MODEL MINDFULNESS TECHNOLOGY ADOPTION DALAM MENINGKATKAN CONTINUANCE USAGE PADA PAYLATER DI INDONESIA

Emi Amelia, - and Ratih Hurriyati, - and Mokhamad Adib Sultan, - and Puspo Dewi Dirgantari, - (2025) MODEL MINDFULNESS TECHNOLOGY ADOPTION DALAM MENINGKATKAN CONTINUANCE USAGE PADA PAYLATER DI INDONESIA. S3 thesis, Universitas Pendidikan Indonesia.

Abstract

Adopsi yang cepat dari solusi pembayaran digital telah mengubah lanskap
keuangan, dan layanan paylater telah muncul sebagai komponen penting dalam
ekosistem yang terus berkembang ini; namun, continuance usage masih menjadi
masalah utama bagi penyedia layanan, karena pemanfaatan platform yang optimal
masih belum terwujud. Penelitian ini bertujuan untuk mengembangkan dan menguji
model Continuance usage yang disintesis dari Expectation confirmatory theory.
Penelitian ini menggunakan metode kuantitatif dalam bentuk survey. Populasi dan
sample penelitian ini adalah 349 pengguna Shopee Paylater. Pengujian
menggunakan metode pengujian Structural Equation Modelling (SEM). Hasil
Penelitian menunjukan bahwa terdapat hubungan positif Mindfulness Technology
Adoption dengan continuance usage baik langsung maupun melalui Trustworthy
financial well-being. Terdapat hubungan positif Mindfulness Technology Adoption
dengan Satisfaction baik langsung maupun melalui Technology selfefficacy,
terdapat hubungan positif Mindfulness Technology Adoption dengan Satisfaction
baik langsung maupun melalui Social Influence, terdapat hubungan positif
Mindfulness Technology Adoption dengan Continuance Usage baik langsung
maupun melalui habit, terdapat hubungan positif Mindfulness Technology Adoption
dengan satisfaction baik langsung maupun melalui habit. Hasil ini mengindikasikan
bahwa terdapat hubungan Mindfulness Technology Adoption (MTA) trustworthy
financial well-being, technology selfefficacy, social influence, habit, satisfaction
terhadap continuance usage. Mindfulness Technology Adoption (MTA)
meningkatkan satisfaction pengguna dan penggunaan teknologi dalam jangka
panjang, baik secara langsung maupun melalui berbagai aspek mediasi seperti
trustworthy financial well-being, technology selfefficacy, social influence, dan
habit. Temuan ini menegaskan bahwa MTA memainkan peran penting dalam
meningkatkan pengalaman pengguna dan keberlanjutan penggunaan teknologi.
Dengan menumbuhkan kesadaran dan kepercayaan dalam penggunaan teknologi
keuangan, MTA berkontribusi terhadap pemanfaatan layanan keuangan digital
yang lebih optimal dan berkelanjutan.
Keywords: Mindfulness Technology Adoption (MTA) terhadap trustworthy
financial well-being, technology selfefficacy, social influence, habit, satisfaction,
continuance usage

Continuance Usage on Paylater in Indonesia, under the guidance of Promoter Prof.
Dr. Hj. Ratih Hurriyati, M.P; Co-Promoter Dr. H. Mokh Adib Sultan, ST., MT;
Promoter Member Dr. Puspo Dewi Dirgantari, S.Pd., M.T., M.M.
The rapid adoption of digital payment solutions has changed the financial
landscape, and paylater services have emerged as an important component in this
evolving ecosystem; however, continuance usage is still a major issue for service
providers, as optimal utilization of the platform has yet to be realized. This study
aims to develop and test a Continuance usage model synthesized from Expectation
confirmatory theory. This research uses quantitative methods in the form of surveys.
The population and sample of this study were 349 Shopee Paylater users. Testing
using the Structural Equation Model (SEM) testing method. The results showed that
there is a positive relationship between Mindfulness Technology Adoption and
continuance usage either directly or through Trustworthy financial well-being.
There is a positive relationship of Mindfulness Technology Adoption with
Satisfaction both directly and through Technology self-efficacy, there is a positive
relationship of Mindfulness Technology Adoption with Satisfaction both directly
and through Social Influence, there is a positive relationship of Mindfulness
Technology Adoption with Continuance Usage both directly and through habit,
there is a positive relationship of Mindfulness Technology Adoption with
satisfaction both directly and through habit. These results indicate that there is a
relationship between Mindfulness Technology Adoption (MTA) trustworthy
financial well-being, technology self-efficacy, social influence, habit, satisfaction
on continuance usage. Mindfulness Technology Adoption (MTA) increases user
satisfaction and long-term technology use, both directly and through various
mediating aspects such as trustworthy financial well-being, technology self-
efficacy, social influence, and habit. The findings confirm that MTAs play an
important role in improving user experience and sustainability of technology use.
By fostering awareness and trust in the use of financial technology, MTAs
contribute to more optimal and sustainable utilization of digital financial services.
Keywords: Mindfulness Technology Adoption (MTA) on trustworthy financial
well-being, technology self-efficacy, social influence, habit, satisfaction,
continuance usage

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Item Type:	Thesis (S3)
Additional Information:	https://scholar.google.com/citations?user=D5b-7gkAAAAJ&hl=id ID SINTA Dosen Pembimbing Ratih Hurriyati:5984336 Mokhamad Adib Sultan:6002446 Puspo Dewi Dirgantari:5980376
Uncontrolled Keywords:	Mindfulness Technology Adoption (MTA) terhadap trustworthy financial well-being, technology selfefficacy, social influence, habit, satisfaction, continuance usage Mindfulness Technology Adoption (MTA) on trustworthy financial well-being, technology self-efficacy, social influence, habit, satisfaction, continuance usage
Subjects:	H Social Sciences > HC Economic History and Conditions H Social Sciences > HD Industries. Land use. Labor > HD28 Management. Industrial Management
Divisions:	Fakultas Pendidikan Ekonomi dan Bisnis > S3 Manajemen
Depositing User:	Emi Amelia
Date Deposited:	07 May 2025 08:05
Last Modified:	07 May 2025 08:05
URI:	http://repository.upi.edu/id/eprint/133096

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