Intention to use Virtual Account-based tuition payment system with UTAUT Model and Computer Self Efficacy: Initial Trust as Moderator

Marbun, Sixteen Gloria and Saputro, Julianto Agung and Subiyakto, Haryono (2021) Intention to use Virtual Account-based tuition payment system with UTAUT Model and Computer Self Efficacy: Initial Trust as Moderator. IOSR Journal of Business and Management (IOSR-JBM), 23 (10). 09-18. ISSN e-ISSN: 2278-487X, p-ISSN: 2319-7668.

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Abstract

Background: The Development of information technology has brought changes to the payment system, from a cash payment system to a cashless payment system. Bank Indonesia showed an increase in cashless transactions in 2021 amounting to 470,811,351. This increase is likely due to the COVID-19 pandemic. The Indonesian government issued several regulations to prevent COVID-19 such as online learning, large-scale social restrictions, and small-scale social restrictions so that many students prefer to return to their respective areas of origin. In response to this condition, universities are trying to innovate the tuition payment system to facilitate payments and recording transactions so that they are more effective and efficient. On February 8th, 2021, a virtual account-based tuition payment system was implemented for the first time. Users have several considerations to accept and use a new system including whether the system can be trusted or not and whether transactions will be processed properly because users will not use a system that is considered less trustworthy, then consider the benefits and advantages provided by the system. Materials and Methods: This research was conducted using a survey. The survey method is carried out by distributing questionnaires using Google forms. Respondents used in this study amounted to 185 people with a strata-1 (S1) education level at STIE YKPN Yogyakarta with the criteria that the subject is an active student and has used a virtual account-based tuition payment system. Results: Results from this study indicate that initial trust weakens the influence of performance expectancy, effort expectancy, and social influence on behavior intention. Then facilitating conditions and behavior intention affects use behavior. In addition, initial trust cannot moderate the effect of computer self-efficacy on behavior intention. Conclusion: Initial trust can be negative so that users are still reluctant to fully trust the system. This happens because the user finds several obstacles in the payment system so that the user considers the risk if the transaction is not processed properly. So universities as service providers must improve system performance to build user trust. Thereby increasing interest in using a virtual account-based tuition payment system.

Item Type:	Article
Uncontrolled Keywords:	Virtual Account; UTAUT; Computer Self Efficacy; Initial Trust
Subjects:	AKUNTANSI > Sistem Informasi Akuntansi
Divisions:	Dosen STIE YKPN > Artikel > Jurnal
Depositing User:	Unnamed user with email webmaster@stieykpn.ac.id
Date Deposited:	31 Mar 2023 02:55
Last Modified:	31 Mar 2023 02:55
URI:	http://repositorybaru.stieykpn.ac.id/id/eprint/804

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