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Girsang, Abba Suganda

Check 71 Journal ASTESJ
Sentiment analysis on twitter for
predicting stock exchange
movement.pdf
by Arta Sundjaja
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Submission ID: 1102514324
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Check 71 Journal ASTESJ Sentiment analysis on twitter for
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ORIGINALITY REPORT
PRIMARY SOURCES
astesj.com
Internet Source
Holilah Holilah, Abba Suganda Girsang, Melva
Hermayanty Saragih. "Designing IT Blue Print
Academic System on Higher Education with
Togaf", Advances in Science, Technology and
Engineering Systems Journal, 2019
Publication
en.wikipedia.org
Internet Source
Submitted to North South University
Student Paper
Muhammad Taufiq Zulfikar, Suharjito.
"Detection Traffic Congestion Based on Twitter
Data using Machine Learning", Procedia
Computer Science, 2019
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Tamara, Dewi

The Impact of Airport Passenger Traffic and International Tourist Arrivals on Tourism Competitiveness Case : Indonesia’s Main International Airports

The Employee Engagement Of Millenial Employees

Maharani, Anita

Employees Perception of Human
Capital Practices
by Anita Maharani
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Employees Perception of Human Capital Practices
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Submitted to School of Business and
Management ITB
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www.shanlaxjournals.in
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journal.stieamkop.ac.id
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"Why Human Capital is Important for
Organizations", Springer Nature, 2014
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Submitted to National Research University
Higher School of Economics
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www.slideshare.net
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Submitted to Brunel University
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Submitted to Udayana University
Student Paper
Submitted to Bournemouth University
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Submitted to Maastricht School of Management
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Submitted to Federation University
Student Paper
www.gjimt.ac.in
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hrmars.com
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www.dukagjinicollege.eu
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www.econstor.eu
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1 
From Bottom to Top: Challenge on Formulating New Value Blueprint  
 
 
Maharani, Anita 
Business Management Program, Management Department, BINUS Business School Master 
Program,  
Bina Nusantara University  
Jakarta, Indonesia 11480 
E-mail address: anita.maharani@binus.edu 
 
Sutanto, Harry 
Management Department, BINUS Business School Undergraduate Program, 
Bina Nusantara University 
Jakarta, Indonesia 11480 
E-mail addres: harrysutanto2605@gmail.com  
 
Sari, Synthia Atas 
Management Department, BINUS Business School Undergraduate Program, 
Bina Nusantara University 
Jakarta, Indonesia 11480 
E-mail address: synthia@binus.edu  
 
Arudi, Dianti 
BINUS Business School Undergraduate Program, Bina Nusantara University, 
Jakarta, Indonesia, 11480 
E-mail address: diantiarudi@gmail.com  
 
 
 
 
 
 
 
 
 
 
 
 
2 
Abstract 
This paper aims to disseminate an experiential report of a program conducted for Mitsubishi 
Pet Film Indonesia (MFI) to change the organization. The company asked us to develop both 
blueprint report and visual guidance report and disseminate it through nine workshops 
conducted to Change Agent (CA). We as consultant work together with the company to 
determine Change Agent, through Focus Group Discussion within 70 employees chosen by 
the company, then selected 25 out of 70 who then become the Change Agent. We implement 
John P. Kotter, known as Kotter’s 8 Step Change Model during the process, during the 
process, both us and the company realize that although change process has been made, it 
would not place any effect until a post majeure event. By one event, when there was a fire in 
one of company’s installation, Change Agents were actually trained to implement change as it 
was hoped by the company. 
 
Keywords: change, process, workshop, program, company 
 
 
Introduction 
The urgency of change is really important these days. As any organization face turbulence in 
competition, traditional ways of doing business needs more than just a change, it also need a 
radical way of thinking from their support. Supports are from the system practice by the 
organization and also from both employers and employee, furthermore third party and 
stakeholders also have their rights to understand the necessity for change, and this would be 
considered as a supporting system. By the end of 2017, Mitsubishi Pet Film Indonesia (MFI) 
realize that they need to change their business. MFI invited us, as part of Binus Creates to 
help them on how to get the “change, and we also learn from them on how to understand that 
change is something that is unique, and it may be useful to understand how Kotter’s idea of 
Change Steps really can be implemented.  
 
