基于技术-组织-环境(TOE)框架的中小微企业数字无现金支付准备度模型——基于中小微企业用户(Gopay和Ovocash)的研究

Novita Ekasari, Rosmeli Rosmeli, Rista Aldilla Syafri
{"title":"基于技术-组织-环境(TOE)框架的中小微企业数字无现金支付准备度模型——基于中小微企业用户(Gopay和Ovocash)的研究","authors":"Novita Ekasari, Rosmeli Rosmeli, Rista Aldilla Syafri","doi":"10.2991/aer.k.210825.043","DOIUrl":null,"url":null,"abstract":"The success of a good business is determined by a strategy that is able to compete with its competitors, one of which is by using a non-cash payment system (digital) so as to provide convenience for consumers to make payments anywhere and anytime there both for online and offline sales. Non-cash payment methods have begun to be applied by businesses by starting to cooperate with the largest digital platforms in Indonesia, namely Go Pay and OVO cash. The purpose of this study is to see the readiness of micro, small and medium enterprises in using digital payment methods with a TOE (technology-organization-environment) approach and then see if they are ready to use digital payment seen from these 3 sides, this study represents samples from 5 cities in Sumatra Island namely Aceh, Medan, Jambi, Pekanbaru and Lampung.The study used a sample of respondents, who have collaborated with GoPay and OVOCash applications totaling 175 MSMEs. This research uses PLS and Path Analysis techniques with the SPSS test tool. The results showed that MSMEs in sumatra region can absorb the use of digital payments seen in terms of Technology with a percentage absorption of 75.8%, Organization by 41.2% and Environment by 58.2%. The conclusion of this study is that there is a readiness of businesses from 5 major cities in Sumatra to use digital payments Gopay and OVO cash that makes their business easier.","PeriodicalId":131374,"journal":{"name":"Proceedings of the 3rd Green Development International Conference (GDIC 2020)","volume":"7 1","pages":"0"},"PeriodicalIF":0.0000,"publicationDate":"2021-08-26","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":"0","resultStr":"{\"title\":\"Digital Cashless Payment Readiness Model on MSMEs Using Technological-Organization-Environtment (TOE) Framework: Study on MSME Users Gopay and Ovocash)\",\"authors\":\"Novita Ekasari, Rosmeli Rosmeli, Rista Aldilla Syafri\",\"doi\":\"10.2991/aer.k.210825.043\",\"DOIUrl\":null,\"url\":null,\"abstract\":\"The success of a good business is determined by a strategy that is able to compete with its competitors, one of which is by using a non-cash payment system (digital) so as to provide convenience for consumers to make payments anywhere and anytime there both for online and offline sales. Non-cash payment methods have begun to be applied by businesses by starting to cooperate with the largest digital platforms in Indonesia, namely Go Pay and OVO cash. The purpose of this study is to see the readiness of micro, small and medium enterprises in using digital payment methods with a TOE (technology-organization-environment) approach and then see if they are ready to use digital payment seen from these 3 sides, this study represents samples from 5 cities in Sumatra Island namely Aceh, Medan, Jambi, Pekanbaru and Lampung.The study used a sample of respondents, who have collaborated with GoPay and OVOCash applications totaling 175 MSMEs. This research uses PLS and Path Analysis techniques with the SPSS test tool. The results showed that MSMEs in sumatra region can absorb the use of digital payments seen in terms of Technology with a percentage absorption of 75.8%, Organization by 41.2% and Environment by 58.2%. The conclusion of this study is that there is a readiness of businesses from 5 major cities in Sumatra to use digital payments Gopay and OVO cash that makes their business easier.\",\"PeriodicalId\":131374,\"journal\":{\"name\":\"Proceedings of the 3rd Green Development International Conference (GDIC 2020)\",\"volume\":\"7 1\",\"pages\":\"0\"},\"PeriodicalIF\":0.0000,\"publicationDate\":\"2021-08-26\",\"publicationTypes\":\"Journal Article\",\"fieldsOfStudy\":null,\"isOpenAccess\":false,\"openAccessPdf\":\"\",\"citationCount\":\"0\",\"resultStr\":null,\"platform\":\"Semanticscholar\",\"paperid\":null,\"PeriodicalName\":\"Proceedings of the 3rd Green Development International Conference (GDIC 2020)\",\"FirstCategoryId\":\"1085\",\"ListUrlMain\":\"https://doi.org/10.2991/aer.k.210825.043\",\"RegionNum\":0,\"RegionCategory\":null,\"ArticlePicture\":[],\"TitleCN\":null,\"AbstractTextCN\":null,\"PMCID\":null,\"EPubDate\":\"\",\"PubModel\":\"\",\"JCR\":\"\",\"JCRName\":\"\",\"Score\":null,\"Total\":0}","platform":"Semanticscholar","paperid":null,"PeriodicalName":"Proceedings of the 3rd Green Development International Conference (GDIC 2020)","FirstCategoryId":"1085","ListUrlMain":"https://doi.org/10.2991/aer.k.210825.043","RegionNum":0,"RegionCategory":null,"ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":null,"EPubDate":"","PubModel":"","JCR":"","JCRName":"","Score":null,"Total":0}
引用次数: 0

