Influence of Perception of Ease, Security, and Features on Decision to Use Digital Wallet Gopay

Abstract

Nowadays, many platforms are emerging-based financial services fintech to support electronic money activities in Indonesia. One of the fintechs is digital payment, fintech provides online payment system services through digital wallets. The development of fintech, especially digital wallets in Indonesia, in the last 5 years has increased in shaping consumer behavior. With the existence of a digital wallet, the opportunities for consumers to make online payments are wider in providing convenience for transactions. One of the most well-known digital wallets is gopay. Many factors influence the use of the GoPay digital wallet, including perceptions of convenience, security, and features. This study aims to examine the effect of perceived convenience, security, and features on the decision to use the GoPay digital wallet. The research method used is quantitative, the population of this study is active students of the 2018-2021 Management Study Program, Faculty of Economics and Business. The sample of this study was 100 students and the sampling technique used non-probability sampling, namely purposive sampling. The data was obtained by giving questionnaires to the respondents, then the returned data was analyzed using multiple linear regression techniques. The results of this study indicate that the perceived convenience variable has a partial effect on the decision to use with a value of sig 0.001 < 0.05, while the security variable also partially affects the decision to use a gopay digital wallet with a value of sig 0.00 < 0.05 but is different from the variable a feature that has no influence on the decision to use a gopay digital wallet with a sig value of 0.114 > 0.05.

Determinants of Customer Decisions to Save at Sharia Digital Banks

“…In line with the results of Shiliha (2022), which illustrates the relationship between the relationship between security fintech variables and customer decisions in saving, the primary data obtained states that as many as 67.6% of respondents strongly agree with the influence of the relationship between religiosity variables and customer decisions in saving. Supported by the results of research by Sinta & Sukaris, (2021), it is revealed that the relationship between a person's Fintech Security variables can affect interest in saving.…”

“…The application of fintech makes it easy for the public to transact; digital banks can operate without an office but must have a head office that only operates as a monitoring team or operational supervisor of the digital bank. Strengthened by Sinta & Sukaris, (2021), digital banks must have official security standards, take part, and be able to provide improvements to the progress of financial institutions in the future. The public is urged to be careful in its use because fintech access itself is vulnerable to data security.…”

Determination Digital Economy of Strengthen Local Halal Tourism

“…Penelitian ini dutujukan untuk menganalisa elemen penentu empiris variabel dalam keputusan masyarakat menjadi wisatawan halal lokal. (Teori deduktif) 29 berargumentasi bahwasanya adanya fintech memberikan efektivitas serta kenyamanan untuk masyarakat. Teriring adanya proteksi wisatawan digital membuat sesuai dengan prinsip fintech pariwisata halal, bentuk penelitian ini menggunakan penilaian kuantitatif dengan pengumpulan data simple random sampling serta pertimbangan peluang untuk setiap populasi yang dipilih sebagai sampel menggunakan 30 rumus Lemeshow(Tidak terhitung pupolasi,96 responden).…”