On December 2017, we conduct a pitching session to MFI’s Chief of Executive Officer, our 
Project Leader (PL) delivers title “Sharpening Corporate Culture Strategy to Form MC Pet 
Film Indonesia (MF) Transnational as a True Global KAITEKI Company. PL then stated 
three goals of this project, where the first goal is MFI will win the competition in dynamic 
global circumstances. The statement of winning the competition, will be best achieved 
through change, and as mentioned in early paragraphs, MFI will gain and deliver usefulness 
and benefits to all of it stakeholders, from being competitive. First, from the leadership or 
management role, in fact by the change will create awareness and engagement resulted from 
stakeholders as part of transformation process, and not to forget employees will gain more 
engagement through change process.  
3 
At the beginning, Project Leader describe the importance of the meeting, by acknowledging 
important principles, 1) Kaiteki, 2) MFI Vision, 3) Transnational company. The three 
principles was important  
 
After the first meeting, we arrange another meeting with the management. By the second 
meeting, PL proposes MFI to develop the Guiding Team (GT) to help change process. As we 
believe that GT should promote specific characteristics, as follows: 1) they should have 
vision and perseverance, 2) they should able to build trust to the environment surrounds, 3) 
they need to counter intuitive or in other words should embrace uniqueness and strong will, 4) 
they should build and maintain the ability to accelerate employee eligibility. Second, we 
propose workshops series following Kotters Step to the management. We proposed this as we 
believe that the concept still relevant to be conducted nowadays. Workshops then will be 
followed first by 70 Change Agents (CA) candidate selected from 150 employees. The 
mechanism of selecting those 70 was done completely by the company using supervisor 
perception toward subordinates, following these characteristics: working experience (in 
years), working time, perceptions on four aspects (integrity, hard worker, communication 
skills, and open mindedness). Through this selection method, results in five Japanese 
employees, and 65 Indonesian employees, where the CA themselves were divided equally 
from management and non-management candidates.  
 
From 70 employees that were nominated as CA, then we as partner conduct another event to 
select representatives, we use a Focus Group Discussion in one day, parallel session between 
two big groups consists of 35 employees. In each group, there was two facilitators that will 
manage a whole day session and sharing their responsibility with one observer from Binus 
Creates. FGD was actually conducted within four sessions, to gain these objectives: 1) to 
evaluate CA candidates short term and long term orientation, 2) to evaluate the ability of CA 
to work within groups, 3) to evaluate CA knowledge of culture as this would work closely 
with change process and will be used for visual guidance overview that will be done 
separately after finish with 8 Steps workshops, 4) to evaluate CA candidates on their 
understanding toward themselves to stakeholders. 
 
Methods 
Methods that has been conducted use multi approach, 1) survey, conducted two times, where 
first was to find CA candidates using several aspects conducted by internal management, the 
second to get an insight to CA candidates on their readiness for change perceptions and 
conducted by Binus Creates during FGD, 2) FGD, conducted after finish with first survey 
process to all of CA candidate, 3) Activity based workshops, was when CA selected and must 
follow a workshops series to develop their individual project of change, although in process 
4 
they work in a team. We analyze these three methods through log diary, and minutes of 
meeting to see whether any possible unique event happening, and after the notes taking were 
done, we transfer it into two different reports, first is blueprint guidelines, second in visual 
guidelines. 
 
