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"ABSTRACTElectronic-commerce (E-Commerce) has become an important channel for conducting business. Researchers as well as market executives are trying to find e-commerce consumer behavior, especially Micro Small Medium Enterprise (MSME) in Bandung. The aim of this paper is to investigate what factors affect the technology acceptance of e-commerce in Bandung, which intended to identify what improvement can be made for the future. The data for this research were collected from 133 respondents MSMEs that never use e-commerce for their business process. The research model is based on Technology Acceptance Model (TAM). Results showed that awareness has positive indirect influence to intention use but, perceived usefulness has insignificant affect towards intention to use. In conclusion, from the percentage of influence toward behavioral intention, perceived usefulness has higher total effect value compared to perceived ease of use, that is 56%. Based on previous analyzes also known that can directly affect the perceived usefulness of behavioral intention, in contrast to the perceived ease of use that must pass variables perceived usefulness beforehand. Therefore, the most important for MSMEs is the increasing number of benefits when they use e-commerce."

"E-Commerce sebagai penengah yang mempertemukan antara konsumen dan juga produsen berkembang dan menyediakan jasa produk digital. Digital product atau digital goods sendiri merupakan produk yang tidak memiliki bukti fisik namun memiliki kegunaan bagi pemiliknya yang dapat dikonsumsi atau diproduksi kembali Quah, 2003. Di Indonesia, produk digital yang popular dikonsumsi mulai dari pulsa, pembelian token PLN, voucher game, hingga pemesanan akomodasi dan tiket perjalanan. Hal ini dikarenakan kemudahan yang disediakan oleh produk digital dan juga fitur-fitur yang ada di aplikasi E-Commerce menyebabkan mudahnya pembelian produk digital pada aplikasi E-Commerce, maka menarik untuk dianalisa faktor apakah yang menyebabkan repurchase intention untuk produk digital ini terutama di aplikasi E-Commerce.

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E-Commerce as a medium that connects buyers and sellers now has developed, and now you can purchase digital goods through E Commerce. Digital Goods is a product that has no physical form but have function that can be consumed Quah, 2003. In Indonesia, popular digital goods such as mobile phone balance, electricity bills, game vouchers, and accommodation tickets. This is because the easiness of purchasing digital goods compared to traditional ways and the features that people can enjoy from E Commerce application making purchase of digital goods easy to do. So, it is interesting to be analyzed what factor causes repurchase intention of digital goods on E-Commerce application."

"E-commerce adalah industri yang berkembang pesat di Indonesia, dengan jumlah toko online yang melampaui jutaan pengunjung didorong oleh infrastruktur yang berkembang di sekitar e-channel ini. Namun, data menunjukkan bahwa konsumen Indonesia hanya menggunakan sebagian kecil waktu online mereka untuk berbelanja, terutama karena kasus penipuan, pelanggaran data, dan risiko lain yang masih ada seputar penggunaan e-commerce. Studi ini bermaksud untuk menganalisis bagaimana perilaku konsumen dengan menggunakan trust Enhanced Technology Acceptance Model dan empat dimensi risiko-financial, privacy, convenience, performance-untuk mengidentifikasi pendorong dan penghambat penggunaan e-commerce. Hasil penelitian menunjukkan bahwa masing-masing variabel Trust Enhanced TAM dan masing-masing dimensi risiko berpengaruh signifikan terhadap berbagai tolok ukur perilaku konsumen terhadap e-commerce.

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E-commerce is a rapidly growing industry in Indonesia, with numerous online stores surpassing millions of visitors prompted by the developing infrastructure surrounding this e-channel. However, data suggests that Indonesian consumers only use a small portion of their time online for shopping purposes, mainly due to the cases of fraud, data breaches, and other risks that persist around e-commerce usage. This study intends to analyze how businesses can understand consumer behavior by using the Trust Enhanced Technology Acceptance Model and the four risk dimensions- financial, privacy, convenience, performance-to identify the drivers and deterrents of e-commerce usage. The results indicate that each variable of Trust Enhanced TAM and each dimension of risk is significant in affecting various benchmarks of consumer behavior towards e-commerce."

