The Effect of Benefits, Convenience, Risk, Income on Purchase Decisions Using Shopee Paylater
DOI:
https://doi.org/10.31933/dijms.v4i4.1658Keywords:
Benefits, Convenience, Risk, Income, Purchase DecisionAbstract
A new digital payment system was developed as a result of the rapid development of technology and the internet in Indonesia. Financial technology (fintech) is one of the technological advances in the increasingly widespread Indonesian financial sector. The research was conducted with the aim of analyzing the relationship between perceived benefits, perceived convenience, risk, and income on purchasing decisions using a shopee paylater. The research model uses a causal research design. The population in this study are all customers who use the Shopee Paylater application in DKI Jakarta whose exact location is unknown. The technique used in selecting the sample is purposive sampling. By determining the criteria data, characteristics, and appropriate characteristics. The minimum number of samples in this study is 135 respondents. Researchers used IBM SPSS Statistics 26 software to analyze descriptive characteristics and SmartPLS 3.3 software to measure research data using the Partial Least Square (PLS) method. The results show that benefits and convenience have a positive and significant effect on purchasing decisions. However, risk and income have a positive but not significant effect on purchasing decisions
References
Abraham, K. (2011). A Study On Consumer Behaviour (With Reference to V.B Factors). Tional Journal of Enterprise Computing and Business Systems, 1(2), 1–19.
Aksami, N. M. D., & Jember, I. M. (2019). Analisis Minat Penggunaan Layanan E-Money pada Masyarakat Kota Denpasar. E-Jurnal EP Unud, 8(9), 2439–2470.
al Mamun, A., Mohamad, M. R., Yaacob, M. R., & Mohiuddin, M. (2018). Intention and behavior towards green consumption among low-income households. Journal of Environmental Management, 227, 73–86.
Anggono, B. N. T., Istiatin, & Hadi, S. (2020). Persepsi Kemudahan, Resiko Dan Kepercayaan Terhadap Keputusan Penggunaan Gopay (Studi kasus pada Mahasiswa UNIBA Surakarta). Fokus Ekonomi, 15(1), 152.
Arjunwadkar, P. Y. (2018). inTech : The Technology Driving Disruption in the Financial Services Industry. CRC Press.
Ashraf, A. R., & Thongpapanl, N. (2016). The Connection and Disconnection between E-commerce Businesses and Their Customers: Exploring the Role of Engagement, Perceived Usefulness, and Perceived Ease-of-use. Electronic Commerce Research and Applications.
Assaker, G. (2019). Age And Gender Differences In Online Travel Reviews And User-Generated- Content (UGC) Adoption: Extending The Technology Acceptance Model (TAM) With Credibility Theory. Journal of Hospitality Marketing & Management, 29(4).
Bimantara, B. (2020). Pengaruh Kualitas Pelayanan Dan Persepsi Risiko Terhadap Kepuasan Pelanggan Dalam Menggunakan Jasa Ekspedisi J&T Express Samarinda. E-Journal Administrasi Bisnis, 8(3), 262.
Cabanillas, F. L., Luna, I. R., & Rios, F. J. M. (2017). Intention to use new mobile payment systems: A comparative analysis of SMS and NFC payments. Ekonomika Istraživanja / Economic Research, 30(1), 892–910.
Davis, F. D. (1989). Perceived Usefulness, Perceived Ease of Use, and User Acceptance of Information Technology. MIS Quarterly, 13(3), 319–340.
Dorman, P. (2014). Macroeconomics. Springer.
DSResearch. (2020). Indonesia Fintech Report 2020. Https://Fintechnews.Sg/Wp-Content/Uploads/2020/12/Fintech-Indonesia-Report-2020.Pdf.
Hsueh, S. C., & Kuo C. H. (2017). Effective Matching for P2P Lending by Mining Strong Association Rules. Proceedings of the 3rd International Conference on Industrial and Business Engineering, 30–33.
Jeong, J. Y., & Kim, H. C. (2020). Korean mothers’ food choice behavioral intent for children: An examination of the interaction effects of food type, household income, and healthism. Food Quality and Preference, 81.
Kotler, P. (2009). Manajemen Pemasaran. Indeks.
Kotler, P., & Keller, K. L. (2012). Marketing Management (Global Edi). London: Pearson Education Limited.