Results and Discussion 
 
Survey, that first conducted through by the company, resulted that CA was selected because 
supervisors believe in four aspects: integrity, hardworker, communication skills, and open 
mindedness, questions related with aspects, are as follows: 
1. Integrity  
“Imagine integrity of your candidate among your team members, how her/his level 
is?” 
Responds range: low, average, high 
2. Hardworker 
“Imagine your candidate among your team member, does she/he a hardworker 
person?” 
Responds range: under, average, above 
3. Communication Skills 
“Imagine communications skills of your candidate among your team members, how 
her/his level is?” 
Responds range: low, average, good 
4. Open mindedness 
“Imagine how open mindedness your candidates among your team members?” 
Responds range: low, average, yes 
 
This method of survey was developed out of concepts known previously, and this probably 
would lead to respondent misinterpretation of understanding each aspect questioned. Where 
ideally, each aspect can be measured through a well-developed instrument, as follows: 1) 
integrity can be measured using Perceived Leader Integrity Scale (Craig, Gustafson, 1998), 
that believed may also be used when an organization would investigate role of leaders from 
the so called effectiveness of their ethical conduct and this survey may be done through 
subordinates. 2) Hardworker as adapted from hardwork as a condition where a person has 
two combinations at a time, that are time and intensity (Bowles, et al , 1984; Brown and 
Leigh, 1996; Douglas, 1989; Douglas and Shepherd, 2000, Douglas and Morris, 2006). 3) 
Communication Skills, as it has many dimensions and people methods on exchanging ideas 
and other things (Johnston, Fidelia, Robinson, Killion, Behrens, 2012) may be measured 
adapting Interpersonal Communication Skills Inventory or ICI (source: 
5 
https://wicworks.fns.usda.gov, 2018)  that is well known as self-assessment and will be 
suitable for every situations. 4) Open mindedness, as described as ability of someone to speak 
up their mind toward others and giving tolerance of others thought, can be measured using 
California Critical Thinking Disposition Inventory (CCTDI) (source: insightassessment.com, 
2018). Therefore, since the organization conduct survey using their own scale of interpreting 
each aspect, we as partner should accommodate and develop a unique way to determine CA 
as it will be expected to do some actions within the organization.  
 
Here are table, concerning activities done during Workshop 1 to Workshop 9, as it adapts 
Kotters’ 8 Steps Model + 1. We state +1 to acknowledge that when it reaches the last 
workshop, it was actually beyond Kotters concept and it was an additional need to 
communicate change to parties. Within each activity, partners act as facilitator and participant 
will actively involve within the activities. Each workshop will be recorded using observations 
report from partner, and consolidations between partners and MFI’s person in charge before 
conducting next workshops.  
 
Workshop 
No. 
Activities Expected Outcome 
One GT Role Development CA able to understand and implement 
what is their position and why they 
selected as CA, and what are things 
that expected from them 
Two Understanding Behavior and Key 
Performance Indicator  
CA able to understand what are 
behaviors that needed to become a 
CA, and how will it affect or 
contribute to their KPI’s 
Three Plan for Change Behavior  CA able to bring insight and ideas of 
ways of changing people behavior 
Four Challenge and Evaluation with 
Facilitator and Direct Supervisors 
CA able to understand what current 
situation within their organization is 
and how will they actually have a role 
in 
6 
Five Understanding Visual 
Communication  
CA able to understand how to send 
message using visual communication 
Six Defining Key Behavior  CA able to lists down what key 
behavior should be embraced within 
employees and promote by CA 
Seven Firm the Value and Learn the Visual CA able to summarize, what may be 
the value that they have decided on 
and how to implement it through 
visuals aid 
Eight Action Plan Detail, Firm the Tagline 
and Gain Blueprint Data 
CA able to details action plan in order 
to communicate change to their 
specific areas  
Nine Visual Communication and 
Preparation of Culture Day 
CA able to implement visual 
communication to equip change plan 
and relates it with culture day that 
will be conducted as their 
inauguration day.  
Table 1. Workshops Activity and Expected Outcome 
 
