CD Tesis

Keputusan Penggunaan Aplikasi Ovo Yang Di Pengaruhi Oleh E-Wom Dengan Kepercayaan Sebagai Variabel Mediasi Pada Mahasiswa Fakultas Ekonomi Dan Bisnis Universitas Riau

---

The development of financial technology (fintech) has given birth to various service innovations, one of which is a digital wallet. Through this product, users can save money and transact electronically. Based on data from Bank Indonesia (BI), no less than 38 electronic wallet applications (e-wallet) have obtained official licenses. During the 2020 period alone, India-based research and advisory agency RedSeer reported that e-wallet transactions in Indonesia had reached US$1.5 billion, equivalent to Rp21.73 trillion (exchange rate of Rp.14,490 per US dollar). In fact, RedSeer estimates that electronic wallet transactions will surge to US$25 billion, equivalent to Rp362.2 trillion. This is supported by the increasing penetration of cellular phone and internet users in the country. Still from BI data, the total electronic money transactions including digital wallets in Indonesia throughout 2021 reached 5.22 billion transactions. Meanwhile, the value of electronic money transactions rose sharply by 207% to Rp145.16 trillion in 2021.
There are many electronic wallets that appear today, such as DANA, OVO, GoPay, LinkAja, Jenius, iSaku, and other financial applications. These applications provide payment services with a Top Up system, or we pay and save money on the application. So when we need money to pay for something, such as motorcycle taxis, shopping at supermarkets, and so on, consumers only need to scan the barcode.
The conveniences offered by these applications in a transaction are of course attractive for consumers to use these applications. In this case the researcher is researching about OVO, which is an application that provides an online payment system that facilitates a simple and secure payment process that is ready to make all financial transactions faster, OVO is also a smart application that gives its customers a great opportunity to collect points in many places. OVO users can use it to transact at all merchants marked OVO Accepted Here and collect and use OVO Points at merchants marked OVO Zone. There are also two types of payment methods, namely OVO Cash and OVO Points.
This study is to see the direct and indirect effect of the decision to use the OVO application which is influenced by e-WOM with trust as a mediating variable. This study is the user of the OVO application at the University of Riau, especially undergraduate students of the Faculty of Economics and Business. In this study used the technique of Probability Sampling with sampling is done by . Determination of the sample in this study using Isaac and Michael's table from a certain population with a level of 5%. The sample obtained by determining the Isaac and Michael sample from a certain population with an error rate of 5% is rounded up to 251 samples.
The results in this study indicate that E-WOM can increase the level of trust in the use of OVO applications. This is because the OVO application is able
xv
to convey communication media to share information about variations of OVO products that are always updated so that it will provide a level of trust for students to recommend OVO applications to others. E-WOM provides an increase in usage decisions, because the application of E-WOM in carrying out the intensity of opinions on social media will provide an increase in usage decisions. Student confidence in the use of OVO applications is getting higher in usage decisions because of the level of trust of application users where OVO is able to transact honestly and the brand that is owned has its own advantages for users so that it will provide an increase in usage decisions. Trust is able to mediate the effect of E-WOM in improving usage decisions. Due to the level of trust in the application as expected by the user and supported by honest communication with positive comments in the media so as to provide an increase in usage decisions.
Key Word : OVO Applications, e-WOM and Trust

---

Ketersediaan

Informasi Detail

Judul Seri

-

No. Panggil

1810246319

Penerbit

Pekanbaru : Universitas Riau – Pascasarjana – Tesis Manajemen., 2022

Deskripsi Fisik

-

Bahasa

Indonesia

ISBN/ISSN

-

Klasifikasi

1810246319

Tipe Isi

-

Tipe Media

-

Tipe Pembawa

-

Edisi

-

Subjek

MANAJEMEN

Info Detail Spesifik

-

Pernyataan Tanggungjawab

FATAH

Versi lain/terkait

Lampiran Berkas

Komentar

---

Anda harus masuk sebelum memberikan komentar