Pengaruh Persepsi Kemudahan dan Persepsi Manfaat dalam Penggunaan QRIS terhadap Efisiensi Penggunaan Dompet Digital OVO pada Masyarakat Kota Medan

Abstract

Changes in modern lifestyles are being driven by technology and the demands of a fast-paced life. Startups, particularly in the e-commerce and fintech sectors, are rapidly growing in Indonesia. The COVID-19 pandemic has accelerated the shift from cash to non-cash transactions, with the use of digital wallets and QRIS increasing dramatically. OVO, a popular digital wallet, is experiencing growth. Bank Indonesia foresees a sustained growth in electronic money transactions. Moreover, the implementation of QRIS across countries is expected to enhance trade and tourism in the ASEAN region. The collaboration among ASEAN countries in the cross-border payment system is expected to bolster the regional economy on a global scale. The purpose of this study is to assess the effect of perceived convenience and perceived benefits on the efficiency of utilizing OVO digital wallets. The analysis will partially and simultaneously consider the relationship between perceived convenience and perceived benefits in terms of usage efficiency. The research design employed in this study is quantitative with an associative approach. The population in this research is the people of Medan City who use QRIS on the OVO digital wallet. The sample size was determined to be 96 respondents, selected through non-probability purposive sampling. Primary data was obtained through direct distribution of questionnaires, while secondary data was obtained through literature review. The study employed various analysis methods, such as validity testing, reliability testing, classical assumption testing, multiple linear regression, partial testing, simultaneous testing, and determination testing. Additionally, the data was processed using SPSS Version 29 software. The study results indicate that perceived convenience and benefits have a significant positive impact on usage efficiency. The regression coefficient values for perceived convenience and benefits were 0.413 and 0.452, respectively. Both perceived convenience and benefits had t-count values greater than 1.985 with sig values of 0.001 < 0.05, indicating their statistical significance.During simultaneous testing, it was observed that the variables of perceived convenience and perceived benefits had a simultaneous effect with a level of influence of 85.7%. It is worth noting that the remaining 14.3% was influenced by factors outside the scope of this study.