Factors of Using Non-Cash Payments to the Consumption Level of Students in Pematangsiantar City

Welly, Yerisma; Supitriyani, Supitriyani; Yusnaini, Yusnaini; Sudirman, Acai

doi:10.26905/jbm.v7i1.4041

Cited by 9 publications

(11 citation statements)

References 9 publications

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“…The idea of easy-to-use is also said by Alsamydai et al (2014), in which it is described as the behavior to use technology-based financial transactions to avoid issues occurring caused by technology. The findings of a previous study conducted by Welly et al (2020) emphasized the positive relationship between perceived user-friendliness and intention to utilize mobile banking in Thailand. The same results were reported by Bagla and Sancheti's (2018) research analyzing the gap satisfaction in electronic wallets in India, stating that Perceived Ease of Use had a positive and significant effect on behavior to utilize Fintech.…”

Section: Utaut Modelmentioning

confidence: 85%

“…This can be proved from the aspect of increasing the consumption of banking services, which is increasing every year following innovations in the financial sector. This assumption is then embedded in non-cash transactions to prove that consumption is one of the factors in strengthening the class advantage of society and maintaining group relations (Welly et al 2020). The implication of the rapid development of information technology on mobile devices has had an impact on increasing Fintech users with easy payments in the form of digital wallets.…”

Section: Introductionmentioning

confidence: 99%

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Constituents Driving Interest in Using E-Wallets in Generation Z

Halim

Efendi

Butarbutar

et al. 2020

Proceeding on International Conference of Science Management Art Research Technology

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Nowadays, the use of information technology is increasingly prevalent so that it has a direct impact on lifestyle changes of people who want everything in fast and instantaneous ways, in which one of them occurs in the financial sector. Following the people's needs, various electronic payment instruments called E-Wallets have emerged. In the phenomenon of the use of this new technology, there are undoubtedly many factors that are indicated to influence it. The objective of this study is to find out the behavior of Generation Z in using E-Wallet by applying the UTAUT (Unified Theory of Acceptance and Use of Technology) theory model. This study used quantitative data in the form of an exploratory survey using an online questionnaire. Using the PLS-SEM method and non-probability sampling research techniques with a purposive sampling method, it obtained a sample of the study of 146 respondents. The results showed that the Perceived Ease of Use, Facility Condition, and Social Influence had a significant effect on the behavior of using E-Wallet. Meanwhile, Perceived Usefulness had no effect on interest in using E-Wallet.

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Section: Utaut Modelmentioning

confidence: 85%

Section: Introductionmentioning

confidence: 99%

Constituents Driving Interest in Using E-Wallets in Generation Z

Halim

Efendi

Butarbutar

et al. 2020

Proceeding on International Conference of Science Management Art Research Technology

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“…However, if the two parties involved in the transaction are not in the same circle, a clearing institution, namely Bank Indonesia (BI), is needed to accommodate the transaction [30]. Implementing cash transactions can be done through several online payment systems, such as transfers made via Real Time Gross Settlement (RTGS), APMK, e-money, and other electronic channels [32].…”

Section: Non-cash Transactionsmentioning

confidence: 99%

Implementation of the Non-Cash Payment System Policy A Civil Servant in The Pandemic Era at Manado State University

Sekeh

Pangkey²,

Kairupan³

2022

TSSJ

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A cash transaction system for paying the salaries of lecturers and employees can also cause several problems. In distributing money, the treasurer still must spend money in the bank and disburse funds to lecturers and employees. Withdrawing such large amounts of funds can pose a risk of robbery or theft on the way to the office. The length of the distribution process will cause a buildup of money in the safe that has not been channeled to the recipient. The destination study is to describe how the implementation of the non-Cash transaction system for payment of salaries of lecturers and employees at the Manado State University. This article also explains the obstacles faced in implementing the non-Cash transaction system for the number of honorariums for Lecturers and Employees at Manado State University. The research method used in this research is a qualitative research method with a descriptive approach. Qualitative research in this study collects data and information about phenomena and conditions closely related to the problem to be studied. The data collection process is obtained through interviews, documentation, and observations. The data analysis technique in this research is using data triangulation. The analysis consists of three activities: data reduction, data presentation, and drawing conclusions or verification. Discussion results show that the implementation of non-cash transactions for payment of honoraria at Manado State University still needs to be carefully prepared again. Implementing non-cash transactions for payment of honorarium for lecturers and employees at Manado State University, there is a mechanism in its implementation.

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“…Innovations in financial technology have helped business organizations design more exclusive financial transaction models oriented toward meeting consumer and customer needs (Sudirman, Halim, et al, 2021). The implication of the rapid development of information technology on mobile devices has an impact on increasing Fintech users with easy payments in the form of digital wallets (Welly et al, 2020). With the current state of the Covid-19 pandemic, the level of wallet usage has increased significantly from the year before the Covid-19 pandemic.…”

Section: Introductionmentioning

confidence: 99%

Analysis of the Effect of Perceived Ease of Use, Perceived Usefulness, Trust, and Cashback Promotion on Intention to Use E-wallet

Putri¹,

Sinaga²,

Sudirman³

et al. 2022

IJEBMR

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One way to make digital payments today is using a virtual wallet, an e-wallet. The e-wallet that will be used will be filled in before being used by consumers, which can be done from a banking account with the nominal amount of money desired by the consumer. When the virtual wallet has been used to make digital payments, the money that the consumer has entered into the virtual wallet will be debited according to the amount of money transferred. This study aims to analyze the effect of perceived ease of use, perceived usefulness, trust, and cashback promotion on the intention to use e-wallets in Indonesia. This study's research method includes library and field research design with a quantitative approach. The research subjects taken in this study were ewallet users in Indonesia. Data collection techniques using observation, interviews, questionnaires, and documentation. The data analysis method used is Partial Least Square (PLS). The study stated positive and significant results between perceived ease of use, perceived usefulness, trust, and cashback promotion on intention to use.

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Factors of Using Non-Cash Payments to the Consumption Level of Students in Pematangsiantar City

Cited by 9 publications

References 9 publications

Constituents Driving Interest in Using E-Wallets in Generation Z

Constituents Driving Interest in Using E-Wallets in Generation Z

Implementation of the Non-Cash Payment System Policy A Civil Servant in The Pandemic Era at Manado State University

Analysis of the Effect of Perceived Ease of Use, Perceived Usefulness, Trust, and Cashback Promotion on Intention to Use E-wallet

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