THE EFFECT OF SELF-EFFICACY, PERCEIVED RISK, AND SECURITY TOWARDS THE INTENTION TO USE GOPAY

Abstract

Purpose – The purpose of this study is investigate the factors of the effect of selfefficacy (SE), perceived risk (PR), and security (SC) towards the intention to use GOPAY. Design/Methodology/Approach – The researcher used an online survey as the instrument, and distributed it through social media and instant messaging. The study sample consisted of 283 respondents of Indonesian aged between 15 until 64 years. Findings – This study research indicated that SE have positive influence towards PU and PEOU, SC have significant influence to TR. PU, SI, PFC was significantly related to ITU. PR has negative relation to PU.SE and SC was insignificantly related to ITU. Lastly, PEOU and TR have negative influence toward ITU. Originality/Value – This research is modifying the previous studies' framework to create a more comprehensive model and also adding another variable to view the intention to use. Furthermore, this is the first study of GOPAY customer’s intention to use.