The Influence of Perceived Ease of use and Perceived Usefulness on the Intention to Reuse the Pintar Pay Application of KSP Pintu Air In Maumere City, Mediated by Trust
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Abstract
The development of digital technology encourages cooperatives to transform their services through application-based systems, enhancing efficiency and member satisfaction. KSP Pintu Air, one of the largest cooperatives in Indonesia, has developed the Pintar Pay application to facilitate digital financial transactions for its members. However, the number of users of this application is still not proportional to the total number of cooperative members. This research aims to analyse the influence of perceived ease of use and perceived usefulness on the intention to use the Pintar Pay application, as well as the mediating role of trust in this relationship. The research approach employs a quantitative method, utilising Partial Least Squares (PLS) analysis on primary data collected from 354 respondents who use applications in the city of Maumere. The results show that perceived ease of use and perceived usefulness have a significant positive effect on the intention to use. Trust is proven to mediate the relationship between perceived ease of use and perceived usefulness on the intention to use. These findings highlight the importance of enhancing user trust through robust data security and system reliability to foster the adoption of digital cooperative applications.
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References
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Sarkar, S., Chauhan, S., & Khare, A. (2020). A meta-analysis of antecedents and consequences of trust in mobile commerce. International Journal of Information Management, 50, 286–301.
Singh, N., & Sinha, N. (2020). How perceived trust mediates merchant’s intention to use a mobile wallet technology. Journal of Retailing and Consumer Services, 52, 101894.
Sugiyono. (2019). Metode Penelitian Kuantitatif, Kualitatif, dan R&D. Alphabet.
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http://dx.doi.org/10.22441/jies.v10i2.12329
Alalwan, A. A., Baabdullah, A. M., Rana, N. P., Tamilmani, K., & Dwivedi, Y. K. (2018). Examining adoption of mobile internet in Saudi Arabia: Extending TAM with perceived enjoyment, innovativeness and trust. Technology in Society, 55, 100–110.
Annur, C. M. (2024). Ada 185 Juta Pengguna Internet di Indonesia pada Januari 2024. https://databoks.katadata.co.id/teknologi-telekomunikasi/statistik/de7b25bfae5971c/ada-185-juta-pengguna-internet-di-indonesia-pada-januari-2024
Biro Humas Kementerian Kominfo. (2022). Siaran Pers No. 463/HM/KOMINFO/10/2022 tentang Tingkatkan Kepercayaan Konsumen, Menkominfo Ajak Industri Jaga Pelindungan Data. Komdigi RI. https://www.komdigi.go.id/berita/siaran-pers/detail/siaran-pers-no-463-hm-kominfo-10-2022-tentang-tingkatkan-kepercayaan-konsumen-menkominfo-ajak-industri-jaga-pelindungan-data
Chawla, D., & Joshi, H. (2019). Consumer attitude and intention to adopt mobile wallet in India–An empirical study. International Journal of Bank Marketing, 37(7), 1590–1618.
Davis, F. D. (1989). Technology acceptance model: TAM. Al-Suqri, MN, Al-Aufi, AS: Information Seeking Behavior and Technology Adoption, 205(219), 5.
Deo, T. L. J., Kiak, N. T., & Tiwu, M. I. H. (2024). Analisis Peran Digitalisasi Koperasi dalam Pengembangan Ekonomi Wilayah Perbatasan: Studi Kasus pada KSP CU Kasih Sejahtera Kota Atambua. Journal of Business, Finance, and Economics (JBFE), 5(2), 86–96.
Flavián, C., Guinaliu, M., & Lu, Y. (2020). Mobile payments adoption–introducing mindfulness to better understand consumer behavior. International Journal of Bank Marketing, 38(7), 1575–1599.
Gefen, D., Karahanna, E., & Straub, D. W. (2003). Trust and TAM in online shopping: An integrated model. MIS Quarterly, 51–90.
Hong, C., Choi, H. H., Choi, E.-K. C., & Joung, H.-W. D. (2021). Factors affecting customer intention to use online food delivery services before and during the COVID-19 pandemic. Journal of Hospitality and Tourism Management, 48, 509–518.
