STUDI PERSEPSI KONSUMEN MENGENAI MODE PEMBAYARAN DIGITAL
DOI:
https://doi.org/10.61769/jabs.v5i1.476Abstract
ABSTRACT
The development of payment systems in Indonesia is influenced by various developments in science and technology. The most recent payment system that has been used by the public is a digital payment system, one of which is commonly referred to as an e-wallet or electronic wallet that is inside an application. This study aims to see how far consumers perceive various categories of digital payment modes, because these digital payments change the way of life of some consumers. There are five formulation of problems that need to be answered in this study. The sampling technique was done through Purposive Sampling techniques with a sample of 150 respondents. The analytical tool used is Anova Test, Homogeneity Test, and Post Anova Test by distributing questionnaires to consumers of Istana Plaza Bandung who have used digital payment mode and have transacted at least once using the digital payment mode. The results of the ANOVA test show that consumer perceptions based on sex do not have different perceptions, while consumer perceptions based on age, education, employment, and income have different perceptions.
Keywords: E-wallet, consumer perception, digital payment, payment system
ABSTRAK
Perkembangan sistem pembayaran di Indonesia dipengaruhi oleh berbagai perkembangan ilmu pengetahuan dan teknologi. Sistem pembayaran yang paling terbaru dan telah digunakan oleh masyarakat adalah sistem pembayaran digital, salah satunya biasa disebut sebagai e-wallet atau dompet elektronik yang berada di dalam sebuah aplikasi. Penelitian ini bertujuan untuk melihat sudah sejauh mana persepsi konsumen dari berbagai kategori mengenai mode pembayaran digital, karena pembayaran digital ini mengubah cara gaya hidup beberapa konsumen. Terdapat lima rumusan masalah yang perlu dijawab dalam penelitian ini. Teknik pengambilan sampel dilakukan melalui teknik Purposive Sampling dengan sampel penelitian berjumlah 150 responden. Alat analisa yang digunakan adalah Uji Anova, Uji Homogenitas, dan Uji Pasca Anova dengan menyebarkan kuesioner kepada konsumen Istana Plaza Bandung yang sudah menggunakan mode pembayaran digital dan pernah bertransaksi minimal satu kali menggunakan mode pembayaran digital tersebut. Dari hasil Uji Anova menunjukkan bahwa persepsi konsumen berdasarkan jenis kelamin tidak memiliki perbedaan persepsi, sedangkan persepsi konsumen berdasarkan usia, pendidikan, pekerjaan, dan pendapatan memiliki perbedaan persepsi.
Kata Kunci: E-wallet, persepsi konsumen, pembayaran digital, sistem pembayaran
Downloads
Published
Issue
Section
License
You are free to:
- Share — copy and redistribute the material in any medium or format for any purpose, even commercially.
- Adapt — remix, transform, and build upon the material for any purpose, even commercially.
- The licensor cannot revoke these freedoms as long as you follow the license terms.
Under the following terms:
- Attribution — You must give appropriate credit, provide a link to the license, and indicate if changes were made. You may do so in any reasonable manner, but not in any way that suggests the licensor endorses you or your use.
- ShareAlike — If you remix, transform, or build upon the material, you must distribute your contributions under the same license as the original.
- No additional restrictions — You may not apply legal terms or technological measures that legally restrict others from doing anything the license permits.
Notices:
You do not have to comply with the license for elements of the material in the public domain or where your use is permitted by an applicable exception or limitation.
No warranties are given. The license may not give you all of the permissions necessary for your intended use. For example, other rights such as publicity, privacy, or moral rights may limit how you use the material.
