Title:
THE ROLE OF TECHNOLOGY AWARENESS AND AGE IN MODERATING THE FACTORS AFFECTING CASHLESS USE BEHAVIOR : STUDY ON BRIZZI CARD OF PT. BANK RAKYAT INDONESIA IN BANDA ACEH

Authors:
*Yusrizal, Permana Honneyta Lubis and Syafruddin

Abstract:
Changes in payment instruments are driven by advances in digital technology, shifting the role of cash as a means of payment to more efficient and economical forms of non-cash payments. The purpose of this study is to look at the effect of performance expectancy, social influence and facilitating condition on cashless intention behavior and their impact simultaneously on cashless use behavior. The population was the users of the BRIZZI card of PT. Bank Rakyat Indonesia in the branch of Banda Aceh. This study used a sample technique with stratified random sampling method and provided the sample as much as 160 people. The results showed that of the 7 direct hypotheses that were all accepted because they had CR and P values that had met the requirements. The results of indirect hypothesis testing namely performance expectancy, social influence and facilitating condition on cashless use behavior through cashless intention behavior are significant. The role of cashless intention behavior in the research model is as the partial mediator. In the measurement, the cashless intention behavior has the greatest magnitude, so this variable needs to be maintained so that its contribution in increasing cashless use behavior during periods will come consistently. The novelty in this study lies in the use of technological awareness and age as moderation variables. This contributes to enrich and update the causality theories in management, and also the research model tested can be as a reference for practitioners especially for the leaders in PT. Bank Rakyat Indonesia in Banda Aceh.