Mitigasi Risiko Transaksi Online Pada Pengguna E-Commerce: Pengaruh Literasi Keuangan Dan Pemanfaatan Teknologi
DOI:
https://doi.org/10.32534/jv.v19i2.5735Abstract
Literasi keuangan dan pemanfaatan teknologi merupakan aspek penting yang perlu dipertimbangkan dalam transakasi online. Tujuan penelitian ini adalah untuk mempelajari bagaimana literasi keuangan dan pemanfaatan teknologi berdampak pada risiko yang dihadapi pengguna e-commerce saat melakukan transaksi online. Dalam penelitian ini, metode survei online digunakan, dengan sampel 110 orang yang dipilih secara purposive. Studi ini menggunakan analisis regresi dan analisis regresi moderat. Hasil penelitian menunjukkan bahwa literasi keuangan berdampak negatif pada risiko transaksi online, demikian juga pemanfaatan teknologi berpengaruh negatif terhadap risiko transaksi online. Ini berarti bahwa semakin tinggi literasi keuangan dan pemanfaatan teknologi yang dimiliki seseorang terkait dengan risiko transaksi online semakin rendah. Selain itu, pemanfaatan teknologi dapat memoderasi dampak pengetahuan keuangan terhadap risiko transaksi online yang dihadapi oleh pelanggan e-commerce yang memiliki pemahaman yang baik tentang keuangan.
Keywords:
Literasi Keuangan, Pemanfaatan Teknologi, Risiko Transaksi Online, E-CommerceReferences
Ahmed, S. (2021). Understanding the Impact of Trust, Perceived Risk, and Perceived Technology on the Online Shopping Intentions: Case Study in Kurdistan Region of Iraq. Journal of Contemporary Issues in Business and Government, 27(3). https://doi.org/10.47750/cibg.2021.27.03.264
Apriani, S., Triana, N. N., & Nadeak, T. (2023). Pengaruh Kemajuan Teknologi, Literasi Keuangan, Dan Persepsi Kemudahan Terhadap Keputusan Penggunaan Transaksi Digital (E-Wallet) Pada Konsumen Toko Pd Sahabat Pameungpeuk Garut. Management Studies and Entrepreneurship Journal (MSEJ), 4(6), 7668–7677.
Ariff, M. S. M., Yan, N. S., Zakuan, N., Bahari, A. Z., & Jusoh, A. (2013). Web-based factors affecting online purchasing behaviour. IOP Conference Series: Materials Science and Engineering, 46(1), 12038.
Astuti, R., Tanjung, H., & Putri, L. P. (2019). The Effect of Financial Literation on Online Shopping Interest in Millennials. International Journal of Accounting & Finance in Asia Pasific, 2(3). https://doi.org/10.32535/ijafap.v2i3.588
Azsahrah, S., Jasman, J., Asriany, & Ardhana, M. A. (2023). The Effect of Financial Literacy and Online Shopping on Student Consumptive Behavior. Jurnal Economic Resource, 6(1). https://doi.org/10.57178/jer.v6i1.561
Blaži?, B. J. (2019). Overcoming the digital divide with a modern approach to learning digital skills for the elderly adults. Education and Information Technologies.
Chen, H. (1998). An analysis of personal financial literacy among college students. Financial Services Review, 7(2). https://doi.org/10.1016/s1057-0810(99)80006-7
Choirunisa, R., & Mulyanti, D. (2023). Literature Review: Peran E-Commerce Dalam Meningkatkan Pendapatan Umkm Di Era New Normal. Jurnal EBI, 5(1), 9–15.
Choon Ling, K., Bin Daud, D., Hoi Piew, T., Keoy, K. H., & Hassan, P. (2011). Perceived Risk, Perceived Technology, Online Trust for the Online Purchase Intention in Malaysia. International Journal of Business and Management, 6(6). https://doi.org/10.5539/ijbm.v6n6p167
Davis, F. D. (1989). Perceived usefulness, perceived ease of use, and user acceptance of information technology. MIS Quarterly: Management Information Systems, 13(3). https://doi.org/10.2307/249008
Emad Y. Masoud. (2013). The Effect of Perceived Risk on Online Shopping in Jordan Cite this paper The Effect of Perceived Risk on Online Shopping in Jordan. European Journal of Business and Management Www.Iiste.Org ISSN, 5(6).
Fadila, N., Goso, G., Hamid, R. S., & Ukkas, I. (2022). Pengaruh Literasi Keuangan, Financial Technology, Persepsi Risiko, dan Locus of Control Terhadap Keputusan Investasi Pengusaha Muda. Owner, 6(2). https://doi.org/10.33395/owner.v6i2.789
Holden, K., Kalish, C., Scheinholtz, L., Dietrich, D., & Novak, B. (2009). Financial Literacy Programs Targeted on Pre-School Children: Development and Evaluation. In Credit Union National Association.
Huston, S. J. (2010). Measuring Financial Literacy. Journal of Consumer Affairs, 44(2). https://doi.org/10.1111/j.1745-6606.2010.01170.x
Kannan, P. K., & Li, H. “Alice.” (2017). Digital marketing: A framework, review and research agenda. International Journal of Research in Marketing, 34(1). https://doi.org/10.1016/j.ijresmar.2016.11.006
Larasati, R. K., & Deny Yudiantoro. (2022). Pengaruh Literasi Keuangan, Kemajuan Teknologi Informasi, Dan Modal Minimal Terhadap Minat Investasi Pasar Modal. Jurnal Investasi, 8(2). https://doi.org/10.31943/investasi.v8i2.206
Laudon, K. C., & Guercio Traver, C. (2022). E-commerce 2012: business, technology, society. In Pearson Custom Business Resources.
