ISSN: 2775-8508

E-ISSN: 2797 - 1058

Journal Universitas Muhammadiyah Gresik Engineering, Social Science, and Health

International Conference (UMGESHIC)
UMGCINMATIC : 1st Rethinking Education during Covid-19 Era: Challange and Innovation

INFLUENCE OF PERCEPTION OF EASE, SECURITY, AND

FEATURES ON DECISION TO USE DIGITAL WALLET GOPAY

Author
Sinta, Sukaris

Universitas Muhammadiyah Gresik

Email: sparkyusinta@gmail.com

ABSTRACT
Nowadays, many platforms are emerging-based financial services fintech to support electronic
money activities in Indonesia. One of the fintechs is digital payment, fintech provides online
payment system services through digital wallets. The development of fintech, especially digital
wallets in Indonesia, in the last 5 years has increased in shaping consumer behavior. With the
existence of a digital wallet, the opportunities for consumers to make online payments are wider
in providing convenience for transactions. One of the most well-known digital wallets is gopay.
Many factors influence the use of the GoPay digital wallet, including perceptions of
convenience, security, and features. This study aims to examine the effect of perceived
convenience, security, and features on the decision to use the GoPay digital wallet. The research
method used is quantitative, the population of this study is active students of the 2018-2021
Management Study Program, Faculty of Economics and Business. The sample of this study was
100 students and the sampling technique used non-probability sampling, namely purposive
sampling. The data was obtained by giving questionnaires to the respondents, then the returned
data was analyzed using multiple linear regression techniques. The results of this study indicate
that the perceived convenience variable has a partial effect on the decision to use with a value
of sig 0.001 < 0.05, while the security variable also partially affects the decision to use a gopay
digital wallet with a value of sig 0.00 < 0.05 but is different from the variable a feature that has
no influence on the decision to use a gopay digital wallet with a sig value of 0.114 > 0.05.
Keywords: Perception of convenience, security, features.