During partners involved in the activities, MFI itself has conducted KAITEKI, with some 
additional Indonesian culture and the management hopes that future vision also will exist.  
Some notes were taken during partners involved with the change process, are as follow. 
Although it was stated from the beginning that initiatives of change were decided by the 
management to be implemented within employees assigned as CA, some obstacles appear 
during the process. First, there were resistances and doubt within CA about their role and how 
will it affect their expectancy on receiving benefits like incentives, career advancement. 
Second, whenever be situated within workshops, participants are more likely to be fixated on 
their anxiety and fear on peer pressures. Third, CEO was curious to see the change process 
within CA, however presence of CEO in the middle of workshops burden eagerness CA to 
involve and speak up. Fourth, when it comes to visual communications, both partners and 
management decided to meet before letting CA develop their own versions, technically this 
would not be easy since visual communications is not a daylight process.  
 
However, although some obstacles were actually acceptable, there are things that need sto be 
7 
highlighted during workshops activity. First, CA’s were actually exploring their own words of 
“change” and translated into their own key behavior’s. As partner, we use Kotter’s Change 
Model to help the organization to understand ideal way to achieve change as intended to. And, 
the fact that before Workshop 7 were held, or by July 11th 2018 force majeure happened, 
where there was a fire in main plant, the urgency of change somehow was taken to surface, 
and promoted by the management, as they realize that the whole system was down temporary 
for six months ahead (and it still going on when this paper was written). Before this happened, 
MFI was known as a stable company, eventually after the fire solved, everyone was stunned 
and speechless, this as reported by one CA. But CA then realize their part, to mitigate trauma 
caused by fire together with the management, this can be considered as change program’s 
maneuver. After all, key behaviors and any aspects resulted from Workshop one until six will 
be implemented without the wait to the whole employees of MFI.  
 
Conclusion 
This paper is aiming to describe the process of change adapting Kotter’s 8 Steps Model. In 
fact, it was not as easy as written in the concept. Things that have not yet been notified in the 
concept was whether the model fits any organizations, especially when Top Management 
interfere process of change. However, this paper shows that CA can be managing to define 
their own change key behaviors, in other to formulate a new value blueprint.  
 
 
Acknowledgments and Legal Responsibility 
This paper acknowledges Binus Creates and MFI to support from the beginning until this 
paper was written. The advice and information in the conference are believed to be true and 
accurate on the date of its going to press, neither the authors, the editors, nor the publisher 
can accept any legal responsibility for any errors or omissions that may be made. The 
conference makes no warranty, express or implied, with respect to the material contained 
herein 
 
5. References 
 
Bowles, S., Gordon, D. M. and Weisskopf, T. E. 1984, Beyond the Wasteland: A Democratic 
Alternative to Economic Decline., Verso, London 
 
Brown, S. P. and Leigh, T. W. 1996, 'A New Look at Psychological Climate and Its 
Relationships to Job Involvement, Effort, and Performance.' Journal of Applied 
Psychology, Vol. 81, no. 4, pp. 358-368. 
 
8 
Craig, Bart; Gustafson, Sigrid B. 1998. Perceived Leader Integrity Scale: An Instrument for 
Assesing Employee Perceptions of Leader Integrity. The Leadership Quaterly. 9(2): 
127-145. DOI: 10.1016/S1048-9843(98) 90001-7 
 
Douglas, E. J. 1989, 'The Simple Analytics of the Principal-Agent Incentive Contract', Journal 
of Economic Education, Vol. Winter, no. pp. 39-51.  
 
Douglas, E. J. and Shepherd, D. A. 2000, 'Entrepreneurship as a Utility Maximizing Response', 
Journal of Business Venturing, Vol. 15, no. pp. 231-251. 
 
Douglas, Evan J.; Morris, Robyn J. 2006. Workaholic, or Just Hard Worker?. Career 
Development International. 11(5): 394-417. 
 
