FACTORS INFLUENCING MERCHANTS INTEREST IN

USING BANK MANDIRI'S EDC (ELECTRONIC DATA

CAPTURE) AT PT BANK MANDIRI (PERSERO) TBK
REGIONAL III JAKARTA 1
1
CHOLID IBRAHIM ACHMAD, 2RIYANTO JAYADI
1
Information Systems Management Department, BINUS Graduate Program – Master of
Information Systems Management, Bina Nusantara University, Jakarta, Indonesia
2
Information Systems Management Department, BINUS Graduate Program – Master of
Information Systems Management, Bina Nusantara University, Jakarta, Indonesia
E-mail: 1Cholid.achmad001@binus.ac.id, 2Riyanto.jayadi@binus.edu

ABSTRACT

Along with the development of information systems and technology, making very significant changes to
payment methods in Indonesia especially in Jakarta. The emergence of new methods in cashless payments,
especially in bank products such as EDC machines such as EDC Bank Mandiri, BNI, BRI, BCA, has
shifted some people who are switching from cash payment methods (Cash) to non-cash methods (Cashless).
For this reason, researchers conducted research to look for factors that influence merchant interest in using
ECD (Electronic Data Capture) of Bank Mandiri at Bank Mandiri (Persero) Tbk regional III Jakarta.
Researchers used the UTAUT2 (Unified Theory of Acceptance and Use of Technology 2) research model
and the IS Success Model. The construct of this research model uses the construct of performance
expectancy, effort expectancy, facilitating conditions, price value, information quality, system quality,
service quality, behavioral intention, user satisfaction, use behavior. The number of respondents in this
study amounted to 400 respondents using Smart PLS.
Keywords: Five Keywords are Required Separated By Commas (Capitalize Each Work Italic)

1. INTRODUCTION through Visa International and Bank Mandiri

1.1 Background
This Along with the development of technology,
the number of credit and debit card issuances in
banking is still growing significantly. The existence
of fintech does not make banking products such as
credit cards and debit cards abandoned. In 2019, PT
Bank Mandiri Tbk managed to record a 7.8%
increase in credit card issuance where the amount,
credit card of PT Bank Mandiri Tbk reached 1.9
million. As for debit card holders, it reached 21.7
million or up 15.39% compared to 2018.
Debit and debit card issuance is strongly
related to EDC (Electronic Data Capture). Bank
Mandiri's Mandiri EDC or Electronic Data Capture
which is widely available in a number of merchants
is a tool that serves to accept transactions using
Mandiri card and other bank cards electronically
networks. Basically to transact or shop using EDC
will not be charged by Mandiri. However some
merchants there charge about 1.5-3% of the
transaction value for EDC maintenance fees and
late settlement fees.
The benefits of using EDC Machine
include benefits as a customer and benefits as a
merchant. Benefits for merchants in the use of EDC
Machines include reducing the risk of cash handling
such as criminality theft, reducing the risk of
receiving counterfeit money, opening wider
opportunities (can serve customers who do not have
cash), the opportunity to earn greater turnover and
profit margins and can also participate in loyalty
programs or other promotions from Bank Mandiri.
According to DeLone and McLean
(2003) , the qualityof the system and the quality of
the information are positively related to the use of
thesystem. Factors in UTAUT's research model

