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.