The Influence of Convenience, Benefits, Security and Trust on the Interest in Using Financial Technology in OVO Applications as a Digital Payment
1Nicholas Tanoto,2 Indah Monica,3 Grasela,4 Namira Ufrida Rahmi
1,2,3,4Department of Accounting, Faculty of Economics, Universitas Prima Indonesia, Indonesia
https://doi.org/10.47191/jefms/v4-i10-03ABSTRACT:
This study aims to obtain data and find out the influence of convenience, benefits, security and trust on the interest in using financial technology in OVO applications as a digital payment study in the case of accounting students at the Faculty of Economics, Prima Indonesia University. The data collection method in this study used a questionnaire. This sampling technique data collection is using accidental sampling and a total of 102 respondents at the Prima Indonesia University. The results obtained in this study show that convenience and benefits do not have a significant partial influence on the interest in using financial technology in OVO applications as a digital payment, whereas security and trust have a significant partial influence on the interest in using financial technology in OVO applications as a digital payment. Simultaneously, convenience, benefits, security and trust have a significant influence on the interest in using financial technology in OVO applications as a digital payment.
KEYWORDS:
Convenience, Benefits, Security, Trust, Interest in use, Financial Technology, Digital Payment
REFERENCES:
1. Atriani, L.A. Permadi, & B.H. Rinuastuti. 2020. The Effect of Perceived Benefits and Ease of Use on the Interest in Using
OVO Digital Wallet. Jounral of Socio-Economic and Humanities, 6(1), 54-61.
2. Ernawati, Nopy, & Lina Noersanti. 2020. The Effect of Perception of Benefits, Ease of Use and Trust on the Interest in
Using the OVO Application. Indonesian Economics College.
3. Ghozali, Imam. 2018. Application of Multivariate Analysis With SPSS Program. 8th edition. Semarang: Diponegoro
University Publishing Agency.
4. Iliyin, A. & Widiartanto, W. 2020. The Influence of Perceived Ease of Use and Perceived Security on Decisions to Use OVO
PT Visionet Data International (Study on OVO Users in Surakarta City). Journal of Business Administration, 9(1), 85-92.
5. Iriani, Sri S. & Andjarwati Anik L. 2020. Analysis of Perceived Usefullness, Perceived Ease of Use, And Perceived Risk
Toward Online Shopping in The Area of Covid-19. Systematic Reviews in Pharmacy, 11(12), 313-320.
6. Jelita, Nanda Putri. 2020. Analysis of the Influence of Muslim Community Perception, Efficiency and Security in
Transactions
7. on the Interest in Using E-Money (Case Study on Muslim Millennials in Malang City OVO Application Users). FEB Student
Scientific Journal, 8(2).
8. Kotler, P. & Keller, K.L. 2016. Marketing Management, 15th edition. New Jersey: Pearson Pretice Hall Inc.
9. Latif, Fitriani & Dirwan. 2020. The Effect of Convenience, Promotion and Benefits on Decisions to Use Digital Money.
Scientific Journal of Management Accounting, 3(1), 16-30.
10. Nuridzul & Osly Usman. 2021. The Effect of Trust Perception, Risk Perception And Security Perception on the Interest in
Using E-Money (Electronic Money), January 2021.
11. Nurjanah, Anis. 2020. Perception of the Use of OVO on Interest and Satisfaction Among Students (Case Study of West
Java Students). Prisma (Accounting Student Research Platform), 1(2), 122-131.
12. Pratama, Andhika & I Dewa G.D.S. 2019. The Effect of Perceived Benefits, Perceived Ease of Use and Level of Trust on
Interest in Using Electronic Money. Udayana University Accounting E-Journal, 27(2), 927-953.
13. Priyatno, Duwi. 2017. Practical Guide to Data Processing Using SPSS. Yogyakarta: Andi.
14. Purba, Meyrilliana, Samsir & Kasman A. 2020. The Effect of Perceived Ease of Use, Perceived Benefits and Trust on
Satisfaction and Intention to Reuse OVO Applications in Postgraduate Students at the University of Riau. Journal of
Business Management Tepak, 12(1), 151-170.
15. Sugiyono. 2017. Qualitative research methods and R & D. Bandung: Alphabeta.
16. Yanto, W., Ery B., & Fitriani. 2020. The Effect of Benefits, Ease and Security on Interest in Using Financial Technology in
OVO Applications as Digital Payment (Case Study of FEB Students, University of Muhammadiyah Metro). Journal of Asset
Accounting, 1(1).
17. Yusda, Dhiotrima, Yuhelmi & Tyara D. P. 2020. The Effect of Trust, Perception of Benefits, Perception of Ease of Use on
the Use of OVO in the Implementation of Financial Technology at Grand Mall Basko, Padang City. Bung Hatta University
Faculty of Economics, 17(2).