Main Article Content
Abstract
Perkembangan teknologi era revolusi industri 4.0 memicu perubahan pola perilaku konsumen melalui pemanfaatan teknologi digital salah satunya transaksi pembayaran non tunai yang disebut dengan digital payment sebagai inovasi baru financial technology di era revolusi industri 4.0. Tujuan penulisan artikel ini adalah untuk mengetahui pengaruh digital payment terhadap perilaku konsumen dengan melakukan studi kasus pada pengguna platform digital payment OVO. Metode penelitian yang digunakan dalam penulisan artikel ini adalah penelitian kuantitatif menggunakan teknik analisis regresi linier sederhana. Temuan saat ini yaitu ketika memasuki masa pandemi Covid-19 membuat aktifitas masyarakat menjadi terbatas sehingga mereka mencari alternatif lain untuk tetap dapat beraktifitas salah satunya melalui pemanfaatan teknologi digital payment untuk aktifitas berbagai transaksi pembayaran non-tunai yang efektif dan efisien. Hal ini mengindikasikan adanya perubahan perilaku konsumen dari manual menjadi otomatis melalui pemanfaatan teknologi digital dalam bidang jasa keuangan, digital payment. Hasil dari penelitian ini menunjukkan adanya pengaruh digital payment terhadap perilaku konsumen.
Kata Kunci: Revolusi Industri 4.0; Digital Payment; Perilaku Konsuemen.
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References
- Buku
- Sumarwan, U., Jauzi, A., Mulyana, A., Karno, B.N., Mawardi, P., & Nugroho, W. (2018). Riset Pemasaran dan Konsumen. Bogor : PT Penerbit IPB Press.
- Febriani, N.S., & Dewi, W.W.A. (2018). Teori dan Praktis : Riset Komunikasi Pemasaran Terpadu. Malang : UB Press.
- Rizal, A. (2020). Manajemen Pemasaran. Sleman : Deepublish Publisher.
- Astuti, M., Amanda, A.R. (2020).Pengantar manajemen pemasaran. Sleman : Deepublish Publisher.
- Setiadi, N.J. (2019). Perilaku Konsumen : Perspektif Kontemporer Pada Motif, dan Keinginan Konsumen. Jakarta : Prenada Media Group.
- Nainggolan, N.T., Dkk. (2020). Perilaku Konsumen Di Era Digital. Jakarta : Yayasan Kita Menulis.
- Artikel Jurnal
- Koesworo, Y., Muljani, N., & Ellitan, L. (2019). Fintech in the industrial revolution era 4.0. International Journal of Research Culture Society, 3(9), 1–4.
- Marsudi, A. S., & Widjaja, Y. (2019). Industri 4.0 dan Dampaknya terhadap Financial Technology serta Kesiapan Tenaga Kerja di Indonesia. Ikraith Ekonomika.
- Musthofa, M. A., Kurniati, R. R., Hardati, R. N., Kunci:, K., Budaya, F., Sosial, F., Pribadi, F., Psikologi, F., Sistem, D., & Uang, P. (2020). Pengaruh Perilaku Konsumen Terhadap Sistem Pembayaran Uang Digital (Studi Pada Pengguna Ovo Di Kota Malang). Jiagabi, 9(2), 175–184.
- Ninuk Muljani | Lena Ellitan | Jurusan Manajemen. (2019). The Importance of Information Technology Implementation in Facing Industrial Revolution 4.0: Case Study of Banking Industry. International Journal of Trend in Scientific Research and Development.
- Puspita, Y. C. (2019). Penggunaan Digital Payment Pada Aplikasi Ovo. Jurnal Manajemen Informatika, 09(02), 121–128. https://jurnalmahasiswa.unesa.ac.id
- Caputo, A., Pizzi, S., Pellegrini, M.M., Debic, M. (2020). Digitalization and Business Models : Where Are We Going? A Science Mapofthe Field. Journal of Business Research, 489-501.
- Antonio Meles, F. S. (2018). Technologies 4.0 : Understanding the Evolution of ICT and ITS Role for Business Development. European Management Journal, 36 (2018) 677-678.
- Moreira, F., Ferreira, M.J. (2018). Enterprise 4.0 - The Emerging Digital Transformed Enterprise? . Procedia Computer Science, 138 (2018) 525-532.
