ANALYSIS OF THE RELATIONSHIP BETWEEN CHARACTERISTICS OF USERS OF ELECTRONIC MONEY APPLICATIONS TO INTENTIONS AND USAGE BEHAVIOR

Abstract

Data from the Indonesian Financial Technology Association (IFA) and OJK in 2016 showed that the largest percentage in financial technology was payment sector. However, the Central Jakarta survey data in 2017 shows that the cash payment method is still the consumer's main choice of 77% in making payments. The answers to the research are arranged using a Likert scale to be processed with Crosstab Analysis. The results showed that transportation services had the largest percentage in online transactions of 37.33%.. The results of the study also showed that 56.84% of users used electronic money applications for less than ten times in one month. The reason for using the most electronic money is practically 47.02%.

Keywords

• Behavioral intention
• electronic money
• use behavior
• public service