Lestari, N. A., & Iriani, S. S. (2018). Pengaruh Kepercayaan dan Kemudahan Transaksi Terhadap Keputusan Pembelian secara Online pada Situs mataharimall.com. Jurnal Ilmu Manajemen, 1–8.
Mentari, A. C., & Bendesa, I. K. G. (2018). Analisis faktor-faktor yang mempengaruhi minat dalam menggunakan uang elektronik di Kota Denpasar, Provinsi Bali. E-Jurnal EP Unud, 7(4), 646–676.
Monica, N., & Tama, A. I. (2017). Pengaruh Persepsi Manfaat, Persepsi Kemudahan, Norma Subjektif, dan Kepercayaan terhadap Minat Menggunakan Electronic Commerce. Jurnal, 8(1), 27–41.
Pratika, Y., Wisnu, D., Riyanto, U., & Ambarwati, T. (2021). Analysis of Pay Later Payment System on Online Shopping in Indonesia. Journal of Economics, Business, and Accountancy Ventura, 23(3), 329–339.
Putra, R. D., & Baridwan, Z. (2019). Pengaruh Objektivitas, Motivasi, Pengalaman Kerja Auditor, dan Kompetensi Terhadap Kualitas Audit (Studi Empiris Pada Kantor Akuntan Publik di Jawa Timur). Jurnal Ilmiah FEB Universitas Brawijaya, 7(2), 1–19.
Rakhma, S., & Setiawan, D. (2019, September 27). Sebelum Transaksi Pakai Fitur Pay Later, Simak 5 Risikonya. Https://Money.Kompas.Com/Read/2019/09/27/140050726/Sebelum-Transaksi-Pakai-Fitur-Pay-Later-Simak-5-Risikonya.
Ramkumar, P. N., Haeberie, H., Ramanathan, D., & Cantrell, W. A. (2019). Remote Patient Monitoring Using Mobile Health for Total Knee Arthroplasty: Validation of a Wearable and Machine Learning-Based Surveillance Platform. The Journal of Arthroplasty, 34(10).
Rodrigues, L. F., Oliveira, A., & Costa, C. J. (2016). Does ease-of-use contributes to the perception of enjoyment? A case of gamification in e-banking. Computers in Human Behavior, 61, 114–126.
Schiffman, L. G., & Wisenblit, J. L. (2015). Consumer Behavior Edisi 11 Global Edition. Pearson Education Limited.
Sebayang, A. A. (2017). Pengaruh Risiko, Kemudahan Penggunaan, Kepercayaan dan Electronic Word Of Mouth Terhadap Penggunaan Layanan Mobile Banking (Studi Pada Pengguna Layanan Mobile Banking Bank Mandiri di Kota Bandar Lampung). Universitas Lampung.
Suryani, T. (2013). Perilaku Konsumen di Era Internet. Graha Ilmu.
Taherdoost, H. (2018). A Review of Technology Acceptance and Adoption Models and Theories. Procedia Manufacturing, 22, 960–967.
Tarantang, J., Awwaliyah, A., Astuti, M., & Munawaroh, M. (2019). Perkembangan Sistem Pembayaran Digital Pada Era Revolusi Industri 4.0 di Indonesia. Jurnal Al-Qardh, 4(1).
Tun-Pin, C., Keng-Soon, W. C., Yen-San, Y., Pui-Yee, C., Hong-Leong, J. T., & Shwu-Shing, N. (2019). An adoption of FinTech service in Malaysia. South East Asia Journal of Contemporary Business, 18(5), 134–147.
Wiradinata, T. (2018). Mobile Payment Services Adoption: The Role of Perceived Technology Risk. 2018 International Conference on Orange Technologies (ICOT), 1–5. https://doi.org/10.1109/ICOT.2018.8705859
Downloads
Published
How to Cite
Issue
Section
License
Authors who publish their manuscripts in this journal agree to the following conditions:
- The copyright on each article belongs to the author(s).
- The author acknowledges that the Dinasti International Journal of Management Science (DIJMS) has the right to be the first to publish with a Creative Commons Attribution 4.0 International license (Attribution 4.0 International (CC BY 4.0).
- Authors can submit articles separately, arrange for the non-exclusive distribution of manuscripts that have been published in this journal into other versions (e.g., sent to the author's institutional repository, publication into books, etc.), by acknowledging that the manuscript has been published for the first time in the Dinasti International Journal of Management Science (DIJMS).