Johnston, James; Fidelie, Laura; Robinson Kim W.; Killion, Jeffrey B.; Behrens, Phyllis. 
2012. An Instrument for Assessing Communication Skillis of Healthcare and Human 
Services Students. The Internet Journal of Allied Health Sciences and Practice. 
http://nsuworks.nova.edu/cgi/viewcontent.cgi?article=1416&context=ijahsp 
 
www.insightassesment.com 
https://wicworks.fns.usda.gov 
 


From Bottom to Top: Challenge on Formulating New Value Blueprint

Furinto, Asnan

Hospital Efficiency in Indonesia
by Asnan Furinto
Submission date: 11-Oct-2019 07:38AM (UTC+0700)
Submission ID: 1190426148
File name: Hospital Efficiency in Indonesia_2019.pdf (385K)
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Hospital Efficiency in Indonesia
ORIGINALITY REPORT
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www.emeraldinsight.com
Internet Source
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Pakistan
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online-journals.org
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Surabaya
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uknowledge.uky.edu
Internet Source
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Similarity "Hospital Efficiency in Indonesia with Frontier Analysis"

Fernando, Erick

SURYANTO, SURYANTO

SURJANDY, SURJANDY

Meyliana, Meyliana

English

Analysis of the Influence of Consumer Behavior Using FinTech Services with SEM and TOPSIS

Santoso, Theresia Meidiana

Wardhana, Anindya Khansalihara

Widjaja, Willy

Anindra, Firman

Security Concern of Financial Technology for Online 
Transportation Passenger in Indonesia 
Surjandy 
Information Systems Audit Program 
Information Systems Department 
School of Information Systems 
Bina Nusantara University 
Jakarta, Indonesia, 11480 
Surjandy@binus.ac.id 
Erick Fernando 
Information Systems Department 
School of Information Systems 
Bina Nusantara University 
Jakarta, Indonesia, 11480 
Erick.Fernando001@binus.ac.id 
Meyliana 
Information Systems Department 
School of Information Systems 
Bina Nusantara University 
Jakarta, Indonesia, 11480 
Meyliana@binus.edu 
 
Theresia Meidiana Santoso 
Information Systems 
Department 
School of Information Systems 
Bina Nusantara University 
Jakarta, Indonesia, 11480 
Theresia.Santoso@binus.ac.id 
Anindya Khansalihara 
Wardhana 
Information Systems 
Departement 
School of Information Systems 
Bina Nusantara University 
Jakarta, Indonesia, 11480 
anindya.wardhana@binus.ac.id 
Willy Widjaja 
Information Systems Audit 
Program 
Information Systems 
Department 
School of Information Systems 
Bina Nusantara University 
Jakarta, Indonesia, 11480 
Willy.widjaja01@gmail.com 
Firman Anindra 
Departement of Informatics 
and Communication 
Universitas Nasional 
Jakarta, Indonesia, 12520 
firmananindra@civitas.unas.
ac.id 
 
