Penerimaan keuangan digital dalam pandangan generasi lanjut usia

Rizqina, Rahma Yuni (2023) Penerimaan keuangan digital dalam pandangan generasi lanjut usia. Masters thesis, Universitas Pelita Harapan.

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Abstract

Perubahan teknologi yang terjadi saat ini telah dipengaruhi oleh kebutuhan masyarakat yang mendambakan efisiensi pada segala aspek, khususnya aspek ekonomi. Keuangan digital hadir dengan beragam kemudahan untuk membantu kita melakukan transaksi keuangan dari mana saja tanpa terhalang waktu dan jarak. Selain generasi muda, para generasi lanjut usia (lansia) juga ikut merasakan dampak dari hadirnya uang digital. Penelitian ini dilakukan dengan tujuan untuk melihat bagaimana lansia dapat menerima kehadiran keuangan digital. Penelitian ini menggunakan metode penelitian kualitatif dan paradigma interpretif dengan pendekatan Technology Acceptance Model (TAM) untuk menganalisis bagaimana lansia dapat menerima kehadiran keuangan digital yang ditinjau melalui 2 faktor yaitu manfaat dan kemudahan. Pengumpulan data penelitian dilakukan dengan data primer, yaitu wawancara serta data sekunder berupa studi kepustakaan. Wawancara dilakukan kepada para generasi lanjut usia berusia 60 tahun keatas yang mengetahui tentang keuangan digital. Hasil penelitian ini menunjukkan bahwa, para lansia yang menjadi informan dalam penelitian ini telah mengetahui kehadiran uang digital, karena kondisi di lingkungan sekitar mereka yang sudah banyak menggunakan keuangan digital. Para lansia yang telah menjadi pengguna aktif keuangan digital menyatakan karena alasan keamanan, privasi, fleksifitas, kegunaan, dan kemudahan dalam penggunaan. Sedangkan para lansia lainnya menyatakan tidak ingin menggunakan uang digital karena khawatir terhadap peretasan, teledor, dan kesulitan dalam menggunakannya. / The current technological changes have been influenced by the needs of people who crave efficiency in all aspects, especially economic aspects. Digital finance comes with a variety of conveniences to help us make financial transactions from anywhere without being hindered by time and distance. In addition to the younger generation, older generations (elderly) also feel the impact of digital money. This study was conducted with the aim of seeing how the elderly can accept the presence of digital finance. This study used qualitative research methods and interpretive paradigms with the Technology Acceptance Model (TAM) approach to analyze how the elderly can accept the digital financial presence reviewed through two factors namely benefits and ease. The collection of research data was conducted with primary data, that is, interviews and secondary data in the form of library studies. Interviews were conducted to older generations aged 60 and over who knew about digital finance. The results of this study showed that the elderly who were informants in this study were aware of the presence of digital money, due to the conditions in the surrounding environment that already use digital finance. The elderly who have become active users of digital finance have stated for reasons of security, privacy, flexibility, usability, and ease of use. Meanwhile, other elderly people claim that they do not want to use digital money because they are worried about hacking, tapeding, and difficulty in using it.

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