xml:lang="en-US">Effectiveness</dc:subject>
	<dc:subject xml:lang="en-US">Risk</dc:subject>
	<dc:description xml:lang="en-US">  Abstract This study aims to provide empirical evidence of the influence of perception of ease of use, effectiveness of risk to interest, and use of Financial Technology (Fintech) with interest as a variable of mediation in Jayapura city. The study used primary data obtained by distributing questionnaires online. The data analysis method used is by Structure Equation Model (SEM) approach with WarpPLS 7.0. The sampling method used is purposive sampling technique. Purposive sampling is a sampling technique of data sources with certain considerations or criteria. The results of this study were seen from the P/sig values (0.230 &amp;gt;0.005). Thus the ease of use has a positive and insignificant effect on the use of financial technology (fintech) with an interest as mediation. Judging from its P/sig values (0.015 &amp;lt;0.005) thus the effectiveness has a positive and significant effect on the use of financial technology (fintech) with interest as mediation. Judging from its P/sig values (0.330 &amp;gt;0.005) thus the risk has a positive and insignificant effect on the use of financial technology (fintech) with interest as mediation. Keywords: financial technology; Interest; Perception Ease of use; Effectiveness; Risk Abstrak Penelitian ini bertujuan untuk memberikan bukti empiris pengaruh persepsi kemudahan penggunaan, efektivitas risiko terhadap kepentingan, dan penggunaan Teknologi Finansial (Fintech) dengan kepentingan sebagai variabel mediasi di kota Jayapura. Penelitian menggunakan data primer yang diperoleh dengan menyebarkan kuesioner secara online. Metode analisis data yang digunakan adalah dengan pendekatan Structure Equation Model (SEM) dengan WarpPLS 7.0. Metode pengambilan sampel yang digunakan adalah teknik purposive sampling. Purposive sampling merupakan teknik pengambilan sampel sumber data dengan pertimbangan atau kriteria tertentu. Hasil penelitian ini dilihat dari nilai P / sig (0,230&amp;gt; 0,005). Dengan demikian kemudahan penggunaan berpengaruh positif dan tidak signifikan terhadap penggunaan financial technology (fintech) dengan kepentingan sebagai mediasi. Dilihat dari nilai P / signya (0,015 &amp;lt;0,005) maka efektifitas berpengaruh positif dan signifikan terhadap penggunaan financial technology (fintech) dengan kepentingan sebagai mediasi. Dilihat dari nilai P / signya (0,330&amp;gt; 0,005) maka risiko berpengaruh positif dan tidak signifikan terhadap penggunaan financial technology (fintech) dengan mediasi bunga. Kata kunci: financial technology, Bunga, Persepsi Kemudahan Penggunaan, Efektivitas, Risiko</dc:description>
	<dc:publisher xml:lang="en-US">Jurusan Akuntansi Fakultas Ekonomi dan Bisnis Universitas Cenderawasih</dc:publisher>
	<dc:date>2020-11-30</dc:date>
	<dc:type>info:eu-repo/semantics/article</dc:type>
	<dc:type>info:eu-repo/semantics/publishedVersion</dc:type>
	<dc:format>application/pdf</dc:format>
	<dc:identifier>https://ejournal.uncen.ac.id/index.php/JAKED/article/view/1623</dc:identifier>
	<dc:identifier>10.52062/jakd.v15i2.1623</dc:identifier>
	<dc:source xml:lang="en-US">JURNAL AKUNTANSI DAN KEUANGAN DAERAH; Vol. 15 No. 2 (2020); 35-48</dc:source>
	<dc:source xml:lang="id-ID">JURNAL AKUNTANSI DAN KEUANGAN DAERAH; Vol 15 No 2 (2020); 35-48</dc:source>
	<dc:source>2621-6787</dc:source>
	<dc:source>1978-4848</dc:source>
	<dc:source>10.52062/jakd.v15i2</dc:source>
	<dc:language>eng</dc:language>
	<dc:relation>https://ejournal.uncen.ac.id/index.php/JAKED/article/view/1623/1245</dc:relation>
	<dc:rights xml:lang="en-US">Copyright (c) 2021 JURNAL AKUNTANSI DAN KEUANGAN DAERAH</dc:rights>
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