Pengaruh Kemudahan Akses dan Persepsi Keamanan terhadap Keputusan Penggunaan GoPay: Peran Moderasi Manajemen Fintech pada UMKM Kota Semarang

Didik Sofyan Haryadi; Ronaldo Aprili; Aldina Esty Purwanti; Kapsah Kapsah

doi:10.59603/masman.v4i2.1433

Authors

Didik Sofyan Haryadi Universitas Sains dan Teknologi Komputer
Ronaldo Aprili Universitas Sains dan Teknologi Komputer
Aldina Esty Purwanti Universitas Sains dan Teknologi Komputer
Kapsah Kapsah Universitas Sains dan Teknologi Komputer

DOI:

https://doi.org/10.59603/masman.v4i2.1433

Keywords:

Ease Of Access, Fintech Management, MSMEs, Perceived Security, User Decisions

Abstract

This research was designed to explore how perceived security and ease of access shape GoPay adoption choices among MSMEs in Semarang, with a specific focus on the moderating role of fintech management. Methodologically, the study employed a quantitative associative design. Data was collected via a 5-point Likert questionnaire from 100 purposively sampled MSME operators and processed using PLS-SEM through SmartPLS. The results highlight that ease of access, perceived security, and fintech management each exert a significant, positive impact on the decision to use GoPay, collectively yielding an Adjusted R Square of 0.827. However, the data revealed an interesting dynamic: fintech management did not actually moderate the effects of ease of access or security. Rather than strengthening those relationships, it operates as a direct catalyst for usage. Theoretically, this confirms that the Technology Acceptance Model remains a solid framework for understanding fintech adoption among small businesses. From a practical standpoint, the message to fintech companies is straightforward. To ensure long-term, sustainable usage, they cannot just rely on a seamless interface or tight security; they must integrate solid service management into their overall strategy.

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