Digitalization of Payments in Urban Society Indonesia

Authors

  • Nyimas Dewi Murnila Saputri Faculty of Economics, Universitas Sriwijaya, Palembang, Indonesia
  • Fida Muthia Fida Muthia Faculty of Economics, Universitas Sriwijaya, Palembang, Indonesia
  • Melisa Ariani Putri Faculty of Economics, Universitas Sriwijaya, Palembang, Indonesia

DOI:

https://doi.org/10.18196/jbti.v16i2.27558

Keywords:

Attitude, Behavior Intention, Digitalization, Perceived Ease of Use, Perceived Usefulness

Abstract

The purpose of this study was to determine the effect of Perceived Usefulness and Perceived Ease of Use on the behavior intention to use digital payments through attitudes. The urgency of this study is regarding the acceptance of digital payments in urban communities in Indonesia, where digital phenomena have transformed and are a sign of acceleration into a digital society. This study uses the Technology Acceptance Model (TAM) development model, which provides valuable knowledge for technology designers and policymakers in understanding the factors that influence the acceptance of digital payment services. This study uses primary data in the form of a questionnaire of 200 urban communities in Indonesia who use digital payments in transactions using non-probability sampling techniques. This study uses the Path analysis method with SPSS. The results of the study show that Perceived Usefulness (X1) does not have a significant effect on Attitude (Y). However, Perceived Usefulness (X1) is known to be able to influence Behavior Intention (Z) directly. Attitude (Y) significantly affects Behavior Intention (Z). Perceived Ease of Use (X2) has a significant effect on Attitude (Y) but cannot directly influence Behavior Intention (Z), which means that digital payments must be easy to use to encourage attitudes toward the use of digital payments and ultimately increase the intention to use.

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Published

2025-08-31

Issue

Vol. 16 No. 2 (2025): August 2025

Section

Article

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