Consumer Behavior Analysis in Using the Digital Payment Application

Abstract

This study analyzes the relationship between perception and preferences on satisfaction and the usage rate of the digital payment system and the comparison of test differences between gender and age groups. To conclude the research, the relationship between usage rate and habit of using the digital payment system was also investigated. The perception dimensions included ease of use, usefulness, trust, hedonism, social, self-efficacy, attitude, and security. For the preference variable, factors studied were the types of transactions carried out on the digital payment system. For the satisfaction variable, factors studied were the level of user satisfaction in the digital payment system. For the dimensions of the usage rate, the items were the user intensity in using the digital payment applications. The data collected from the respondents were analyzed using linear regression test. From the research, it was concluded that there was a relationship between perception and satisfaction, satisfaction and preference, and perception and preference. The relationship between perception, satisfaction, as well as preference and application usage rate was partially supported, and the relationship between usage rate and habit in using the applications was also supported.