Proceedings of the 4th International Conference on Accounting, Management, and Economics, ICAME 2019, 25 October 2019, Makassar, Indonesia

Research Article

The Effect of Self-Efficacy, Trust and Lifestyle on Intention to Use Digital Financial Transaction Service

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  • @INPROCEEDINGS{10.4108/eai.25-10-2019.2295388,
        author={Jumardi  Jumardi and Grace T Pontoh and Nirwana  Nirwana},
        title={The Effect of Self-Efficacy, Trust and Lifestyle on Intention to Use Digital Financial  Transaction Service},
        proceedings={Proceedings of the 4th International Conference on Accounting, Management, and Economics, ICAME 2019, 25 October 2019, Makassar, Indonesia},
        publisher={EAI},
        proceedings_a={ICAME},
        year={2020},
        month={6},
        keywords={self-efficacy trust lifestyle intention to use go-pay financial technology},
        doi={10.4108/eai.25-10-2019.2295388}
    }
    
  • Jumardi Jumardi
    Grace T Pontoh
    Nirwana Nirwana
    Year: 2020
    The Effect of Self-Efficacy, Trust and Lifestyle on Intention to Use Digital Financial Transaction Service
    ICAME
    EAI
    DOI: 10.4108/eai.25-10-2019.2295388
Jumardi Jumardi1,*, Grace T Pontoh2, Nirwana Nirwana2
  • 1: IAI Muhammadiyah Sinjai
  • 2: Universitas Hasanuddin
*Contact email: mardhi.kontemplasi@gmail.com

Abstract

The Industrial Revolution 4.0 has produced many advances in the field of technology, one of the latest technologies in finance called the Financial Technology. This study aims to examine and analyze the influences of self-efficacy, trust and lifestyle on the intention to use digital financial transaction services on Go-Pay. The research design was non-experimental and research type was explanatory research or hypothesis testing. Data analysis using exploratory factor analysis and structural equation modeling. This study result indicated that self-efficacy, trust and lifestyle has significant effect on the intention to use digital financial transaction services. These findings propose that behavioral factors such as self-efficacy, trust and lifestyle users can provide a useful understanding and framework to digital financial service providers regarding aspects of services that must be improved in implementing digital financial transaction services, in order to be able to encourage and increase the intensity of e-payment usage.