Factors Influencing the Use of the sMartCU E-Commerce Platform in the Credit Union Movement in Indonesia: A Case Study of PUSKOPCUINA

Tony; Heriyadi; Erna Listiana

doi:10.59890/ijbmp.v3i1.337

Authors

Tony Tanjungpura University
Heriyadi Tanjungpura University
Erna Listiana Tanjungpura University

DOI:

https://doi.org/10.59890/ijbmp.v3i1.337

Keywords:

sMartCU, E-Commerce Adoption, Ease of Use, Economic Benefit, Trust, Trust Credit Nion

Abstract

This study analyzes the influence of Perceived Ease of Use Technology (PEU) and Perceived Economic Benefit (PEB) on the usage of the sMartCU e-commerce platform by Credit Union (CU) members under PUSKOPCUINA, with Trust in the Platform as a mediating variable. The study is motivated by the low adoption rate of sMartCU, despite being developed to facilitate digital transactions among CU members. Using a quantitative survey method and Structural Equation Modeling (SEM) analysis with 200 active sMartCU users, the results show that PEU and PEB significantly affect members' trust in the platform, which subsequently influences the level of platform usage. Furthermore, trust is proven to mediate the relationship between PEU, PEB, and platform usage. This study highlights the importance of ease of use, economic benefits, and trust in enhancing the adoption of e-commerce platforms within the CU movement in Indonesia

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