THE INFLUENCE OF TRUST, CONVENIENCE AND RISK ON THE DECISION OF THE PEOPLE OF SOUTH BANJARMASIN TO USE THE SHOPEE PAYLATER PAYMENT METHOD ON THE SHOPEE MARKETPLACE

This research aims to analyze the influence of trust, convenience, and risk on the decision of the people of South Banjarmasin to use the Shopee Paylater payment method. This research is field research with a quantitative approach. The population in this research is the people of South Banjarmasin who have used the Shopee Paylater feature. The sample in this study consisted of 100 respondents. Data collection used a questionnaire with multiple linear regression analysis. The results of the F test show that trust, convenience, and risk simultaneously influence the decision of the people of South Banjarmasin to use Shopee Paylater payment method. This is different from the results of the T test, where only convenience has a partial effect on people’s decisions, while trust and risk do not have a partial effect on people’s decisions in using the Shopee Paylater payment method.