Analysis of Perceived Risk, Perceived Trust, Perceived Security Factors on Consumer Intention using E-Payment

Abstract

E-payment is part of an accounting information system that requires a large investment. The key factor for the success of e-payments is understanding and satisfying customer needs and expectations. In order to increase the adoption rate of e-payments or users' intention to use e-payments, the factors that influence consumer adoption must be better managed. Reports show that some users, despite having physical access, are reluctant to use the technology. It is suspected that there are factors that influence the use of e-payments, namely perceived risk, perceived trust and perceived security. This study aims to investigate whether there is an effect of perceived risk, perceived trust and perceived security on consumer intention to use e-payment in Jakarta Greater Area (Jabodetabek). This study uses a quantitative method involving 109 e-payment users in Jabodetabek with an age range of 17-40 years. The data analysis technique used descriptive analysis, classical assumption test and multiple linear regression analysis. Based on the results obtained using SPSS, all factors of perceived risk, perceived trust and perceived security have a significant influence on consumer intention to use e-payments in Jabodetabek.