1
such as performance expectancy, effort expectancy,
social influence and facilitating condition affect the
use of such information systems.
For PT Bank Mandiri (Persero) Tbk
Regional III Jakarta 1 itself has never done research
on what factors influence merchant interest in using
EDC Bank Mandiri. With research into the
acceptance of EDC Bank Mandiri, researchers want
to conduct research to explore what factors
influence merchant interest in using EDC Bank
Mandiri. In this study researchers used a research
model of integration between the UTAUT2 research
model and the IS Success model – Delone &
McLean. The variables used in the UTAUT2
research model are performance expectancy, effort
expectancy, facilititaing conditions, price value,
behavioral intention and use behavior. While the
variable research model IS Success Model uses
variable information quality, system quality, service
quality and user satisfaction.
1.2 Problem Formulation
Based on the explanation above, researchers need
to examine what factors that impacting to merchant
interest when using Bank Mandiri's EDC machine,
which outlined in the research on factors that
impacts Merchant interest when using Bank
Mandiri's EDC (electronic data capture) at PT Bank
Mandiri. (Persero) Tbk Regional III Jakarta I with
the following problem formulations:
1. Does performance expectancy have a significant
impacts on behavioral intention that influencing
merchants' interest when using Bank Mandiri EDC
machines.
2. Does effort expectancy have a significant impacts
on behavioral intention that influencing merchants'
interest when using Bank Mandiri's EDC machines
3. Does facilitating conditions have a significant
impacts on behavioral intention that influencing
merchants' interest when using Bank Mandiri EDC
machines.
4. Does price value have a significant impacts on
behavioral intention in influencing merchants'
interest when using Bank Mandiri EDC machines.
5. Does information quality have a significant
influence on behavioral intention in influencing
merchants' interest when using Bank Mandiri EDC
machines.
6. Does system quality have a significant impacts
on behavioral intention that influencing merchants'
interest when using Bank Mandiri's EDC machines.
2
7. Does service quality have a significant impacts
on behavioral intention that influencing merchants'
interest when using Bank Mandiri's EDC machines.
8. Does user satisfaction have a significant impacts
on behavioral intention that influencing merchants'
interest when using Bank Mandiri's EDC machines.
9. Does information quality have a significant
impacts on user satisfaction that influencing
merchants' interest when using Bank Mandiri EDC
machines.
10. Does system quality have a significant impacts
on user satisfaction that influencing merchants'
interest when using Bank Mandiri EDC machines
11. Does service quality have a significant impacts
on user satisfaction in influencing merchants'
interest that using Bank Mandiri EDC machines.
12. Does behavioral intention have a significant
impacts on use behavior That influencing
merchants' interest when using Bank Mandiri EDC
machines.
1.3 Research Objective
Based on formulation of the problem, the
researcher explains several things which the
objectives of the research. as follows:
1. Analyze the effect of performance expectancy on
behavioral intention in influencing merchant
interest in using Bank Mandiri EDC Machine.
2. Analyze the influence of effort expectancy on
behavioral intention in influencing merchant
interest in using Bank Mandiri EDC Machine.
3. Analyze the effect of facilitating conditions on
behavioral intention in influencing merchant
interest in using Bank Mandiri EDC Machine.
4. Analyze the effect of price value on behavioral
intention in influencing merchant interest in using
Bank Mandiri EDC Machine.
5. Analyze the influence of information quality on
behavioral intention in influencing merchant
interest in using Bank Mandiri EDC Machine.
6. Analyze the effect of system quality on
behavioral intention in influencing merchant
interest in using Bank Mandiri EDC Machine.
7. Analyze the effect of service quality on
behavioral intention in influencing merchant
interest in using Bank Mandiri EDC Machine.
8. Analyze the influence of user satisfaction on
behavioral intention in influencing merchant
interest in using Bank Mandiri EDC Machine.
9. Analyze the influence of information quality on
user satisfaction in influencing merchant interest in
using Bank Mandiri EDC Machine.
10. Analyze the effect of system quality on user
satisfaction in influencing merchant interest in
using Bank Mandiri EDC Machine.
11. Analyze the effect of service quality on user
satisfaction in influencing merchant interest in
using Bank Mandiri EDC Machine.
12. Analyze the influence of behavioral intention on
use behavior in influencing merchant interest in
using Bank Mandiri EDC Machine.
1.4 Research Benefits