Abstract—The use of online transportation in Indonesia is 
growing, people feel a lot of positive benefits felt, together with 
the development of online transportation, the development of 
financial technology as a means of payment for online 
transportation makes passengers easier to transact.  However, 
the development of financial technology (FinTech) is still in the 
development stage or not yet stable where there are still problems 
with transactions using financial technology such as TopUp 
balances, failure to pay.  Therefore, this study aims to find out 
how security concerns passengers of usage financial technology 
for online transportation transaction?  The research using 
quantitative method by using SPSS with correlation bi-variate 
function to see the relationship of passenger security concerns 
factor.  The research found several significant correlations 
factors from 202 respondents.  The factors found are very 
important for development of FinTech in the future. 
Keywords—Online Transportation passenger; Passenger 
Financial Technology; Security Concern Financial Technology 
I.  INTRODUCTION 
The development of online transportation in Indonesia 
rapidly growing [1].  Based on early research that was 
conducted by ecommerceIQ Southeast Asian market research 
that payment option (5% respondent) as one of the important 
aspect for the online transportation passenger [1][2] 
Financial Technology or commonly known as FinTech 
used by the passenger to pay the fare for online transportation 
contemporary.  However, the development of FinTech on in 
the mature stage, there were several problem in doing 
transaction by using the FinTech as reported at CNN Indonesia 
payment problem using FinTech [3] the other problem facing 
by the passenger such as problem in top up balance of 
FinTech[4] 
Early research found that the FinTech application has 
inherent risk where the risk cannot be avoided by the customer 
such as application problem, communication problem[5].  The 
other research of FinTech also stated that security and privacy 
as one of the issues of FinTech system[6]  
The passenger of online transportation comes from various 
level in Indonesia from high school, university student, 
professional employee, house wife, and entrepreneur.  For 
university student no doubt that the usage of smartphone by 
university student is common recently for educational and 
social activities[7][8]. However, the security concern of the 
passenger of online transportation still in question mark. 
Therefore, the research aims to find out on how the security 
concern of passenger that use FinTech to perform the 
transaction of online transportation.  The quantitative method 
research performed, and SPSS used as tool to validate and 
process the data.  The 202 respondents answer the questioner 
by using snow ball random sampling method.  The research 
found there are 8 bi-variate Pearson correlation between 2 
factors. 
II. LITERATUR REVIEW 
A. Online Transportation 
The online transportation is one of the famous economic 
sharing in Indonesia, online transportation is one of m-
2019 International Conference on Information and Communications Technology (ICOIACT)
978-1-7281-1655-6/19/$31.00 ©2019 IEEE 70
commerce where customer only using their smartphone to 
perform the transaction for ride, delivery things, buy food, end 
so on[5]  
B. Financial Technology (FinTech) 
Financial Technology that commonly known as FinTech is an 
industry that focus on financial aspect and the product or 
service commonly using technology to make more efficient 
the transaction[5][9].  The usage of FinTech makes customer 
more easy, comfortable[10] 
C. SPSS correlation Bi-variate 
SPSS is abbreviation from statistic packet for social science 
own by IBM. SPSS as tools that used to validate the questioner 
(validity and reliability test), and process the relationship 
between 2 factors (correlation bi-variate)  
III. DATA CHARACTERISTIC 
The data characteristic shows on table 1 is based on 202 
respondent that use online transportation. The data collection 
using google form and using snow ball random sampling 
method.  
TABLE I.  DATA CHARACTERISTIC 
No 
Respondent 
Description #n % 
1 
Gender (D1) 
Male 74 36.63% 
Female 128 63.37% 
2 
Education Background (D2) 
Senior High 94 46.50% 
Under Graduated (S1) 101 50.00% 
Graduate (S2) 6 3.00% 
Doctoral (S3) 0 0.00% 
Others 1 0.50% 
3 
Age (D3) 
<17 years 3 1.49% 
17 – 24 years 150 74.26% 
25 – 34 years 40 19.80% 
35 – 44 years 8 3.96% 
45 – 54 years 1 0.50% 
   
4 
Frequently used (FU) 
Very Rarely 17 8.42% 
Rarely 11 5.45% 
A little rare 24 11.88% 
A little often 56 27.72% 
No 
Respondent 
Description #n % 
Often 40 19.80% 
Very Often 54 26.73% 
    