"Sejak pertama kali diperkenalkan di Indonesia pada tahun 2018, BNPL memiliki tren yang pesat terutama jika dibandingkan dengan kartu kredit yang memiliki konsep sejenis dengannya. Walaupun begitu, apabila dibandingkan dengan metode pembayaran lain di e-commerce seperti digital wallet, virtual account, transfer bank, dan cash on delivery, penggunaan BNPL masih kurang unggul. Berangkat dari permasalahan tersebut, peneliti terdorong untuk mengeksplorasi faktor affordance yang memengaruhi minat bertransaksi menggunakan BNPL yang dimiliki oleh e-commerce. Hal ini dilakukan dengan menggunakan technology affordance theory (affordance theory—teori yang menjelaskan mengenai faktor yang dimiliki suatu artefak TI yang dapat dirasakan oleh seseorang) dan teori Technology Acceptance Model. Penelitian dilakukan dengan menggunakan pendekatan exploratory sequential method. Pada penelitian kualitatif dilakukan pencarian affordance dari BNPL yang dimiliki oleh e-commerce melalui wawancara bersama 10 pengguna BNPL. Hasil wawancara diolah menggunakan thematic analysis sehingga terbentuk tema-tema yang digunakan untuk pembentukan model penelitian. Selanjutnya, peneliti menyebarkan kuesioner secara daring dan mendapatkan total 334 data responden yang valid. Data yang didapatkan kemudian diuji menggunakan PLS-SEM. Melalui hasil penelitian, didapatkan bahwa faktor affordance, yaitu informativeness, convenience, security, monetary benefit, dan immediate resource memiliki pengaruh terhadap minat bertransaksi menggunakan BNPL yang dimiliki oleh e-commerce. Namun, hasil penelitian menunjukkan bahwa terdapat satu faktor affordance, yaitu financial management yang tidak terbukti memengaruhi minat bertransaksi menggunakan BNPL yang dimiliki oleh e-commerce. Di sisi lain, perceived ease of use tidak terbukti memengaruhi attitude seseorang terhadap BNPL.

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Since it was introduced in 2018, BNPL had a rapid growth, outpacing credit cards that have a similar concept. Despite its popularity, compared to other payment methods in ecommerce such as, digital wallet, bank transfer, virtual account and Cash on Delivery, BNPL usage still lags behind. Based on this problem, researchers are encouraged to explore the affordance that influences purchase intention using BNPL in e-commerce. This study used technology affordance theory (which explains factors or features given by IT artifacts that can be perceived by someone) and Technology Acceptance Model. This research is conducted using mixed method, specifically exploratory sequential method approach. The qualitative research conducted to explore affordance of BNPL in e-commerce through interviews with 10 BNPL’s users. The result of the interview was then processed using thematic analysis to find potential themes used for the research model. Researchers distributed questionnaires online and got 334 valid respondent data. The research model was tested quantitatively using the PLS-SEM method. The result found that affordance factors such as informativeness, convenience, security, monetary benefit and immediate resource have been proven to influence purchase intention using BNPL in e-commerce. However, the study did not find a relationship between financial management affordance and purchase intention using BNPL in e-commerce. The result also showed that perceived ease of use don’t have significant relationship with individual attitude towards BNPL."

"ejak pertama kali diperkenalkan di Indonesia pada tahun 2018, BNPL memiliki tren yang pesat terutama jika dibandingkan dengan kartu kredit yang memiliki konsep sejenis dengannya. Walaupun begitu, apabila dibandingkan dengan metode pembayaran lain di e-commerce seperti digital wallet, virtual account, transfer bank, dan cash on delivery, penggunaan BNPL masih kurang unggul. Berangkat dari permasalahan tersebut, peneliti terdorong untuk mengeksplorasi faktor affordance yang memengaruhi minat bertransaksi menggunakan BNPL yang dimiliki oleh e-commerce. Hal ini dilakukan dengan menggunakan technology affordance theory (affordance theory—teori yang menjelaskan mengenai faktor yang dimiliki suatu artefak TI yang dapat dirasakan oleh seseorang) dan teori Technology Acceptance Model. Penelitian dilakukan dengan menggunakan pendekatan exploratory sequential method. Pada penelitian kualitatif dilakukan pencarian affordance dari BNPL yang dimiliki oleh e-commerce melalui wawancara bersama 10 pengguna BNPL. Hasil wawancara diolah menggunakan thematic analysis sehingga terbentuk tema-tema yang digunakan untuk pembentukan model penelitian. Selanjutnya, peneliti menyebarkan kuesioner secara daring dan mendapatkan total 334 data responden yang valid. Data yang didapatkan kemudian diuji menggunakan PLS-SEM. Melalui hasil penelitian, didapatkan bahwa faktor affordance, yaitu informativeness, convenience, security, monetary benefit, dan immediate resource memiliki pengaruh terhadap minat bertransaksi menggunakan BNPL yang dimiliki oleh e-commerce. Namun, hasil penelitian menunjukkan bahwa terdapat satu faktor affordance, yaitu financial management yang tidak terbukti memengaruhi minat bertransaksi menggunakan BNPL yang dimiliki oleh e-commerce. Di sisi lain, perceived ease of use tidak terbukti memengaruhi attitude seseorang terhadap BNPL.