With this research is expected to provide
benefits for various parties, including:
1. Benefits for PT Bank Mandiri (Persero) Tbk
Regional III Jakarta I:
Provide input to PT Bank Mandiri (Persero) Tbk
Regional III Jakarta I to provide better service to
merchant users of EDC Bank Mandiri Machine.
2. Benefits for Merchants:
To make merchants safer, more convenient and
easy to use Bank Mandiri EDC Machine.
3. Benefits for subsequent research:
As a reference material for subsequent
research.
1.5 Research Benefits
Scope of this research conducted at PT
Bank Mandiri (Persero) Tbk Regional III Jakarta I.
2. THEORY
2.1 Electronic Banking
Electronic banking or E-banking, also
known as electronic banking, can be defined as
bank services and products directly to customers
via electronic, interactive communication channels.
2.2 EDC (Electronic Data Capture)
EDC or Electronic Data Capture is an
electronic card data reader and usually used as
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payment media for a transaction of goods or
services.
2.3 Internet Business
Internet business is an e-banking service to
conduct financial and non-financial transactions
with internet banking applications intended for
business customers from individual and corporate
segments, especially small and medium enterprise
categories. Features contained in business internet
services include general account information,
transfers, payments, purchases, administration,
business information and business activities.
2.4 Unified Theory of Acceptance and Use of
Technology (UTAUT)
Unified Theory of Acceptance and Use of
Technology (UTAUT). According to Vankatesh
(2003) UTAUT is a model to explain technology
acceptance based on eight acceptance theories or
models.
2.5 DeLone and McLean Information System
Success Model
DeLone and McLean's Information
System Success Model. DeLone and McLean's
model is a model of measuring success in a popular
information system. They identified six variables of
information system success, namely: system
quality, information quality, service quality, user
satisfaction, individual impact and organizational
impact.
2.6 Price Value dan User Satisfaction
Price Value and User Satisfaction.
According to Namin (2016), user costs (price
value) is one of the factors to determine user
satisfaction. Customers consider the price issued
against the value they get. Namin (2016) found a
positive relationship between perceived value and
customer satisfaction where the perceived value is
defined as the level of perceived quality compared
to the price paid.
2.7 Information Quality, System Quality,
Service Quality dan Behavioral Intention
Customer decisions in purchasing the
company's products or services can be determined
by the quality of the information available
(Miyoung Jeung,2001). The quality of information
from the company's offerings is believed to be
critical to creating a positive image of the company
and building a sustainable relationship with
customers, thus the quality of information from a
Web or application affects the customer's intentions
in accessing the Web or application and potentially
to potential buyers (Miyoung Jeung, 2001).
2.8 User Satisfaction dan Behavioral Intention
According to Law et al. (2004) there are
elements that affect (customer satisfaction) with
behavioral intentions. Kivela et al. (1999)
developed abehavioral intention prediction model
based on user satisfaction. In addition, although the
quality of service and customer satisfaction have
interactions.
3. RESEARCH METHODS
3.1 Research Models
The study used the variables of The
Unified Theory of Acceptance and Use of
Technology 2 (UTAUT2) to look at factors in terms
of people's acceptance of developed technologies.
This UTAUT2 model is combined with the IS
Success Model with delone and McLean models.
The research model UTAUT2 and IS Success
Model DeLone & McLean are described as seen in
figure 3.1
1. The Performance Expectancy (X1)
This variable demonstrates merchant
confidence levels, using Bank Mandiri's EDC
Engine can assist Merchants in improving their
performance in line with their expectations. This
study shows whether variable performance
expectancy has an effect on behavioural intention.
2. Effort Expectancy (X2)
This variable wants to show merchant
expectations in using Bank Mandiri EDC Machine.
4
This study will show whether variable effort
expectancy affects behavioural intention variables.
3. Facilitating Conditions (X3)
This variable wants to show the
availability of infrastructure in using Bank
Mandiri's EDC Engine. This variable wants to see
what relationship between facilitating conditions
variables affects behavioural intention variables.
4. Price Value (X4)
This variable wants to show the cost or
price incurred and whether it has an impact on the
use of Bank Mandiri EDC Machines. In this study,
we wanted to look at the relationship between
variables whether price value variables affect
