The Effect of Easy Perceptions and Risk Perceptions on Interest in Using Electronic Money Paying Systems in Ecommerce Shopee Applications
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Published:
May 17, 2022
Keywords:
Interest in Using, Perceived Convenience, Perceived Risk, Shopee E-Commerce Application
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Computer Science
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Abstract
The research use questionnaire distribution. This study aims to determine the effect of perceived convenience and perceived risk on interest in using electronic money payment systems in the Shopee E-Commerce application. The independent variables studied were perceived ease and risk. Usage variable is usage interest. The following types of research are quantitative research. The population in the study are active students of the Faculty of Economics and Business, State University of Surabaya, class 2018 – 2021 who use the ShopeePay payment system, and get a sample by opening 100 respondents. Using a non-probability sampling technique with a purposive sampling approach. Based on the analysis of this study, it was found that the variable perception of ease had a positive and significant effect on interest in use, and the variable perception had a positive value and had no effect on interest in use. Meanwhile, the perception of convenience (X?) and the perception of risk (X?) together have a positive effect on interest in using (Y) in the Shopee E-Commerce application.
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Sukma, B. M. . and Dwijayanti, R. . (2022) “The Effect of Easy Perceptions and Risk Perceptions on Interest in Using Electronic Money Paying Systems in Ecommerce Shopee Applications”, Jurnal Mantik, 6(1), pp. 431-439. Available at: https://iocscience.org/ejournal/index.php/mantik/article/view/2309 (Accessed: 31May2026).
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[21] Setiawan, Kodrat. 2020. “Bank Indonesia: Transaksi E-Commerce Agustus 2020 Naik hingga Mencapai 140 Juta”, https://bisnis.tempo.co/read/1398066/bank-indonesia-transaksi-e-commerce-agustus-2020-naik-hingga-mencapai-140-juta, diakses pada 21 Oktober 2020 pukul 14.27.
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[25] Yang, Y., Liu, Y., Li, H., & Yu, B. (2015). Understanding perceived risks in mobile payment acceptance. Industrial Management & Data Systems, 115(2), 253–269. https://doi.org/10.1108/IMDS-08-2014-0243
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[2] Akmaliyah, M. (2020). Pengaruh Persepsi Manfaat, Persepsi Kemudahan, Persepsi Risiko, Kepercayaan, Dan Sikap Terhadap Minat Menggunakan E-Money. Journal of Chemical Information and Modeling, 53(9), 1689–1699.
[3] Bahran Hibaturrakhman, M. P. (2021). KONSUMEN TERHADAP MINAT BELI ONLINE PENGGUNA LAYANAN CLOUD GAMING ( Studi Pada Pengguna Aplikasi Skyegrid ) THE EFFECTS OF RISK PERCEPTION , EASY PERCEPTION AND CONSUMER TRUST ON ONLINE BUYING INTERESTS OF CLOUD GAMING SERVICE USERS ( Study on Skyegrid Ap. 8(1), 409–419.
[4] Davis, F. D. (1989). Perceived Usefullness, Perceived Ease of Use, and Acceptance of Information Sistem Technology. Management Information Systems, 13(3).
[5] Davis, F. D. (1986). A Technology Acceptance Model for Empirically Testing New End User Information System: Theory and Results. Dissertation. Sloan School of Management, Massachusetts Institute of Technology.
[6] Ermawati, N. (2020). Pengarus Persepsi Manfaat, Pesepsi Kemudahan Penggunaan, Fiture Layanan, dan Persepsi Resiko Terhadap Minat Menggunakan Uang Elektronik dengan Kepercayaan Sebagai Variabel Moderating.
[7] Ersaningtyas, A. P. (2019). ANALISIS PENGARUH PERSEPSI KEMUDAHAN, PERSEPSI RESIKO DAN KUALITAS INFORMASI TERHADAP MINAT MENGGUNAKAN REKENING BERSAMA SHOPEE (Studi Kasus Pada Mahasiswa Fakultas Ilmu Sosial Dan Politik Universitas Pembangunan Nasional “Veteran” Jawa Timur). Jurnal Bisnis Indonesia, 10(02).
[8] Ferdinand, A. 2011. Metode Penelitian Manajemen. Semarang: Badan Penerbit Universitas Diponegoro.
[9] Hibaturrakhman, B., & Pradana, M. (2021). Pengaruh Persepsi Risiko, Persepsi Kemudahan Dan Kepercayaan Konsumen Terhadap Minat Beli Online Pengguna Layanan Cloud Gaming (studi Pada Pengguna Aplikasi Skyegrid). eProceedings of Management, 8(1).
[10] Kotler, P., & Keller, K. L. (2012). Manajemen Pemasaran, Edisi 14, Jilid 1.Jakarta: PT. Indeks.
[11] Leerophong & A. Mardjo. (2013). Trust and Risk in Purchase Intention through Online Social Network : A Focus Group Study of Facebook in Thailand. Journal of Economic, Business and Management Vol. 1 No. 4.