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Since it was introduced in 2018, BNPL had a rapid growth, outpacing credit cards that have a similar concept. Despite its popularity, compared to other payment methods in ecommerce such as, digital wallet, bank transfer, virtual account and Cash on Delivery, BNPL usage still lags behind. Based on this problem, researchers are encouraged to explore the affordance that influences purchase intention using BNPL in e-commerce. This study used technology affordance theory (which explains factors or features given by IT artifacts that can be perceived by someone) and Technology Acceptance Model. This research is conducted using mixed method, specifically exploratory sequential method approach. The qualitative research conducted to explore affordance of BNPL in e-commerce through interviews with 10 BNPL’s users. The result of the interview was then processed using thematic analysis to find potential themes used for the research model. Researchers distributed questionnaires online and got 334 valid respondent data. The research model was tested quantitatively using the PLS-SEM method. The result found that affordance factors such as informativeness, convenience, security, monetary benefit and immediate resource have been proven to influence purchase intention using BNPL in e-commerce. However, the study did not find a relationship between financial management affordance and purchase intention using BNPL in e-commerce. The result also showed that perceived ease of use don’t have significant relationship with individual attitude towards BNPL."

"Sejak pertama kali diperkenalkan di Indonesia pada tahun 2018, BNPL memiliki tren yang pesat terutama jika dibandingkan dengan kartu kredit yang memiliki konsep sejenis dengannya. Walaupun begitu, apabila dibandingkan dengan metode pembayaran lain di e-commerce seperti digital wallet, virtual account, transfer bank, dan cash on delivery, penggunaan BNPL masih kurang unggul. Berangkat dari permasalahan tersebut, peneliti terdorong untuk mengeksplorasi faktor affordance yang memengaruhi minat bertransaksi menggunakan BNPL yang dimiliki oleh e-commerce. Hal ini dilakukan dengan menggunakan technology affordance theory (affordance theory—teori yang menjelaskan mengenai faktor yang dimiliki suatu artefak TI yang dapat dirasakan oleh seseorang) dan teori Technology Acceptance Model. Penelitian dilakukan dengan menggunakan pendekatan exploratory sequential method. Pada penelitian kualitatif dilakukan pencarian affordance dari BNPL yang dimiliki oleh e-commerce melalui wawancara bersama 10 pengguna BNPL. Hasil wawancara diolah menggunakan thematic analysis sehingga terbentuk tema-tema yang digunakan untuk pembentukan model penelitian. Selanjutnya, peneliti menyebarkan kuesioner secara daring dan mendapatkan total 334 data responden yang valid. Data yang didapatkan kemudian diuji menggunakan PLS-SEM. Melalui hasil penelitian, didapatkan bahwa faktor affordance, yaitu informativeness, convenience, security, monetary benefit, dan immediate resource memiliki pengaruh terhadap minat bertransaksi menggunakan BNPL yang dimiliki oleh e-commerce. Namun, hasil penelitian menunjukkan bahwa terdapat satu faktor affordance, yaitu financial management yang tidak terbukti memengaruhi minat bertransaksi menggunakan BNPL yang dimiliki oleh e-commerce. Di sisi lain, perceived ease of use tidak terbukti memengaruhi attitude seseorang terhadap BNPL.

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Since it was introduced in 2018, BNPL had a rapid growth, outpacing credit cards that have a similar concept. Despite its popularity, compared to other payment methods in e- commerce such as, digital wallet, bank transfer, virtual account and Cash on Delivery, BNPL usage still lags behind. Based on this problem, researchers are encouraged to explore the affordance that influences purchase intention using BNPL in e-commerce. This study used technology affordance theory (which explains factors or features given by IT artifacts that can be perceived by someone) and Technology Acceptance Model. This research is conducted using mixed method, specifically exploratory sequential method approach. The qualitative research conducted to explore affordance of BNPL in e-commerce through interviews with 10 BNPL’s users. The result of the interview was then processed using thematic analysis to find potential themes used for the research model. Researchers distributed questionnaires online and got 334 valid respondent data. The research model was tested quantitatively using the PLS-SEM method. The result found that affordance factors such as informativeness, convenience, security, monetary benefit and immediate resource have been proven to influence purchase intention using BNPL in e-commerce. However, the study did not find a relationship between financial management affordance and purchase intention using BNPL in e-commerce. The result also showed that perceived ease of use don’t have significant relationship with individual attitude towards BNPL."