Penentu niat untuk menggunakan facial recognition payment di kalangan millenial dan gen-Z : peran attitude dan trust
T Teknologi kini semakin banyak digunakan oleh masyarakat, bukan hanya karena sudah memasuki industri 4.0, tetapi karena efek baik dari teknologi memudahkan aktivitas banyak orang. Berawal dari pertukaran informasi yang cepat, sistem pembelajaran tidak lagi memerlukan pertemuan tatap muka dan pekerjaan yang dapat dilakukan dimana saja. Salah satu faktor terpenting dalam meluasnya penggunaan teknologi adalah pandemi covid-19; pandemi meningkatkan penggunaan metode pembayaran tanpa sentuhan seperti pengenalan wajah dan kode QR dalam layanan transaksi digital dan offline, sehingga tujuan penelitian adalah untuk mengetahui perilaku konsumen Generasi-Z dan Millennial melalui trust dan attitudes towards Facial Recognition Payment (FRP) dalam menggunakan metode pembayaran tanpa sentuhan. Untuk menguji hipotesis dalam penelitian ini, kuesioner online disebarkan dengan 145 tanggapan valid yang diterima di Indonesia pada bulan November hingga Desember 2022. Data kemudian dianalisis menggunakan metode statistik yang berbeda, termasuk statistik deskriptif, analisis reliabilitas, analisis validitas, goodness of fit dan structural equation modelling (SEM). Hasil penelitian menunjukkan bahwa Perceived Value mempengaruhi Trust secara positif, Perceived Ease of Use dan Perceived Personal Innovativeness mempengaruhi Consumer Attitudes toward FRP secara positif, Consumer Attitudes toward FRP mempengaruhi Intention to use. Sedangkan Perceived Usefulness tidak mempengaruhi Consumer Attitudes Toward FRP secara positif, Perceived Risk tidak mempengaruhi Consumer Attitudes toward FRP secara negative, dan Trust tidak memepngaruhi Consumer Attitudes toward FRP dan Intention to Use.
T Technology is now being used more and more by society, not only because it has entered industry 4.0, but because the good effects of technology make it easier for many people's activities. Starting from the rapid exchange of information, the learning system no longer requires face-to-face meetings and work that can be done anywhere. One of the most important factors in the widespread use of technology is the COVID-19 pandemic; the pandemic increases the use of touchless payment methods, such as facial recognition and QR codes in digital and offline transaction services, so the research aims to find out the behavior of Generation-Z and Millennial consumers through trust and attitudes towards Facial Recognition Payment (FRP) in using touchless payment methods. To test the hypotheses in this study, an online questionnaire was distributed with 145 valid responses received in Indonesia from November to December 2022. Data were then analyzed using different statistical methods, including descriptive statistics, reliability analysis, validity analysis, the goodness of fit, and structural equations modeling (SEM). The results of the study show that Perceived Value positively influences Trust, Perceived Ease of Use, and Perceived Personal Innovativeness positively influence Consumer Attitudes toward FRP, and Consumer Attitudes toward FRP positively influence Intention to Use. Meanwhile, Perceived Usefulness does not positively affect Consumer Attitudes toward FRP, Perceived Risk does not affect Consumer Attitudes toward FRP negatively, and Trust does not affect Consumer Attitudes toward FRP and Intention to Use positively.