behavioural intention variables and user satisfaction
variables. The results showed that the perception of
cost had a significant relationship to usage
intentions.
5. Information Quality (X5)
This variable wants to show the results of
the EDC Bank Mandiri Machine in the form of a
report or report, whether there is a report from the
use or historical use of EDC Bank Mandiri
Machine. In this case study wanted to show the
relationship between variables whether variable
information quality affects behavioural intention
and information quality variables affect user
satisfaction.
6. System Quality (X6)
This variable describes the quality of the
EDC Bank Mandiri Machine, regarding the
reliability of the system, the ease of the system in
responding quickly. In this case study want to see
the relationship between system quality variables
with behavioural intention variables and system
quality variables with user satisfaction variables.
7. Service Quality (X7)
This variable wants to show the quality of
service provided to merchants with Bank Mandiri's
EDC Machine. In this study, we wanted to show the
relationship between variables namely service
quality variables to behavioural intention variables
and service quality variables to user satisfaction
variables
8. Behavioural Intention (Y1)
This variable describes how many
Merchants earn and utilize the capabilities of Bank
Mandiri EDC Machine can be measured by the
level of use or number of frequencies using Bank
Mandiri EDC Machine. In this study, behavioral
intention variables were influenced by performance
expectancy, effort expectancy, facilitating
conditions, price value, information quality, system
quality, service quality, and user satisfaction.
9. User Satisfaction (Y2)
 This variable wants to show merchant
satisfaction level in using Bank Mandiri EDC
Machine. In this study want to show user
satisfaction variables influenced by price value,
information quality, system quality and service
quality variables.
10. Use Behavior (Y3)
Variabel ini menjelaskan intensitas
Merchant dalam menggunakan Mesin EDC Bank
Mandiri. Dalam penelitian ini variabel use behavior
dipengaruhi oleh variabel behavioral intention.
3.2 Hypothesis
Based on the research model described
above, several hypotheses are found as follows:
Hypothesis 1
H0: There is no positive influence between
Performance Expectancy and Behavioral Intention
H1: There is a positive influence between
Performance Expectancy and Behavioral Intention
Hypothesis 2
H0: There is no positive influence between Effort
Expectancy and Behavioral Intention
H1: There is a positive influence between Effort
Expectancy and Behavioral Intention
Hypothesis 3
H0: There is no positive influence between
Facilitating Conditions and Behavioral Intention
H1: There is a positive influence between
Facilitating Conditions and Behavioral Intention
Hypothesis 4
H0: There is no positive influence between Price
Value and Behavioral Intention
H1: There is a positive influence between Price
Value and Behavioral Intention
Hypothesis 5
H0: There is no positive influence between
Information Quality and Behavioural Intention
H1: There is a positive influence between
Information Quality and Behavioral Intention
Hypothesis 6
H0: There is no positive influence between System
Quality and Behavioral Intention
H1: There is a positive influence between System
Quality and Behavioral Intention
Hypotesis 7
5
H0: There is no positive influence between Service
Quality and Behavioral Intention
H1: There is a positive influence between Service
Quality and Behavioral Intention
Hypothesis 8
H0: There is no positive influenche between User
Satisfaction and Behavioral Intention
H1: There is a positive influence between User
Satisfaction and Behavioral Intention
Hypothesis 9
H0: There is no positive influence between
Information Quality and User Satisfaction
H1: There is a positive influence between
Information Quality and User Satisfaction .
Hypothesis 10
H0: There is no positive influence between System
Quality and User Satisfaction
H1: There is a positive influence between System
Quality and User Satisfaction
Hypothesis 11
H0: There is no positive influence between Service
Quality and User Satisfaction
H1: There is a positive influence between Service
Quality and User Satisfaction.
Hypothesis 12
H0: There is no positive influence between
Behavioral Intention and Use Behavior
H1: There is a positive influence between
Behavioral Intention and Use Behavior.
3.3 Variable Measurement
The variables in this study were measured
with several corresponding indicators. Each
indicator is based on the answer to a questionnaire
question. The instruments used in this study were
questionnaires.
Researchers measured several indicators
using the Likert scale, a likert scale that is a
measurement method to measure every opinion and
attitude of society. Researchers used 5 scores in
assessing the study.

