Faktor –Faktor Yang Mempengaruhi Persepsi Konsumen E-payment(Studi Kasus: Pengguna Kartu Kredit dan Debit di Kota Bandung)

Abstract

Technological advancements mak e many systems more modern, including in the financial sector. One of the innovations in bank ing technology is a non-cash payment system using cards, which areCredit Cards and Debit Cards.Bank Indonesia as the Central Bank inIndonesia issued one of the policies called Non-Cash National Movement (GNNT) to mobilize people using non-cash payment system.Given this policy, various factors that mak e people switching through the use of non-cash payment systems using cards. These factors are: Benefit, Trust, Self-Efficacy, Ease of Use and Security. These factors are the independent variables in this study that will be associated with the dependent variable Consumer Perceptions of e-payment.The research used quantitative method, based on the type of analysis used in this research is descriptive analysis and multiple linear analysis. The sample used in this study as many as 401 respondents who are users of Credit Card and Debit / ATM Card. Data collection using the Google Form online questionnaire. Processed data processing processed with the help of IBM SPSS version 25 software statistics. The results of this study shows thatthe response of respondents to the factors that affect consumer e-paymentcan be categorized both each variable and responses of respondents to consumer perceptions of e-paymentincluded in the category very well. And the results of the influence of independent variables are: Benefit, Self-Efficacy, Ease of Use, and Security proved to have a significant effect on the dependent variable of consumer perceptions of e-paymentpartially or simultaneously. However, the variable of trust does not significantly influence consumer perception about e-paymentpartially.

Keywords

• E-Payment;Consumer Perception;Credit Card;Debit Card;Finance Technology.