Effect Of Perception Of Benefits, Trust On Interest In Reuse Of Reuse Of E-Money (OVO, Dana, GO-PAY) In USU Faculty Of Economics And Business Students

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The Effect of Perception of Benefits and Trust on Interest in Reuse of E-Money (OVO, Dana, GO-PAY) in USU Faculty of Economics and Business Students

Introduction

The shift from cash to non-cash payment transactions has become an inevitable trend in the community. The increasing popularity of electronic money (e-money) such as OVO, Dana, and Go-Pay is due to its ease and practicality. However, the e-money system still has several shortcomings, including limited access to balance, the availability of low merchants, and the risk of loss of balance if the e-money card is lost. This study aims to examine the effect of perception of benefits and trust on interest in reuse e-money among students of the USU Faculty of Economics and Business.

Background

The development of e-money has revolutionized the way people make transactions. E-money platforms such as OVO, Dana, and Go-Pay have made it easier for people to make payments without the need for cash. However, despite its popularity, the e-money system still has several limitations. One of the main limitations is the limited access to balance, which can make it difficult for users to make transactions. Another limitation is the availability of low merchants, which can limit the use of e-money. Additionally, the risk of loss of balance if the e-money card is lost is a major concern for users.

Methodology

This study uses associative methods with primary and secondary qualitative data. The research population is a student of the USU Faculty of Economics and Business who uses e-money (OVO, Dana, GO-PAY) with an unknown amount. The study involved 76 respondents chosen by accidental sampling technique. Data analysis using multiple linear regression.

Results

The results showed that partially, the perception of benefits and beliefs had a positive and significant influence on the interest in reuse of e-money. That is, the higher the perception of benefits and levels of trust in e-money, the higher the interest of users to use it again.

Deeper Analysis

Perception of Benefits:

Students who feel the real benefits of the use of e-money, such as ease of transactions, payment speeds, and attractive promos, tend to have a higher interest to use it again. The perception of benefits is a crucial factor in determining the interest in reuse of e-money. Students who perceive the benefits of e-money are more likely to use it again.

Trust:

The level of student trust in security and reliability of the e-money platform is very influential on the interest in reuse. This trust is built through positive experience, platform reputation, and guaranteed security system. Trust is a critical factor in determining the interest in reuse of e-money. Students who trust the e-money platform are more likely to use it again.

Implications for E-Money Platforms

Increasing Accessibility:

E-Money platforms need to increase the accessibility of balances and merchant availability in various locations. This can be achieved by increasing the number of merchants that accept e-money and by making it easier for users to access their balances.

Strengthening Trust:

Increasing transparent system security and communication can strengthen user confidence in the e-money platform. This can be achieved by providing clear and concise information about the e-money platform and by ensuring that the platform is secure and reliable.

Offering Promos and Incentives:

Attractive promo and incentive programs can increase user interest and strengthen the perception of benefits. This can be achieved by offering discounts, rewards, and other incentives to users who use the e-money platform.

Conclusion

This study confirms that the perception of benefits and trust has a significant influence on the interest in reuse of e-money. The e-money platform needs to pay attention to these factors to increase user interest and encourage e-money adoption among students. By increasing accessibility, strengthening trust, and offering promos and incentives, e-money platforms can increase user interest and encourage e-money adoption among students.

Recommendations

Based on the findings of this study, the following recommendations are made:

  • E-Money platforms should increase the accessibility of balances and merchant availability in various locations.
  • E-Money platforms should strengthen user confidence by increasing transparent system security and communication.
  • E-Money platforms should offer attractive promo and incentive programs to increase user interest and strengthen the perception of benefits.

Limitations

This study has several limitations. One of the main limitations is the small sample size. Another limitation is the use of accidental sampling technique, which may not be representative of the population. Additionally, the study only examined the effect of perception of benefits and trust on interest in reuse of e-money and did not examine other factors that may influence user interest.

Future Research

Future research should examine other factors that may influence user interest in reuse of e-money. Additionally, future research should examine the effect of perception of benefits and trust on interest in reuse of e-money in other populations, such as adults and businesses.

References

  • [List of references cited in the study]

Appendix

  • [Appendix materials, such as raw data, questionnaires, and other supporting materials]
    Frequently Asked Questions (FAQs) about the Effect of Perception of Benefits and Trust on Interest in Reuse of E-Money (OVO, Dana, GO-PAY) in USU Faculty of Economics and Business Students

Q: What is the main objective of this study?

A: The main objective of this study is to examine the effect of perception of benefits and trust on interest in reuse of e-money among students of the USU Faculty of Economics and Business.

Q: What are the limitations of the e-money system?

A: The e-money system has several limitations, including limited access to balance, the availability of low merchants, and the risk of loss of balance if the e-money card is lost.

Q: What is the significance of perception of benefits in determining interest in reuse of e-money?

A: Perception of benefits is a crucial factor in determining the interest in reuse of e-money. Students who perceive the benefits of e-money are more likely to use it again.

Q: What is the role of trust in determining interest in reuse of e-money?

A: Trust is a critical factor in determining the interest in reuse of e-money. Students who trust the e-money platform are more likely to use it again.

Q: What are the implications of this study for e-money platforms?

A: The study suggests that e-money platforms should increase the accessibility of balances and merchant availability in various locations, strengthen user confidence by increasing transparent system security and communication, and offer attractive promo and incentive programs to increase user interest and strengthen the perception of benefits.

Q: What are the recommendations of this study for e-money platforms?

A: The study recommends that e-money platforms should:

  • Increase the accessibility of balances and merchant availability in various locations
  • Strengthen user confidence by increasing transparent system security and communication
  • Offer attractive promo and incentive programs to increase user interest and strengthen the perception of benefits

Q: What are the limitations of this study?

A: The study has several limitations, including the small sample size and the use of accidental sampling technique, which may not be representative of the population.

Q: What are the future research directions suggested by this study?

A: The study suggests that future research should examine other factors that may influence user interest in reuse of e-money and examine the effect of perception of benefits and trust on interest in reuse of e-money in other populations, such as adults and businesses.

Q: What are the practical implications of this study for e-money platforms?

A: The study has practical implications for e-money platforms, as it suggests that they should focus on increasing accessibility, strengthening trust, and offering attractive promo and incentive programs to increase user interest and strengthen the perception of benefits.

Q: What are the theoretical implications of this study?

A: The study has theoretical implications, as it contributes to the understanding of the factors that influence user interest in reuse of e-money and the role of perception of benefits and trust in determining interest in reuse of e-money.

Q: What are the policy implications of this study?

A: The study has policy implications, as it suggests that policymakers should consider the factors that influence user interest in reuse of e-money and the role of perception of benefits and trust in determining interest in reuse of e-money when developing policies related to e-money.