The Effect of Perceived Security towards Intention to Use Digital Payment through a Trust

Mima Halimatus Sa’diyah, Dedi Sulistiyo Soegoto

ICOBEST 2021 - Digitalization and Opportunities in The Tough Time - ISBN 978-623-95562-1-1

Abstract

The purpose of this study was to determine the influence of perceived security on trusts and their impact on intention to use digital payments. The study used causal studies to determine intervariable influences. The population used in this study is Micro Small Medium Enterprises (MSMEs) actors in the culinary and fashion fields in the city of Bandung who have not implemented digital payment in carrying out their business activities. The type of data used is primary data collected through instruments in the form of questionnaires, then the data is processed using statistical analysis tools. The results showed that perceived security had a positive and significant effect on trust. Then, trusts have a positive and significant effect on intention to use and trusts can mediate the perceived security influence on intention to use. These results show that the perception of MSMEs who consider digital payment safe to use in making transactions, will increase their trust in digital payment services, which are ultimately going to encourage interest in using digital payments. Therefore, it is important to pay attention to perceived security variables and trusts to be able to influence the intention to use digital payment to MSMEs in the city of Bandung.

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