- Kurt, R. (2019). Industry 4.0 in Terms of Industrial Relations and Its Impacts on Labour Life. Procedia Computer Science, 158 (2019) 590 - 601.
- Doan, M.A., McKie, D. (2017). Financial Investigations : Auditing Research of Communication in Business, Investor Relations, and Public Relatiions. Public Relation Review, 1-8, 2017.
- Kapounek, S., Korab, P., Deltuvaite, MV. (2016). (Ir)Rational Households’ Saving Behavior? An Empirical Investigation. Procedia Economics and Finance, 39 (2016) 625-633.
- Mastos, T.D., Nizamis, A., Vafeiadis, T. (2020). Industry 4.0 Sustainable Supply Chains : An Application of An IoT Enabled Scrap Metal Management Solution. Journal of Cleaner Production.
- Guzman, V., Muschard, B., Gerolamo, M., Kohl, H., & Rozenfeld, H. (2020). Characteristics and Skills of Leadership in the Context of Industry 4.0. Procedia Manufacturing, 545.
- Wongso, D. A. (2020). Analisa User Experience Terhadap Customer Loyalty Dengan Trust Sebagai Variabel Intervening Pada Aplikasi OVO Digital Payment, 4-5.
- Hani Atun Mumtaha, H. A. (2019). Analisis Dampak Perkembangan Revolusi Industri 4.0 dan Society 5.0 Pada Perilaku Masyarakat Ekonomi (E-Commerce). Pilar Teknologi : Jurnal Ilmiah Ilmu-Ilmu Teknik, 56.
- Saintz, J. (2017). Analisa Pengaruh Initial Trust Terhadap Actual Usage Melalui Behavioral Intention Dalam Aplikasi Digital Payment OVO, 3-4.
- Saraswati, M.D., & Wenagama I.W., (2019). Analisis Beberapa faktor yang Mempengaruhi Perubahan Perilaku Konsumen Dari Pasar Tradisional Ke Pasar Modern. E-Jurnal Ekonomi Pembangunan Universitas Udayana,2344-2372, 2019.
- Ar-Robi, M. R. & Wibawa, B. M. (2019). Analisis Tingkat Kepuasan dan Performa pada Merchant OVO di Surabaya. (Jurnal sains dan seni ITS) 8 (1), 27-31,2019.
- Sumber Internet
- Franedya, R., Bosnia, T. (2018). Empat Jenis Fintech Di Indonesia. CNBC Indonesia A Transmedia Company. Available at : http://www.cnbcindonesia.com, diakses tanggal 7 November 2020.
- Yolandha, F. (2020). Selama Pandemi OVO Catat Kenaikan Transaksi 110 Persen. Republika.co.id. Available at : http://www.msn.com, diakses tanggal 7 November 2020.
References
Buku
Sumarwan, U., Jauzi, A., Mulyana, A., Karno, B.N., Mawardi, P., & Nugroho, W. (2018). Riset Pemasaran dan Konsumen. Bogor : PT Penerbit IPB Press.
Febriani, N.S., & Dewi, W.W.A. (2018). Teori dan Praktis : Riset Komunikasi Pemasaran Terpadu. Malang : UB Press.
Rizal, A. (2020). Manajemen Pemasaran. Sleman : Deepublish Publisher.
Astuti, M., Amanda, A.R. (2020).Pengantar manajemen pemasaran. Sleman : Deepublish Publisher.
Setiadi, N.J. (2019). Perilaku Konsumen : Perspektif Kontemporer Pada Motif, dan Keinginan Konsumen. Jakarta : Prenada Media Group.
Nainggolan, N.T., Dkk. (2020). Perilaku Konsumen Di Era Digital. Jakarta : Yayasan Kita Menulis.
Artikel Jurnal
Koesworo, Y., Muljani, N., & Ellitan, L. (2019). Fintech in the industrial revolution era 4.0. International Journal of Research Culture Society, 3(9), 1–4.
Marsudi, A. S., & Widjaja, Y. (2019). Industri 4.0 dan Dampaknya terhadap Financial Technology serta Kesiapan Tenaga Kerja di Indonesia. Ikraith Ekonomika.