3.4 Data Sources and Data Collection
In this study, the method of data collection
was done by distributing questionnaires to several
merchants using EDC Bank Mandiri Regional III
Jakarta I machine by giving a number of questions
to merchants to answer. Questionnaires are
distributed to merchants using google doc.
3.4.1 Data Sources and Data Collection
The population in this study is merchants
who use EDC Bank Mandiri Regional III Jakarta I.
According to transaction data detail Bank Mandiri
Region III Jakarta I the number of merchants using
EDC Bank Mandiri Regional III Jakarta I machine
amounts to 25,850 Merchants, with the following
details:
The population In determining the number
of samples, the author uses the Hair formula
approach. Hair,et.al (1995) states that the minimum
sample size is as much as 5 observations for each
estimated parameter and a maximum of 10
observations from each estimated parameter. In this
study, the number of research indicators as many as
10 indicators, so the number of samples needed is
as many as 100 respondents. Sample number =
Number of Indicators x 10 = 10 x 10 = 100 So
based on the above formula can be sampled from a
population of 100 respondents, but because to
improve accuracy / accuracy on the calculation then
researchers took a sample of 200 respondents from
2 questionnaires, namely EDC Bank Mandiri
questionnaire and EDC Bank BCA questionnaire.
So in this study the number of samples with a
minimum number of 400 respondents. The
technique used in sampling is probability sampling,
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which providesequal opportunities for each member
of the population selected to be a member of the
sample. From the above calculation results are
obtained the result of the number of samples of 400
samples so that researchers need to distribute
questionnaires to respondents amounting to 400
respondents.
3.4.2 Data Collection Methods
The method of data collection is done by
disseminating questionnaires containing several
questions to respondents / Merchants who use Bank
Mandiri EDC Machine, by disseminating through
google form. Based on the calculation of the
number of samples obtained by 400 respondents,
the researchers distributed 420 questionnaires to
respondents with an exaggeration of 5% to avoid
the invalidity of the questionnaire. The purpose of
data collection is to obtain quantitative data in the
form of numbers that refer to variables. This form
of research questionnaire uses Likert Scale with
Probabilistic Sampling technique.
3.5 Research Data Analyst Techniques
The method used by researchers in this
study is by sem method (Structural Equation
Model). SEM method(Structural Equation Mode)is
a statistical technique that can analyze the pattern
of the relationship between the variable and its
indicator, one variable and the other, as well as the
errors in the measurement directly.
There are 2 models in this method, both
models are as follows:
1. Measurement Model, describes the relationship
between latent variables and indicators of those
variable indicators.
2. Model structure, describing the relationship
between latent variables or between oxogenous
variables with latent variables (endogenous
variables).
3.5.1 Data Collection Methods
3.5.1.1 Primary Data
The research will use primary data where
research data will be collected by making
questionnaires with the help of online survey tool
Google.docs and disseminated through broadcast
Whatsapps and other social media to respondents
who have and will make drug/vitamin purchases on
halodoc website. The questionnaire used will be
tested first through pilot-survey on 10 respondents
to see if the questionnaire is understandable sample
(Wijaya, 2019).
3.5.1.2 Secondary Data
This research was conducted to obtain
secondary data by reading, collecting, recording,
studying printed books and complementary books
or references, such as journals, magazines,
brochures and other print media in libraries or
elsewhere (Wijaya, 2019).
3.6 Data Analysis
3.6.1 Descriptive Analysis
Descriptive data analysis is the analysis of
data conducted after the entire research data is
collected. The stages performed in the data analysis
are (Puspitaningtyas, 2016):
A. Group data by respondent variables and types
B. Tabulate data based on variables from all
respondents
C. Presents data from each variable studied
D. Perform calculations to answer problem
formulations
E. Perform calculations to test the hypothesis that
has been done.
3.6.2 Validity Test
Validity test is a test used to show the
extent to which a measuring instrument is used in a
measure of what is measured. The other side of the
sense of validity is the scrutiny aspect of
measurement. A valid measuring instrument can
perform its measuring function precisely, also has
high scrutiny. The meaning of scrutiny here is that
it can detect small differences in the attributes it
measures. A test can be said to have a high validity
if the test performs its measuring function, or
provides precise and accurate measuring results in
accordance with the intent of the test. A test
produces data that is not relevant to the purpose of
the measurement is said to be a test that has low
validity. Validity tests are performed by comparing
r-calculate and r-tables. The value will be declared
valid when r-count > r-table.
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3.6.3 Realibility Test
Reliability, or reliability, is the consistency
of a series of measurements or a series of
measuring instruments. This could be a
measurement of the same measuring instrument (a
test with a re-test) giving the same result, or for a
more subjective measurement, whether two
assessors provide a similar score (reliability
between assessors). In research, reliability is the
extent to which measurements of a test remain
consistent after repeated attempts on the subject and
under the same conditions. Research is considered
reliable when providing consistent results for the
same measurements. It is unreliable when repeated
measurements provide different results. The high
low reliability, empirically shown by a number
called the coefficient value of reliability. High
reliability is shown with the rxx value approaching
the number 1. The deal in general is considered
satisfactory enough if it ≥0.700. Testing the
reliability of instruments using the Alpha Cronbach
formula because the research instruments are in the
form of questionnaires and multi-tiered scales.
Reliability tests are performed by comparing r
cronbach alpha and r-tables. The value is declared
reliable if r cronbach alpha > r-table. Alpha
Cronbach formula as follows.
3.6.3.1 Smart PLS
Partial Least Square (PLS) is one of the
alternative Structural Equation Modeling (SEM)
regression analysis methods for complex variables,
abnormal data distribution and small data sample
size (Number of samples <100). PLS is used to
describe the absence of a relationship between two
or more latent variables. Bootstraping procedurals Bank Mandiri EDC Machine and EDC Bank BCA.
are used to evaluate the correlation of established
latent variables, illustrated in the path analysis of
determinant coefficient correlation values (R-
Square) and the significance of exogenous variable
contributions to endogenous. The easy-to-use
software in analyzing PLS is Smart-PLS. SmartPLS
works based on pls-algorithms that will measure the
outer model, how much the indicator relationships
with variable factors (latent), the result is expressed
in the form of standardized loading factor and
weight coeficiency. Dimensions form the format of
latent variables judging by convergent validity and
discriminant validity. (Setiaman, 2020)