Ibrahim, R., Leng, N. S., Yusoff, R. C. M., Samy, G. N., Masrom, S., & Rizman, Z. I. (2017). E-learning acceptance based on technology acceptance model (TAM). Journal of Fundamental and Applied Sciences, 9(4S), 871–889.
Kim, D. J., Ferrin, D. L., & Rao, H. R. (2009). Trust and satisfaction, two stepping stones for successful e-commerce relationships: A longitudinal exploration. Information Systems Research, 20(2), 237–257.
Lado, L. R. (2025). Capaian Anggota Kopdit Pintu Air di Kupang Lampaui Target, Kantor Baru Segera Dibangun. Ekora NTT. https://ekorantt.com/2025/06/09/capaian-anggota-kopdit-pintu-air-di-kupang-lampaui-target-kantor-baru-segera-dibangun/
Lew, S., Tan, G. W.-H., Loh, X.-M., Hew, J.-J., & Ooi, K.-B. (2020). The disruptive mobile wallet in the hospitality industry: An extended mobile technology acceptance model. Technology in Society, 63, 101430.
Nurpratama, M. R., Hurriyati, R., Sugiama, A. G., Widjajanta, B., & Irawan, R. L. (2023). Perceived Ease of Use and Perceived Usefulness of Intention in Shopping Online Bandung. 7th Global Conference on Business, Management, and Entrepreneurship (GCBME 2022), 1661–1666.
Panea-Pizarro, I., López-Espuela, F., Martos-Sánchez, A., Domínguez-Martín, A. T., Beato-Fernández, L., & Moran-García, J. M. (2020). Internet addiction and Facebook addiction in Spanish women with eating disorders. Archives of Psychiatric Nursing, 34(6), 442–448.
Patel, K. J., & Patel, H. J. (2018). Adoption of internet banking services in Gujarat: An extension of TAM with perceived security and social influence. International Journal of Bank Marketing, 36(1), 147–169.
Prasetiadi, A. E. (2011). Web 3.0: Teknologi Web Masa Depan. JURNAL INDUSTRI, ELEKTRO DAN PENERBANGAN, 1(3).
Purwanto, H., Yandri, D., & Yoga, M. P. (2022). Perkembangan dan dampak financial technology (fintech) terhadap perilaku manajemen keuangan di masyarakat. Kompleksitas: Jurnal Ilmiah Manajemen, Organisasi Dan Bisnis, 11(1), 80–91.
Safitri, T. A. (2022). Kontribusi fintech payment terhadap perilaku manajemen keuangan di masa pandemi COVID-19. Jurnal Manajemen Dayasaing, 23(2), 140–145.
Sahadevan, J. (2023). Antecedents of E-wallet usage intention: An empirical study. International Journal Of Engineering And Management Research, 13(6), 159–164.
Sarkar, S., Chauhan, S., & Khare, A. (2020). A meta-analysis of antecedents and consequences of trust in mobile commerce. International Journal of Information Management, 50, 286–301.
Singh, N., & Sinha, N. (2020). How perceived trust mediates merchant’s intention to use a mobile wallet technology. Journal of Retailing and Consumer Services, 52, 101894.
Sugiyono. (2019). Metode Penelitian Kuantitatif, Kualitatif, dan R&D. Alphabet.
Toyo, F. P., Aurelia, P. N., & Patty, T. F. Q. (2024). Analisis Penerapan Akuntansi Koperasi Simpan Pinjam Menurut SAK ETAP Pada Koperasi Suru Pudi Koting. OIKOS: Jurnal Kajian Pendidikan Ekonomi Dan Ilmu Ekonomi, 8(2). https://doi.org/https://doi.org/10.23969/oikos.v8i2.11305
trustnews.id. (2022). RAT KE-XXVI PINTU AIR MENUJU KOPERASI DIGITAL. Trustnews.Id. https://m.trustnews.id/read/2096/RAT-KE-XXVI-PINTU-AIR-MENUJU-KOPERASI-DIGITAL