What Drives Digital Payment Adoption? Examining the Role of Ease of Use, Security, and Trust
Purpose: This research examines the factors affecting the adoption of digital payments, focusing on how perceived ease of use and perceived security impact this adoption, with user trust serving as a mediating variable. Method: Data were collected in Cirebon City through a survey conducted via Goog...
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| Format: | Article |
| Language: | English |
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Universitas Islam Negeri (UIN) Mataram, Faculty of Islamic Economics and Business
2025-02-01
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| Series: | Journal of Enterprise and Development |
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| Online Access: | https://journal.uinmataram.ac.id/index.php/jed/article/view/12863 |
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| author | Riri Alifah Fakriah Mohammad Dheo Alfhito Mardiyani |
| author_facet | Riri Alifah Fakriah Mohammad Dheo Alfhito Mardiyani |
| author_sort | Riri Alifah Fakriah |
| collection | DOAJ |
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Purpose: This research examines the factors affecting the adoption of digital payments, focusing on how perceived ease of use and perceived security impact this adoption, with user trust serving as a mediating variable.
Method: Data were collected in Cirebon City through a survey conducted via Google Forms, distributed both online and offline. A total of 180 respondents participated in the study. The sampling technique employed was purposive sampling, targeting individuals who currently use or have used digital payments. The data were analyzed using structural equation modeling with the partial least squares (SEM-PLS) approach.
Result: The study's findings indicate that both perceived ease of use and perceived security significantly influence user trust. Additionally, these factors also have a notable impact on the adoption of digital payments. User trust effectively mediates the relationship between perceived security and digital payment adoption.
Practical Implications for Economic Growth and Development: This study highlight the importance for service providers to streamline digital transaction processes, enhance security measures, and offer transparent education on data protection to foster greater adoption of digital payments. The rise in digital payment usage not only enhances financial literacy but also promotes financial inclusion within society. This research offers valuable insights for the financial industry and regulators in developing policies that can bolster public trust in digital payment systems, ultimately contributing to a more advanced, inclusive, and sustainable digital economy in Indonesia.
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| format | Article |
| id | doaj-art-0c6f2a60b7f541d0bc1f04417235a7bf |
| institution | OA Journals |
| issn | 2715-3118 2685-8258 |
| language | English |
| publishDate | 2025-02-01 |
| publisher | Universitas Islam Negeri (UIN) Mataram, Faculty of Islamic Economics and Business |
| record_format | Article |
| series | Journal of Enterprise and Development |
| spelling | doaj-art-0c6f2a60b7f541d0bc1f04417235a7bf2025-08-20T02:15:11ZengUniversitas Islam Negeri (UIN) Mataram, Faculty of Islamic Economics and BusinessJournal of Enterprise and Development2715-31182685-82582025-02-017110.20414/jed.v7i1.12863What Drives Digital Payment Adoption? Examining the Role of Ease of Use, Security, and TrustRiri Alifah Fakriah0Mohammad Dheo Alfhito1Mardiyani2Gunung Jati Swadaya University, IndonesiaGunung Jati Swadaya University, IndonesiaGunung Jati Swadaya University, Indonesia Purpose: This research examines the factors affecting the adoption of digital payments, focusing on how perceived ease of use and perceived security impact this adoption, with user trust serving as a mediating variable. Method: Data were collected in Cirebon City through a survey conducted via Google Forms, distributed both online and offline. A total of 180 respondents participated in the study. The sampling technique employed was purposive sampling, targeting individuals who currently use or have used digital payments. The data were analyzed using structural equation modeling with the partial least squares (SEM-PLS) approach. Result: The study's findings indicate that both perceived ease of use and perceived security significantly influence user trust. Additionally, these factors also have a notable impact on the adoption of digital payments. User trust effectively mediates the relationship between perceived security and digital payment adoption. Practical Implications for Economic Growth and Development: This study highlight the importance for service providers to streamline digital transaction processes, enhance security measures, and offer transparent education on data protection to foster greater adoption of digital payments. The rise in digital payment usage not only enhances financial literacy but also promotes financial inclusion within society. This research offers valuable insights for the financial industry and regulators in developing policies that can bolster public trust in digital payment systems, ultimately contributing to a more advanced, inclusive, and sustainable digital economy in Indonesia. https://journal.uinmataram.ac.id/index.php/jed/article/view/12863Digital Payment AdoptionPerceived Ease of UsePerceived SecurityUser TrustDigital Economy |
| spellingShingle | Riri Alifah Fakriah Mohammad Dheo Alfhito Mardiyani What Drives Digital Payment Adoption? Examining the Role of Ease of Use, Security, and Trust Journal of Enterprise and Development Digital Payment Adoption Perceived Ease of Use Perceived Security User Trust Digital Economy |
| title | What Drives Digital Payment Adoption? Examining the Role of Ease of Use, Security, and Trust |
| title_full | What Drives Digital Payment Adoption? Examining the Role of Ease of Use, Security, and Trust |
| title_fullStr | What Drives Digital Payment Adoption? Examining the Role of Ease of Use, Security, and Trust |
| title_full_unstemmed | What Drives Digital Payment Adoption? Examining the Role of Ease of Use, Security, and Trust |
| title_short | What Drives Digital Payment Adoption? Examining the Role of Ease of Use, Security, and Trust |
| title_sort | what drives digital payment adoption examining the role of ease of use security and trust |
| topic | Digital Payment Adoption Perceived Ease of Use Perceived Security User Trust Digital Economy |
| url | https://journal.uinmataram.ac.id/index.php/jed/article/view/12863 |
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