Li, L., Su, F., Zhang, W., & Mao, J. Y. (2018). Digital transformation by SME entrepreneurs: A capability perspective. Information Systems Journal, 28(6). https://doi.org/10.1111/isj.12153
Mahwan, F., & Herawati, N. T. (2021). Pengaruh Literasi Keuangan, Persepsi Risiko, dan Locus of Control Terhadap Keputusan Investasi Pengusaha Muda di Singaraja. JIMAT (Jurnal Ilmiah Mahasiswa Akuntansi) Undiksha, 12(3), 768–780.
Maidment, J., & MacFarlane, S. (2009). Craft groups: Sites of friendship, empowerment, belonging and learning for older women. Groupwork, 19(1). https://doi.org/10.1921/095182409X471802
Mu’amala, R., & Wahjudi, E. (2021). Peran Literasi Keuangan Dalam Memediasi Pengaruh Kontrol Diri Terhadap Perilaku Konsumtif Mahasiswa Pengguna E-Commerce. E-Jurnal Ekonomi Dan Bisnis Universitas Udayana. https://doi.org/10.24843/eeb.2021.v10.i10.p06
Murti, H. T., Lakoni, I., & Safrianti, S. (2023). Pengaruh Literasi Keuangan Dan Literasi Teknologi Terhadap Adopsi Uang Elektronik Pada Mahasiswa di Kota Bengkulu Melalui Mediasi Attitude Toward Adoption. JMB: Jurnal Manajemen Dan Bisnis, 12(2), 89–99.
Nguyen, T. A. N., & Rozsa, Z. (2019). Financial literacy and financial advice seeking for retirement investment choice. Journal of Competitiveness, 11(1). https://doi.org/10.7441/joc.2019.01.05
Nica, E. (2021). Customer experiences of technology-enabled business applications in smartphone-based mobile shopping: Browsing satisfaction, purchasing intention, and buying behavior. SHS Web of Conferences, 92. https://doi.org/10.1051/shsconf/20219204017
Omar, F. I., Rahim, S. A., & Dimyati, H. A. (2019). Analysis of digital inclusion pattern and entreprenuership transformation. Jurnal Komunikasi: Malaysian Journal of Communication, 35(2). https://doi.org/10.17576/JKMJC-2019-3502-19
Paek, H., & Hove, T. (2017). Risk perceptions and risk characteristics risk and risk perception : Definitions and dimensions. Oxford Research Encyclopedia of Communication, March.
Paramanida, Y., Nurwulan, L. L., & Landarica, B. (2023). Pengaruh Pemanfaatan Teknologi Informasi, Kompetensi Dan Due Professional Care Auditor Terhadap Kemampuan Auditor Dalam Mendeteksi Fraud (Survei Penelitian Pada Auditor Yang Bekerja Di BPK Perwakilan Jawa Barat). Universitas Pasundan Bandung.
Peter, M. K., & Dalla Vecchia, M. (2021). The Digital Marketing Toolkit: A Literature Review for the Identification of Digital Marketing Channels and Platforms. In Studies in Systems, Decision and Control (Vol. 294). https://doi.org/10.1007/978-3-030-48332-6_17
Phuong, V. L. H. (2020a). Factors Affecting Online Purchase Intention: the Case of E-Commerce on Lazada. Independent Journal of Management & Production, 11(3).
Phuong, V. L. H. (2020b). Factors Affecting Online Purchase Intention: the Case of E-Commerce on Lazada. Independent Journal of Management & Production, 11(3), 1018–1033.
Putri, S. F., Widodo, J., & Martono, S. (2016). Pengaruh literasi keuangan melalui rasionalitas terhadap perilaku konsumtif (studi kasus siswa kelas XI ilmu sosial SMA Negeri se-Kota Semarang). Journal of Economic Education, 5(2), 179–192.
Riepe, J., Rudeloff, M., & Veer, T. (2022). Financial literacy and entrepreneurial risk aversion. Journal of Small Business Management, 60(2). https://doi.org/10.1080/00472778.2019.1709380
Silva, J., Pinho, J. C., Soares, A., & Sá, E. (2019). Antecedents of online purchase intention and behaviour: Uncovering unobserved heterogeneity. Journal of Business Economics and Management, 20(1). https://doi.org/10.3846/jbem.2019.7060
Soluk, J., & Kammerlander, N. (2021). Digital transformation in family-owned Mittelstand firms: A dynamic capabilities perspective. European Journal of Information Systems. https://doi.org/10.1080/0960085X.2020.1857666
Susanti, Hardini, H. T., & Bahtiar, M. D. (2020). The Effect of Financial Literacy, Financial Technology, and Digital Promotion on Online Purchasing Decisions in the Covid-19 Pandemic Era. https://doi.org/10.2991/assehr.k.201201.234
Yudasella, I. F., & Krisnawati, A. (2019). pengaruh literasi keuangan terhadap perilaku konsumtif siswa sekolah menengah atas di kota Bandung. Jurnal Mitra Manajemen, 3(6), 674–687.
