Analisis Determinan Faktor-faktor yang Mempengaruhi Minat Keperilakuan dalam Menggunakan E-Money pada Kehidupan saat iniSurvei Pada Mahasiswa Universitas Sumatera Utara

Abstract

The increasingly widespread use of the internet allows electronic payments to be made, namely with the emergence of electronic money or e-money so as to save costs and be efficient in use. Some of the perceptions that arise with the existence of e-money are perceived Technology Service Features (X1), Accessibility (X2), Risk (Security) (X3), Social Norms (X4) and Perceived Conformity (X5). This study aims to determine the effect of the independent variable (independent) simultaneously on interest in using e-money, determine the effect of the independent variable (independent) partially on interest in using e-money and to determine which variable has the most dominant influence on interest. in using emoney. The data used is primary data and analyzed using multiple linear regression to determine the direction of the relationship between the dependent variable and the independent variable, the correlation coefficient and the coefficient of determination and to determine whether each variable is positively or negatively related by using primary data types. From the results of the study, it was found that the perceived suitability variable (X5) had the most dominant influence on interest in using e-money.