MSMES INTEREST IN THE USE OF SHARIA E-PAYMENT: EXPANDED IMPLEMENTATION OF THE TECHNOLOGY ACCEPTANCE MODEL (TAM)

Authors

  • Ike Dwi Agustina Universitas Islam Negeri Maulana Malik Ibrahim Malang
  • Rahmatul 'Aini Wahidiyah Universitas Islam Negeri Maulana Malik Ibrahim Malang
  • Abdullah Afif Misbahuddin Universitas Islam Negeri Maulana Malik Ibrahim Malang
  • Mega Noerman Ningtyas Universitas Islam Negeri Maulana Malik Ibrahim Malang
  • Eka Wahyu Hestya Budianto Universitas Islam Negeri Maulana Malik Ibrahim Malang

DOI:

https://doi.org/10.32815/jibeka.v18i1.1905

Keywords:

TAM Model, Perceived Security, Perceived Financial Cost, Sharia E-payment

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Abstract

Advances in technology and information encourage the development of payment methods using electronic devices (e-payment) to exchange goods and services without needing cash. This study examines the factors that influence the interest of MSMEs in Malang City, especially in the culinary field, in using Sharia e-payments by expanding the TAM model. This type of research is descriptive quantitative. The survey used a structural equation model (SEM) with the Amos software test tool (Versi 26). One hundred twenty-five respondents were collected as a test. The results show that PS has an insignificant effect on PU and PEOU. PEOU influences PU. PFC has a significant negative effect on Islamic e-payment IU. PU has no significant effect on the IU of Sharia e-payments. Meanwhile, PEOU influences IU Sharia e-payments.

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Published

10-02-2024

How to Cite

1.
Agustina ID, Wahidiyah R ’Aini, Misbahuddin AA, Ningtyas MN, Budianto EWH. MSMES INTEREST IN THE USE OF SHARIA E-PAYMENT: EXPANDED IMPLEMENTATION OF THE TECHNOLOGY ACCEPTANCE MODEL (TAM). j. ilm. bisnis dan ekon. Asia [Internet]. 2024 Feb. 10 [cited 2025 Oct. 7];18(1):71-86. Available from: https://jibeka.asia.ac.id/index.php/jibeka/article/view/1905

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