VIRTUAL CREDIT CARD ADOPTION ON PRODUCTIVE AGE PEOPLE IN INDONESIA

• Main Author: Rizkia Iswandi, Feby
• Format: Final Project
• Language: Indonesia
• Online Access: https://digilib.itb.ac.id/gdl/view/41001
• Institution: Institut Teknologi Bandung

Lately with the development of e- commerce that is rife in Indonesia, making institutions both banking and non-banking issue many products that can be used as a transaction tool. One of them is a virtual credit card, as one of the first gliding players - it doesn't seem to have an echo that is as big as other products. Therefore, this research was conducted to review the adoption of virtual credit cards in Indonesia. The study aims to empirically examine the effect of self-efficacy, security, compatibility, perceived usefulness and perceived ease in a technology acceptance model (TAM) on interest in using a virtual credit card. This analysis uses independent variables, namely the influence of self-efficacy, security, compatibility, perceived usefulness and perceived ease as independent variable, and intention to use as a dependent variable. The samples of this study are the population of Indonesia with specifications aged 17 - 32 years old and above which can be considered as productive age population. Data collection was conducted with a questionnaire distributed directly through online surveys as much as 352 respondents with statistical method used is Partial Least Square – Path Model. The results of this study indicate that the influence of self-efficacy, compatibility, perceived usefulness and perceived ease significantly influence intention to use as independent variable, meanwhile the security variable does not significantly affect interest in using a credit card virtual