      N=202 
The respondent will answer 13 questionnaires that use 6 
scale of Likert-scale from very disagree for value 1 and very 
agree for value 6, the 6 scales used to minimize the ambiguity 
of the answer because no middle score.   
A. Data Validation   
Before analyzing the data, as the first process is validation 
of questioners, the validation using SPSS tool, by comparing 
the value of corrected item-total correlation with Pearson r-
table.  The r-table value for 202 respondent alpha 5% is 0.1161 
for detail validation can be seen at table II.  
TABLE II.  DATA VALIDATION  
No 
Validation 
Description 
Corrected 
Item-Total 
Correlation 
Status 
(r = 0.1161 
0.05) 
1 Gender (D1) 0.060 Invalid 
2 Educational background (D2) 0.035 Invalid 
3 Age (D3) 0.215 Valid 
4 Frequently Use (FU) 0.264 Valid 
5 I know backup function really 
helps me if the application has 
problem (P1) 
0.474 Valid 
6 I use an updated anti-virus to 
protect my mobile device and 
applications (P2) 
0.323 Valid 
7 I feel comfortable and safe using 
FinTech to transact (P3) 0.528 Valid 
8 I feel that the security factor in 
making transactions is important 
(P4)  
0.563 Valid 
9 I use my personal contact number 
when registering in a FinTech 
account (P5) 
0.456 Valid 
10 I always double-check transactions 
on the applications after 
transacting with FinTech (P6) 
0.486 Valid 
11 I always keep my FinTech 
applications Personal 
Identification Number (PIN) (P7) 
0.487 Valid 
12 The security of FinTech 
application in transactions is not in 
doubt (P8) 
0.552 Valid 
    
    n = 202 (dF = 200) 
B. Data Reliability Test 
After data validity test then data need to test for reliability 
of data. The SPSS tool requirement to check the reliability of 
data.  The value of Cronbach’s Alpha as the indicator of 
reliability score, the common value used for the Cronbach’s 
Alpha is above 0.60[11]. The detail of the reliability test can be 
seen at table III.  The reliability test show that all factors of the 
reliability test above 0.60 (>0.60).  It is mean the data is 
reliable. 
2019 International Conference on Information and Communications Technology (ICOIACT)
71
 TABLE III.  DATA RELIABILITY TEST RESULT  
No 
Reliability Test 
Description 
Cronbach's 
Alpha if 
Item 
Deleted 
Status 
 
1 Gender (D1) 0.730 Reliable   
2 Educational background (D2) 0.732 Reliable 
3 Age (D3) 0.722 Reliable 
4 Frequently Use (FU) 0.725 Reliable 
5 I know backup function really 
helps me if the application has 
problem (P1) 
0.689 
Reliable 
6 I use an updated anti-virus to 
protect my mobile device and 
applications (P2) 
0.714 
Reliable 
7 I feel comfortable and safe using 
FinTech to transact (P3) 0.691 
Reliable 
8 I feel that the security factor in 
making transactions is important 
(P4)  
0.684 
Reliable 
9 I use my personal contact number 
when registering in a FinTech 
account (P5) 
0.696 
Reliable 
10 I always double-check transactions 
on the applications after 
transacting with FinTech (P6) 
0.690 
Reliable 
11 I always keep my FinTech 
applications Personal 
Identification Number (PIN) (P7) 
0.688 
Reliable 
12 The security of FinTech 
application in transactions is not in 
doubt (P8) 
0.679 
Reliable 
    
     N = 202   
C. Correlation Bi-variate factors 
SPPS tools also used to show the relationship of 2 factors 
by using Correlation Bi-variate function.  Table IV show that 
there are 8 important correlations security concern factors 
found as novelty for this research. 
TABLE IV.  SIGNIFICANT CORRELATION RESULT 
 FU D1 D2 D3 D4 
FU -- 0.215** 0.002 NA NA NA 
P1 0.150* 0.033 NA NA NA NA 
P2 NA NA NA NA NA 
P3 0.451** 0.000 NA NA NA NA 
P4 0.165* 0.019 NA NA 
0.149* 
0.034 NA 
P5 0.237** 0.001 NA 
-0.171* 
0.015 NA NA 
P6 NA NA NA NA NA 
P7 NA NA NA NA NA 
P8 0.144* 0.040 NA NA NA NA 
      