1. INTRODUCTION
Today, the development of the world of digital technology is growing and advancing
rapidly. Where the need for goods and services is also increasing in society. In this period
buying and selling activities are increasingly facilitated by technology, for example in terms
of payment, before getting to know technology, payments for goods or services were carried
out conventionally or directly with cash, but for now technology is increasingly sophisticated,
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payments can be made on a non-cash basis. With non-cash payments, transactions are very
easy and efficient because you no longer need to bother carrying cash.
Based on bank Indonesia regulation number 11/12/PBI/2009 regarding the use of
circulated electronic money, it can be interpreted here that BI seems to be very supportive of
money activities In Indonesia, with the issuance of these regulations, it is hoped that it will
increase public confidence in the use of electronic money. Along with these developments, in
the current digital era, many-based financial service platformshave emerged fintech (financial
technology) that support electronic money activities in Indonesia. Efrianto and Tresnawati
(2021), define that fintech is the use of information technology developments to improve
services in the financial industry. Quoted from the official "sikapiuangmu OJK" page, the
presence of fintech in Indonesia can be divided into 5 categories, namely crowdfunding,
microfinancing. There
are many choices of digital wallet applications in Indonesia, based on data from Iprice
there are 10 digital wallet applications with monthly active users. Some of them are local
products. In the period Q2 2019 to Q2 2020, local digital wallets were able to stay in the top
four positions. Local digital wallet applications include go pay, ovo, funds, link only and
genius. This shows that digital wallets are widely used by the public. The results of the 2020
digital wallet user survey based on report data from Ipsos, namely the Evolution of the digital
wallet industry, revealed that the majority of digital wallet users are the younger generation.
The development of fintech, especially digital wallets in Indonesia, in the last 5 years
has undergone changes in the formation of consumer behavior. The existence of a digital
wallet can make the opportunities for consumers to make payments online become wider in
providing convenience for every transaction. The contribution of digital wallets also plays a
role in shifting the mindset of consumers. Every generation will always be the target of a
digital wallet company that continues to grow, because its mindset is influenced by
technology. Previous research has been conducted by Rahmawati and Yuliana (2020) related
to the decision to use a digital wallet which gives the result that the perception of convenience
affects the decision to use, this is not in line with the research of Ambarwati (2019) which
states that the perception of convenience cannot be proven. Research conducted by Iliyin and
Widiartanto states that security affects decisions on using digital wallets but this is not in line
with research by Efrianto and Tresnawaty (2021) which states that security does not affect
usage decisions. Personal research and Gunawan (2020) state that features influence usage
decisions, but it is inversely proportional to Chandra's (2016) research which states that
features have no effect on usage decisions. Previous studies experienced inconsistencies in
research results, so the authors wanted to re-examine the variables that influence usage
decisions.
This study uses the concept of the technology acceptance model (TAM) which was
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coined by Davis (1989). TAM concept is based on the theory of reasoned action(TheoryOf
ReasonedAction)developed by Fishbein and Ajzen (1975). The TAM model explains that
system users tend to use the system if the system is easy to use and useful for its users. TAM
explained that users of the information system determined by two factors, namely the
perception of convenience and the perception of usefulness. Lee and Panteli (2010), it is hoped
that the expansion of the TAM concept will help predict a person's attitude and acceptance of
technology and provide the necessary basic information regarding the factors that drive
individual attitudes. TAM explains that 2 individual beliefs, namely the perception of
convenience and the perception of benefits are the main factors that influence a computer
acceptance behavior. Davis, et al (1989) implement the concept of the TAM model into
practice that shows the results of a person's level of interest and acceptance of information
systems or technology, for example, fintech.
Sukaris et al (2020) define fintech as a combination of financial services and
technology, where this technology has changed the conventional business model into a modern
business, which was originally carried out with face-to-face payment transactions and carries
a certain amount of money, but can now be processed remotely. The decision to use the GoPay
digital wallet is influenced by several factors. Sumarwan (2004:289), defines the decision to
use a decision as the selection of an action from two or more alternative choices. Meanwhile,
according to Setiadi (2015: 415), defines usage decisions as an integration process of
combining information to process and select several actions to be decided, which are used to
decide on an action to take.
The first factor is the perception of convenience. Jogiyanto (2007: 114), defines
perceived ease of use as the extent to which a person believes that using a technology will be
free from effort. Second, namely security, Ananda (2009:17), defines security as an individual
belief that the use of information systems is safe, the loss of data or information is very small
and the risk of theft is low and that matters relating to the user's personal information system
are guaranteed confidentiality, no party the third to know. The third is the features of Kotler
and Keller (2015: 8), defining features as attributes of a product to compete and differentiate
the company's products from competitors.

2. METHOD
This study used a quantitative approach. This research was conducted at the University
of Muhammadiyah Gresik, which is located on Jl. Sumatra No. 101, Randuagung Kebomas
Kebomas, Gresik Regency, East Java 61121. In this study, the research population was active
students of the Management Study Program, Faculty of Economics and Business, University
of Muhammadiyah Gresik class 2018 – 2021 in the 2021-2022 academic year totaling 1,090
students, but for go pay digital wallet users are unknown.
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Sugiyono (2011: 91) says that the sample that is suitable for use in research is between
30-500 respondents. The sample used in this study is 100 respondents from an unknown
population. So that the determination of a sample of 100 respondents can be said to be
representative or quite representative of the population. Researcher using a non-probability
sampling technique. The non-probability sampling technique used in sampling uses purposive
sampling, where the determination of the sample is emphasized because of the consideration
of certain characteristics or characteristics. This research is included in the type of quantitative
descriptive. This study uses primary data. Collecting data in this study using a questionnaire
technique (questionnaire) and distributed via google form. Measurement of data in this study
using a questionnaire. The scoring uses ascale Likert. The data analysis technique uses multiple
linear regression analysis, coefficient of determination and t test with variables perceived
convenience (X1), Security (X3), and Features (X3) on the Decision to Use (Y).