摘要

一个好的企业的成功取决于一个能够与竞争对手竞争的策略,其中一个是使用非现金支付系统(数字),为消费者提供方便,随时随地进行在线和线下销售。非现金支付方式已经开始被企业应用,他们开始与印尼最大的数字平台Go Pay和OVO cash合作。本研究的目的是了解微型、小型和中型企业在使用TOE(技术-组织-环境)方法的数字支付方式方面的准备情况,然后从这三个方面来看他们是否准备好使用数字支付。本研究代表了苏门答腊岛5个城市的样本,即亚齐、棉兰、占碑、北干巴鲁和楠pung。该研究使用了受访者样本,他们与GoPay和OVOCash应用程序合作,共计175家中小微企业。本研究使用PLS和路径分析技术与SPSS测试工具。结果表明,苏门答腊地区的中小微企业可以吸收数字支付的使用,从技术方面来看,吸收率为75.8%,组织为41.2%,环境为58.2%。这项研究的结论是,苏门答腊岛5个主要城市的企业已经准备好使用数字支付Gopay和OVO现金,这使他们的业务更容易。
本文章由计算机程序翻译,如有差异,请以英文原文为准。
Digital Cashless Payment Readiness Model on MSMEs Using Technological-Organization-Environtment (TOE) Framework: Study on MSME Users Gopay and Ovocash)
The success of a good business is determined by a strategy that is able to compete with its competitors, one of which is by using a non-cash payment system (digital) so as to provide convenience for consumers to make payments anywhere and anytime there both for online and offline sales. Non-cash payment methods have begun to be applied by businesses by starting to cooperate with the largest digital platforms in Indonesia, namely Go Pay and OVO cash. The purpose of this study is to see the readiness of micro, small and medium enterprises in using digital payment methods with a TOE (technology-organization-environment) approach and then see if they are ready to use digital payment seen from these 3 sides, this study represents samples from 5 cities in Sumatra Island namely Aceh, Medan, Jambi, Pekanbaru and Lampung.The study used a sample of respondents, who have collaborated with GoPay and OVOCash applications totaling 175 MSMEs. This research uses PLS and Path Analysis techniques with the SPSS test tool. The results showed that MSMEs in sumatra region can absorb the use of digital payments seen in terms of Technology with a percentage absorption of 75.8%, Organization by 41.2% and Environment by 58.2%. The conclusion of this study is that there is a readiness of businesses from 5 major cities in Sumatra to use digital payments Gopay and OVO cash that makes their business easier.
求助全文
通过发布文献求助,成功后即可免费获取论文全文。 去求助
来源期刊
自引率
0.00%
发文量
0
×
引用
GB/T 7714-2015
复制
MLA
复制
APA
复制
导出至
BibTeX EndNote RefMan NoteFirst NoteExpress
×
提示
您的信息不完整,为了账户安全,请先补充。
现在去补充
×
提示
您因"违规操作"
具体请查看互助需知
我知道了
×
提示
确定
请完成安全验证×
copy
已复制链接
快去分享给好友吧!
我知道了
右上角分享
点击右上角分享
0
联系我们:info@booksci.cn Book学术提供免费学术资源搜索服务,方便国内外学者检索中英文文献。致力于提供最便捷和优质的服务体验。 Copyright © 2023 布克学术 All rights reserved.
京ICP备2023020795号-1
ghs 京公网安备 11010802042870号
Book学术文献互助
Book学术文献互助群
群 号:481959085
Book学术官方微信