* significant level 0.05 
** significant level 0.01  
NA – Not Significant value 
 
The first correlation found between the passenger who 
frequently used (FU) online transportation have significant 
correlation with gender factor, from the table IV can be seen 
that the value of Pearson correlation shown 0.215 with alpha 
0.01 and the significant indicator show 0.002 (< 0.05).  It is 
mean the female passenger most frequently used the online 
transportation system, compare then male.  
 The second correlation factor found is the passenger 
aware with backup function(P1) has correlation with 
frequently used factor (FU), the value of Pearson correlation 
shown 0.150 with alpha 5% and significant indicator value is 
0.033(<0.05).  It is mean the most frequent passenger of online 
transportation concern about backup function of the system. 
The third correlation factor found is the passenger feel 
comfortable and safe using FinTech to pay the fare(P3) with 
the frequently used online transportation (FU).  The value of 
Pearson correlation shown 0.451 with alpha 1% and 
significant indicator value is 0.000 (<0.05).  It is mean the 
most frequent passenger more feels safe using FinTech to pay 
the transaction. 
The fourth correlation factor found is the passenger feel 
that the security factor while performing transaction is 
important (P4) with the frequently used online transportation 
(FU).  The value of Pearson correlation shown 0.165 with 
alpha 5% and significant indicator value is 0.019 (<0.05).  It is 
mean the most frequent passenger feels the security is the 
important factor while performing the transaction. 
The fifth correlation factor found is the passenger feel that 
the security factor while performing transaction is important 
(P4) with passenger age (D3).  The value of Pearson 
correlation shown 0.149 with alpha 5% and significant 
indicator value is 0.034 (<0.05).   It is mean the older age of 
passenger has more concern about important of security while 
performing transaction.  
The sixth correlation factor found is the passenger of 
online transportation use own personal contact number when 
registering in a FinTech account(P5) with the frequently used 
online transportation (FU).  The value of Pearson correlation 
shown 0.237 with alpha 1% and significant indicator value is 
0.001 (<0.05).  It is mean the most frequent passenger will use 
the real contact identity to register in FinTech application. 
The seventh correlation factor found is the passenger of 
online transportation use own personal contact number when 
registering in a FinTech account(P5) with educational 
background(D2).  The value of significant indicator value is -
0.171 (minus sign) alpha 5% and significant indicator value is 
0,015 (<0.05).  It is mean the younger age passenger of online 
transportation tent to not use the real contact number to 
register the FinTech applications. 
The eighth correlation factor found is the passenger of 
online transportation have no doubt with the security system 
of FinTech application while performing transaction (P8) with 
the frequently used online transportation (FU).  The value of 
significant indicator value is 0.144 alpha 5% and significant 
indicator value is 0.040(<0.05).  The most frequent passenger 
of online transportation tends to believe the security of 
FinTech application. 
2019 International Conference on Information and Communications Technology (ICOIACT)
72
IV. DISCUSSION 
The similar research result found for the first correlation 
that the mostly customer of online transportation is 
female[12][13] even though the difference method used for the 
research. 
The third correlation result show similar result with early 
research that mostly passenger of online transportation used 
FinTech technology and feel safe to perform the 
transaction[14]  
The forth correlation result show that the most frequent 
passenger of online transportation and mostly use FinTech to 
perform the transaction concern about the important of security 
factor. 
V. CONCLUSION 
The several conclusions of our research can be described as  
• The security as the important factor while performing 
the transaction using FinTech in online transportation. 
• Mostly the frequent passenger online transportation 
feels safe to perform the transaction by using FinTech 
• Mostly the frequent passenger of online transportation 
is female. 
• The older passenger online transportation has more 
concern about the security while performing the 
transaction. 
This research can be used for future research why the 
passenger convenience of the using the FinTech for the 
online transportation even though the problem still 
occurred, is it due to the total problem insignificant? Or 
other influence factor.  
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Security concern of financial technology for online transportation passenger in Indonesia

Reviewer "Social Network for the Choice of Tourist Destination: Attitude and Behavioral Intention"

Wiastuti, Rachel Dyah

Diktat "Introduction to Tourism"

Binus University

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