Citation:

Ismulyana Djan, Ariningtias, Siti Rubbiah Adawiyyah. "Factors that Influence Purchasing Decisions with Fintech Payment" International Research Journal of Economics and Management Studies, Vol. 3, No. 7, pp. 422-427, 2024.

Abstract:

This research aims to find out how trust and ease of using Shopee Paylater influence purchasing decisions through an interest in using it as an intervening variable. This study uses a quantitative approach. The population in this research is consumers who have made transactions using the Shopee Paylater payment method at least once and live in Bogor City. Sampling used a purposive sampling technique with 210 respondents. The analysis technique used is Structural Equation Modeling (SEM). The study's findings indicate that while convenience has a large and negative impact on interest in using, trust has an advantageous and considerable impact on interest in utilizing; trust has no effect and is not significant on purchasing decisions, whereas convenience has no effect and is not significant on purchasing decisions, interest in using has a positive and significant effect on purchasing decisions, interest in using mediates between trust and purchasing decisions with a positive relationship, and interest in using mediates between convenience and purchasing decisions with a negative relationship.

References:

[1] Canestren, A. I., & Saputri, E. M. (2021). Pengaruh Kepercayaan, Kemudahan, Dan Resiko Terhadap Keputusan Pembelian Menggunakan Metode Pembayaran Shopee Paylater. E-Proceedings of Management. Vol 8, No 3.
[2] Darmayanti, N. L., Purnamawati, I. G., & Prayudi, M. A. (2017). Pengaruh Pendekatan Technology Acceptance Model dan Faktor Sosial Terhadap Penerapan Sistem Informasi Keuangan Daerah Pada SKPD Di Kabupaten Gianyar. e-JournalS1 Ak, 8(2).
[3] Ghozali, Imam. (2017). Model Persamaan Struktural Konsep dan Aplikasi dengan Program AMOS 24 Update Bayesian SEM. Cetakan VII. Penerbit: Badan Penerbit Universitas Diponegoro. Semarang.
[4] Katadata.co.id(2020). https://databoks.katadata.co.id/datapublish/2022/03/23/ada-2047-juta-pengguna-internet-di-indonesia-awal-2022
[5] Keni, K., Tjoe, H., Wilson, N., & Negara, E. S. (2020). The Effect of Perceived Security, Ease of Use and Perceived Usefulness on Intention to Use Towards Mobile Payment Services in Indonesia. Social Science, Education and Humanities Research, Atlantis Press SARL, 478(Ticash), 78– 84. https://doi.org/10.2991/assehr.k.201209.010
[6] Kotler, Philip. & Gary Armstrong. (2016). Principle of Marketing, 15th edition. New Jersey: Pearson Prentice Hall.
[7] Mutiara, Mutiara., & Wibowo, Imam. (2020). Pengaruh Kepercayaan, Keamanan dan Kualitas Produk Terhadap Keputusan Pembelian. Jurnal Manajamen Bisnis Krisnadwipayana (JMBK). Vol.8. No. 2.
[8] Purnamasari, A. D. R., Sasana, Hadi., & Novitaningtyas, Ivo. (2021). Pengaruh Perceived Ease Of Use, Perceived Usefulness, Perceived Risk, dan Brand Image terhadap Keputusan Pembelian Menggunakan Metode Pembayaran Paylater. Jurnal Manajemen. Vol. 13 (3) 2021, 420-430.
[9] Setyawati, Nanda Ayu. (2021). Pengaruh Kualitas Layanan dan Kepercayaan terhadap Minat Pengguna (Studi Kasus pada Pengguna Fitur Shopee Paylater (The Effect of Service Quality and Trust on User Interest (Case Study on Shopee Paylater Feature Users)). Undergraduate thesis, Universitas 17 Agustus 1945 Surabaya.
[10] Sitinjak, MM, T. (2019). Pengaruh Persepsi Kebermanfaatan dan Persepsi Kemudahan Penggunaan terhadap Minat Penggunaan Layanan Pembayaran Digital Go-Pay. Jurnal Manajemen, 8(2). Retrieved from http://jurnal.kwikkiangie.ac.id/index.php/JM/article/view/596
[11] Widawati, Lisa. (2011). Analisis Perilaku “Impulse Buying” dan “Locus of Control”pada Konsumen di Carrefour Bandung. Bandung: Universitas Islam Bandung.
[12] DataIndonesia.ac.id. (2022). https://dataindonesia.id/ekonomi-digital/detail/8-paylater-dengan-pengguna-terbanyak-siapa-memimpin
[13] Shopee.co.id. (2020) https://shopee.co.id/

Keywords:

Trust, Easy Use, Intention to Use, Purchase Decision.