3. RESULT AND DISCUSSION

Based on the answers to the questionnaire that were returned and processed using a tool help
spss version 22, then the results of the interpretation of this study are as follows:
Coefficientsa
Standardized
Unstandardized Coefficients Coefficients

Model B Std. Error Beta t Sig.

1 (Constant) -.549 1.491 -.368 .714

PERSEPSI
.291 .087 .289 3.347 .001
KEMUDAHAN (X1)

KEAMANAN (X2) .468 .076 .512 6.193 .000

FITUR (X3) .210 .132 .124 1.596 .114

a. Dependent Variable: KEPUTUSAN PENGGUNAAN (X2)

a. Perception of convenience (X1) on the decision to use (Y), gives a result of 0.01 so
that the results of this study prove that Perception of Ease (X1) affects the decision to
use (Y). Dewi and Warmika (2016), define the perception of convenience as a belief
that arises in a person towards a new technology, where its use is very easy to
understand so that users do not need to study the technology in depth. As from these
results, it is explained that the perception of ease is strongly influenced by the ease of
learning, control, clear and easy to understand, flexible, easy to be skilled and easy to
use. The effect of the highest score is influenced by ease of use, while the effect of the

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lowest score is influenced by easy and understandable. This influence is supported by

research conducted by Rahmawati and Yuliana (2020) which states that the perception
of ease affects the decision to use, meaning that if consumers use the technology, they
will get and also feel the ease of not spending more energy in terms of doing a job.
The easier the gopay digital wallet is to use, the more often consumers will use for
transactions. While these results are not in line with Ambarwati's research (2019)
which gives the result that the perception of convenience cannot be proven to have an
effect on usage decisions.
b. Security (X2) against the decision to use (Y) gopay. Giving a result of 0.00 < 0.05 so
that the results of this study prove that Security (X2) has an effect on the decision to
use (Y). Ananda (2009:17), defines security as an individual belief that the use of the
information system is safe, the loss of data or information is very small and the risk of
theft is low and that matters relating to the user's personal information system are
guaranteed to be confidential, no third party can find out.
As the results explain that security is strongly influenced by integrity, prevention of
denial, authenticity, confidentiality, privacy and availability. The effect of the highest
score is influenced by integrity, while the effect of the lowest score is influenced by
confidentiality. This influence is supported by research conducted by Iliyin and
Widiartanto (2018), which gives the result that security affects usage decisions, which
means that the greater the security provided by the company, the better or higher the
level of decision to use digital wallets, given the crime in the world. virtual quite a lot.
but these results are not in line with the research of Efrianto and Tresnawaty (2021)
which gives the result that safety has no influence on the decision to use.
c. Features (X3) on the decision to use (Y). Giving a result of 0.114 > 0.05 so that the
results of this study prove that the feature (X2) has no effect on the decision to use
(Y). Kotler and Keller (2015: 8), define features as attributes of a product to compete
and differentiate the company's products from competitors. As the results explain that
features are not influenced by feature diversity, features that are in line with
expectations, and feature advantages. The highest score that does not affect is the
diversity of features, while the lowest score that does not affect is the superiority of
features.
This influence is supported by research conducted by Chandra (2016) which gives the
result that features have no effect on usage decisions, but these results are not in line
with the research of Pribadi and Gunawan which gives the result that features have an
influence on usage decisions. Features have no effect on usage decisions because all
of the features of the GoPay digital wallet have the same features in the variety of
features, features as expected and the advantages of features with other digital wallets.
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4. CONCLUSION
As the research data analysis has been carried out, it can be concluded:
a. Perception of convenience partially influences decisions to use gopay digital wallets
b. Security has a significant effect on partial to the decision to use the gopay digital wallet.
c. The feature does not have a partial effect on the decision to use the GoPay digital
wallet.

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