DISCUSSION ABOUT THE INTENTION TO USE CREDIT CARD

• Main Author: Anggiana (19015102), Hanna
• Format: Final Project
• Language: Indonesia
• Online Access: https://digilib.itb.ac.id/gdl/view/27706
• Institution: Institut Teknologi Bandung

Credit card is the commonly used and popular type of payment method in the digital era, <br /> <br /> especially in e-commerce. E-commerce industry is at an all-time high in Indonesia, but the <br /> <br /> number of e-commerce growth is inverted with the used of credit card as method of payment. <br /> <br /> Indonesia’s credit card penetration rate is comparatively low to other Southeast Asia country <br /> <br /> despite being the leader in e-commerce growth from the others. The aim of this study is to <br /> <br /> discuss the intention of Indonesian towards credit card. This research uses the combination of <br /> <br /> Technology Acceptance Model (TAM; David et al, 1989) and Theory of Planned Behavior <br /> <br /> (TPB; Ajzen, 1985). Important variables used to assess intention on using credit cards are <br /> <br /> subjective norms, perceived usefulness, perceived behavioral control and perceived risk. <br /> <br /> Previous study by Quan & Nam (2017) in Vietnam has address the same issue, and this research <br /> <br /> follows the same framework by implementing it in Indonesia. The research used quantitative <br /> <br /> approach with the total of 200 respondents from Jakarta and Bandung participated in this study. <br /> <br /> For data analysis, descriptive statistic and Multiple Linear Regression (MLR) are used. The <br /> <br /> result shows that subjective norms and perceived usefulness have a positive significant <br /> <br /> influence to intention to use credit card, perceived risk have negative significant influence <br /> <br /> towards intention to use credit card, however perceived behavioral control does not have <br /> <br /> significant influence towards intention to use credit card. Studies about intention toward credit <br /> <br /> card itself are still limited particularly in Indonesia. This research can give insight to the credit <br /> <br /> card market and to get better understanding on Indonesian view of credit card.