4. RESULTS AND DISCUSSIONS

4.1 Data Analysis

The number of respondents in this study

was 400 respondents with respondent characters
categorized by gender, age and experience using

8
4.2 Measurement Model

4.2.1 Validity Test

A validity test is an evaluation of an outer

measurement model performed against indicators
related to latent variables. Validity tests are also in
line to test each indicator of the questionnaire and
determine the validity of the indicators used in the
study. Calculation of validity tests to determine the
correlation between variables to the indicators used.
Based on the above data, the Cross
Testing techniques are used for validity tests with
Loading results of each variable both EDC Mandiri
calculations using the SMART PLS 3.0 program.
and EDC BCA show the value of Cross Loading >
0.7. This indicates that each variable is in a valid
4.2.1.1 Cross Loading
category.
Cross Loading is another measure of the
4.2.1.2 AVE (Average Variance Extracted)
validity of discretion. The value on Cross Loading
is expected that each indicator has a higher loading
Ave tests are used to view convergent and
for the measured construct compared to the loading
divergent validity. Ave test results will reflect each
value to another construct. The result of cross
latent factor in the reflex model. Reflective model
loading analysis output in the table below has a
is considered valid if AVE value > 0.50 (Jr et al.,
value of > 0.70. This indicates that the construct
2014). From the table above it can be seen that the
indicator is valid. Measurements with reflective
ave value > 0.05. The meaning of this AVE is a
indicators indicate there is a change in an indicator
valid construct indicator and qualifies for
in a construct when another indicator on the same
convergent validity and discriminant validity. So
construct changes. Here are the calculation results
the above data shows every variable both EDC
using the smart computer program PLS 3.0:
Mandiri and EDC BCA valid with ave value > 0.05.

9
 it can be said both if the value is > 0.7, can be said
to be accepted if the value is > 0.6 and rejected if
the value is < 0.5. The test result of cronbach's
alpha value looks like below:

4.2.2.1 Composite Reliability

The Composite Reliability test as an

alternative to Cronbach's Alpha test to measure the
convergent validity of a reflective model.
Composite reliability values vary from zero to
number 1. The minimum acceptable value is 0.70.
(Jr et al., 2014).

4.2.1.3 Fornell-Larker Criterion

Fornell-Larker Criterion is a test that looks

at correlation values between variables in the
model. Fornell-larker values that have good
discriminant validity are shown with the variable
correlation value itself greater than the correlation
value between variables. (Jr et al., 2014).

Based on the data in the table above

Based on the results of the table above
shows that the correlation value of the variable
itself is greater than the correlation value between
variables. For example for variable amenity, the
correlation of variable convenience with ease of
value of 0.882 is greater than the variable
correlation of customer convenience-trust by 0.216,
Ease-of-customer satisfaction of 0.210; Ease-of-
purchase decision of 0.213; and Convenience-
Benefits of 0.269.
composite reliability value > 0.70 which means
variable used reliabel. The highest composite
reliability value in independent EDC is owned by
Use Behavior at 0.890, while in EDC BCA the
highest composite reliability value is owned by
Service Quality of 0.869.
4.2.2.2 Cronbach’s Alpha
According to Ghozali (2011), a variable
can be said to be reliable if it gives a value of
Cronbach's Alpha > 0.60.

