Determination of Factors Affecting Cashless Payment Through E-Wallet for Students in Yogyakarta
| Main Authors: | Pratama, Aditya Wahyu, Nasrulloh, Rifqi Syarif |
|---|---|
| Other Authors: | Universitas Nahdlatul Ulama Yogyakarta |
| Format: | Article info application/pdf eJournal |
| Bahasa: | eng |
| Terbitan: |
Universitas Mercu Buana
, 2024
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| Subjects: | |
| Online Access: |
https://publikasi.mercubuana.ac.id/index.php/Jurnal_Mix/article/view/20181 https://publikasi.mercubuana.ac.id/index.php/Jurnal_Mix/article/view/20181/pdf_1 https://publikasi.mercubuana.ac.id/index.php/Jurnal_Mix/article/downloadSuppFile/20181/4502 https://publikasi.mercubuana.ac.id/index.php/Jurnal_Mix/article/downloadSuppFile/20181/4504 https://publikasi.mercubuana.ac.id/index.php/Jurnal_Mix/article/downloadSuppFile/20181/4505 |
Daftar Isi:
- Objectives: This study aims to determine what factors can affect cashless payments to students in Yogyakarta. This research is important because there is a research gap from previous studies.Methodology: This study used a purposive sampling technique and the data collection technique used was distributing questionnaires to respondents by a Google Form with answers using 5-point Likert scale. A sample of 108 respondents was obtained. The collected data were analyzed using the SEM-PLS method with the help of SmartPLS 4 Software.Finding: The empirical test results showed that consumer knowledge had no effect on cashless decisions nor was it mediated by service features. Meanwhile, convenience had a significant positive effect on cashless decisions and service features were able to mediate the relationship between convenience and cashless decisions. Furthermore, service features had a significant positive effect on cashless e-Wallet decisions for students in Yogyakarta.Conclusion: Having a high level of knowledge did not increase student decisions to pay in cashless, this indicates a low level of community literacy. This finding can be interpreted that students feel that the e-Wallet cashless payment service features are easy to access, have various transaction features and services, and the many product innovations provided by e-Wallet can influence students to decide to pay cashless.