[12] Muhtarom, A., Syairozi, M. I., & Rismayati, R. D. (2022). ANALISIS CITRA MEREK, HARGA, KUALITAS PRODUK DAN PROMOSI TERHADAP KEPUTUSAN PEMBELIAN DIMEDIASI MINAT BELI PADA UMKM TOKO DISTRIBUTOR PRODUK SKINCARE KFSKIN BABAT LAMONGAN. Derivatif: Jurnal Manajemen, 16(1), 36-47.
[13] Muhtarom, A., Syairozi, M. I., & Yonita, H. L. (2022). Analisis Persepsi Harga, Lokasi, Fasilitas, dan Kualitas Pelayanan terhadap Loyalitas Pelanggan Dimediasi Keputusan Pembelian (Studi Kasus pada Umkm Skck (Stasiun Kuliner Canditunggal Kalitengah) Metode Structural Equation Modelling (SEM)-Partial Least. EKOMBIS REVIEW: Jurnal Ilmiah Ekonomi dan Bisnis, 10(S1), 391-402.
[14] Pavlou, P. A. (2003). Consumer Acceptance of Electronic Commerce: IntegratingTrust and Risk with The Technology Acceptance Model. International Journalof Electronic Commerce. Vol. 7, No. 3. Hlm. 69-103.
[15] Prasetya, H., & Putra, S. E. (2020). Pengaruh Persepsi Kemudahan Penggunaan, Manfaat Dan Risiko Terhadap Minat Menggunakan Uang Elektronik Di Surabaya. Jurnal Dinamika Ekonomi & Bisnis, 17(2), 151–158. https://doi.org/10.34001/jdeb.v17i2.1340 10
[16] Pratama, A. B., & Suputra, I. D. G. D. (2019). Pengaruh Persepsi Manfaat, Persepsi Kemudahan Penggunaan, dan Tingkat Kepercayaan Pada Minat Menggunakan Uang Elektronik. E-Jurnal Akuntansi, 27, 927. https://doi.org/10.24843/eja.2019.v27.i02.p04
[17] Rimawati, E., & Saptomo, W. L. Y. (2019). Analisis Diskriptif Technologi Acceptance Model pada Penerapan Blended Learning. Jurnal Ilmiah SINUS, 17(2), 51. https://doi.org/10.30646/sinus.v17i2.420
[18] Saputri, L. (2018). Pengaruh Persepsi Manfaat, Persepsi Kemudahan Penggunaan dan Persespi Risiko terhadap Minat Masyarakat Menggunakan Fasilitas Electronic Banking Bank Syariah dengan Kepercayaan sebagai Variabel Intervening. Journal of Chemical Information and Modeling, 53(9), 1689–1699.
[19] Schiffman, L. G., & Kanuk, L. L. (2007). Perilaku Konsumen (Z. Kasip, Trans.). Penerbit Andi.
[20] Seng, L. C., & Ping, N. S. (2016). The influence of product innovation toward consumer purchase intention. International Journal of Economics, Commerce and Management, 4(4), 773-782.
[21] Setiawan, Kodrat. 2020. “Bank Indonesia: Transaksi E-Commerce Agustus 2020 Naik hingga Mencapai 140 Juta”, https://bisnis.tempo.co/read/1398066/bank-indonesia-transaksi-e-commerce-agustus-2020-naik-hingga-mencapai-140-juta, diakses pada 21 Oktober 2020 pukul 14.27.
[22] Syairozi, M. I., & Handayati, R. (2017). Analisis Efisiensi Perbankan Syariah (Unit Usaha Syariah) Indonesia Periode 2013-2015: Pendekatan Dea (Data Envelopment Analysis). Economic: Journal of Economic and Islamic Law, 8(2), 93-103.
[23] Syairozi, M. I. (2021). Kewirausahaan Pola Pikir, Pengetahuan dan Keterampilan. Widina Bhakti Persada Bandung, pertama, 144–155.
[24] Wildan, M. (2019). Pengaruh Persepsi Kemudahan Penggunaan, Efektivitas dan Risiko terhadap Minat Bertransaksi Menggunakan Financial Technology (Fintech). Fakultas Ekonomi Dan Bisnis Islam.
[25] Yang, Y., Liu, Y., Li, H., & Yu, B. (2015). Understanding perceived risks in mobile payment acceptance. Industrial Management & Data Systems, 115(2), 253–269. https://doi.org/10.1108/IMDS-08-2014-0243
[26] Yogananda, A. S., & Dirgantara, I. M. B. (2017). Pengaruh Persepsi Manfaat, Persepsi Kemudahan Penggunaan, Kepercayaan dan Persepsi Risiko Terhadap Minat Untuk Menggunakan Instrumen Uang Elektronik. Diponegoro Journal of Management, 6(4), 1–7.
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