4.2.2 Reliability Test

Reliability tests are used to measure the

consistency of respondents' answers. The measure
used to determine an indicator can be expressed
reliabelly called cronbach alpha, where the
cronbach alpha criteria are divided into three parts:

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 Based on the data in the table above,
cronbach's Alpha value is eligible which is > 0,60.
This means that the variables used reliabel mean
consistent variables to be used as measuring
instruments. The highest Cronbach's Alpha value is
indicated by Use Behavior at 0.814 in EDC
Mandiri, while Cronbach's Alpha value isshown
information quality with Cronbach's Alpha value of
0.689 on EDC BCA.

4.2.3 Evaluation of Structural Model (Inner

Model)

4.2.3.1 P – Value

P-Value is a measurement that proves that

varibel measurement is significant or insignificant
in affecting the value of Y. The accepted P-value is
< 0.05. In this study the value of Y was a
purchasing decision (Jr et al., 2014).
Bank Mandiri EDC machines. The twelfth
hypothesis has a value of 0.232, which is> 0.05,
which means that the value is not significant or the
hypothesis is rejected. This means that user
satisfaction does not have a significant effect on
behavioral intention in influencing merchants'
interest in using Bank Mandiri's EDC machines.
Based on the table data above, EDC Bank
BCA's P-Value value for the third Hypothesis, the
fifth, sixth and seventh hypotheses > 0.05 which
means the P-Value value is not significant or
rejected. As for other hypotheses worth < 0.05.
The third hypothesis is worth 0.083 which
> 0.05 weighs an insignificant value or the
hypothesis is rejected. This facilitating conditions
do not have a significant influence on behavioral
intentions in influencing the interests of merchants
using BCA Bank EDC Machines. The fifth
hypothesis is worth 0.902 which > 0.05 weighs an
insignificant value or the hypothesis is rejected.
This is because information quality does not have a
significant influence on user satisfaction in
influencing merchant interest using BANK BCA
EDC Machine. The sixth hypothesis is worth 0.285
which > 0.05 weighs insignificant value or the

11
hypothesis is rejected. This weighs performance Here is the form of the path chart output
expectancy has a significant influence on chart created using Smart PLS 3.0 software with the
behavioral intentions in influencing merchants' results as below.
interest in using BCA Bank EDC Machines. The
seventh hypothesis is worth 0.322 which > 0.05
weighs insignificant value or the hypothesis is
rejected. This is because price value does not have
a significant influence on behavioral intentions in
influencing merchant interest using BCA Bank
EDC Machine.

4.2.3.2 R – Value

The R-Square value is used to measure

how much a certain exogenous latent variable
influences on endogenous latent variables. The
value of R2 is divided into 3 criteria, i.e. 0.67
indicates strong model strength, 0.33 indicates
moderate strength, 0.19 indicates weak strength
(Setiaman, 2020).

Based on the data in the table and image

above it can be seen that Behavioral Intention is
described by the Behavioral Intention variable and
benefits by 77.6%, while the rest is explained by
other variables beyond the variables studied. For
Use Behavior is described by Use Behavior at
67.6%. The User Satisfaction variable is described
by the User Satisfaction variable of 68.2%.
Based on the data in the table and image
above it can be seen that Behavioral Intention is
described by the Behavioral Intention variable and
benefits by 79.4%, while the rest is explained by
other variables beyond the variables studied. For
Use Behavior is described by Use Behavior at
62.2%. The User Satisfaction variable is described
by the User Satisfaction variable of 74.5%.
4.3 Output Result Model in Chart and Table
Form
Based on the results of the output chart
above, we can deduce which constructs have
significant effect and which constructs will have no
effect.
5. CONCLUSION
When The researchers concluded the
results of the study as follows:
1.Performance Expectancy variables have a
significant effect on behavioral intention variables.
2.Variable Effort Expectancy has no significant
effect on Behavioral Intention variables.
3.Variable Facilitating Conditions have a
significant effect on behavioral intention variables.
4. Variable Price Value has no significant effect on
Behavioral Intention variables.
5.Information Quality variables have no significant
effect on User Satisfaction variables.

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6.System Quality variables have a significant effect
on Behavioral Intention variables.
7.Service Quality variables have no significant
effect on Behavioral Intention variables.
8.User Satisfaction variables have no significant
effect on Behavioral Intention variables.
9.Information Quality variables have a significant
effect on behavioral intention variables.
10.System Quality variables have a significant
effect on User Satisfaction variables.
11.Service Quality variables have no significant
effect on User Satisfaction variables.
12.Behavioral Intention variables have a significant
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