Musthofa, M. A., Kurniati, R. R., Hardati, R. N., Kunci:, K., Budaya, F., Sosial, F., Pribadi, F., Psikologi, F., Sistem, D., & Uang, P. (2020). Pengaruh Perilaku Konsumen Terhadap Sistem Pembayaran Uang Digital (Studi Pada Pengguna Ovo Di Kota Malang). Jiagabi, 9(2), 175–184.
Ninuk Muljani | Lena Ellitan | Jurusan Manajemen. (2019). The Importance of Information Technology Implementation in Facing Industrial Revolution 4.0: Case Study of Banking Industry. International Journal of Trend in Scientific Research and Development.
Puspita, Y. C. (2019). Penggunaan Digital Payment Pada Aplikasi Ovo. Jurnal Manajemen Informatika, 09(02), 121–128. https://jurnalmahasiswa.unesa.ac.id
Caputo, A., Pizzi, S., Pellegrini, M.M., Debic, M. (2020). Digitalization and Business Models : Where Are We Going? A Science Mapofthe Field. Journal of Business Research, 489-501.
Antonio Meles, F. S. (2018). Technologies 4.0 : Understanding the Evolution of ICT and ITS Role for Business Development. European Management Journal, 36 (2018) 677-678.
Moreira, F., Ferreira, M.J. (2018). Enterprise 4.0 - The Emerging Digital Transformed Enterprise? . Procedia Computer Science, 138 (2018) 525-532.
Kurt, R. (2019). Industry 4.0 in Terms of Industrial Relations and Its Impacts on Labour Life. Procedia Computer Science, 158 (2019) 590 - 601.
Doan, M.A., McKie, D. (2017). Financial Investigations : Auditing Research of Communication in Business, Investor Relations, and Public Relatiions. Public Relation Review, 1-8, 2017.
Kapounek, S., Korab, P., Deltuvaite, MV. (2016). (Ir)Rational Households’ Saving Behavior? An Empirical Investigation. Procedia Economics and Finance, 39 (2016) 625-633.
Mastos, T.D., Nizamis, A., Vafeiadis, T. (2020). Industry 4.0 Sustainable Supply Chains : An Application of An IoT Enabled Scrap Metal Management Solution. Journal of Cleaner Production.
Guzman, V., Muschard, B., Gerolamo, M., Kohl, H., & Rozenfeld, H. (2020). Characteristics and Skills of Leadership in the Context of Industry 4.0. Procedia Manufacturing, 545.
Wongso, D. A. (2020). Analisa User Experience Terhadap Customer Loyalty Dengan Trust Sebagai Variabel Intervening Pada Aplikasi OVO Digital Payment, 4-5.
Hani Atun Mumtaha, H. A. (2019). Analisis Dampak Perkembangan Revolusi Industri 4.0 dan Society 5.0 Pada Perilaku Masyarakat Ekonomi (E-Commerce). Pilar Teknologi : Jurnal Ilmiah Ilmu-Ilmu Teknik, 56.
Saintz, J. (2017). Analisa Pengaruh Initial Trust Terhadap Actual Usage Melalui Behavioral Intention Dalam Aplikasi Digital Payment OVO, 3-4.
Saraswati, M.D., & Wenagama I.W., (2019). Analisis Beberapa faktor yang Mempengaruhi Perubahan Perilaku Konsumen Dari Pasar Tradisional Ke Pasar Modern. E-Jurnal Ekonomi Pembangunan Universitas Udayana,2344-2372, 2019.
Ar-Robi, M. R. & Wibawa, B. M. (2019). Analisis Tingkat Kepuasan dan Performa pada Merchant OVO di Surabaya. (Jurnal sains dan seni ITS) 8 (1), 27-31,2019.
Sumber Internet
Franedya, R., Bosnia, T. (2018). Empat Jenis Fintech Di Indonesia. CNBC Indonesia A Transmedia Company. Available at : http://www.cnbcindonesia.com, diakses tanggal 7 November 2020.
Yolandha, F. (2020). Selama Pandemi OVO Catat Kenaikan Transaksi 110 Persen. Republika.co.id. Available at : http://www.msn.com, diakses tanggal 7 November 2020.