Analisis Tingkat Kesiapan Teknologi dalam Penggunaan E-Payment pada Badan Usaha Milik Daerah Provinsi Sumatera Utara

Abstract

This research explores the value of the Technology Readiness and Acceptance Model (TRAM) model by integrating the Technology Readiness Index (TR) into the Technology Acceptance Model (TAM) in the context of measuring the influence of the level of technology readiness and technology acceptance in the use of e-payment in Regional Owned Enterprises ( BUMD) North Sumatra Province by distributing questionnaires online. Samples were taken using the total sampling method which resulted in 66 out of 66 respondents who could be used. Data processing for 66 respondents used SmartPLS for descriptive statistical analysis tests and PLS-SEM analysis. Based on the 18 hypotheses that were formulated, 10 hypotheses were accepted and 8 hypotheses were rejected. Thus, the results of this study provide empirical evidence of TRI and TAM support for the 4 independent variables, 2 mediating variables and 1 dependent variable used and all measurement items in the questionnaire statements have been confirmed as valid and reliable. The research findings state that positive TR can partially affect TAM but negative TR has no effect on TAM. TAM has a partial positive effect on intention to use. Moreover, TAM can mediate the positive influence of TR on intention to use, but TAM is unable to mediate the negative influence of TR on intention to use. The practical contribution from the results of this research can provide input for BUMD.