Digital Payment System Analysis of Buying Decision in Indonesia

Yucha, Nikma and Setiawan, Setiawan and Muttaqin, Ninnasi and Ekasari, Ratna and Mauladi, Kemal Farouq (2020) Digital Payment System Analysis of Buying Decision in Indonesia. Journal of Asian Finance, Economics and Business, 7 (10). pp. 323-328. ISSN 2288-4645

[img] PDF
Digital Payment System Analysis of Buying Decision in Indonesia.pdf

Download (261kB)
[img] PDF
turnitin ninnasi muttaqiin.pdf

Download (1MB)
Official URL:


This study aims to analyze the changes in purchasing decisions in conducting transactions using cash and digital payment systems. Cash payment systems are very different from digital payments because they no longer use banks as intermediaries for transactions. The scope of this study is to determine the differences that take place with purchasing decisions using digital payment systems with OVO Indonesia smart applications. By using the paired T-test sample test method and testing the regression class assumptions, it is expected we will document the comparison between cash and digital payment systems as regards changes in consumers' buying interest behavior towards goods. Data is obtained by purposive sampling using special characteristics for smart application users. The results show that digital payments are developing very quickly, but cash payments still dominate due to the unavailability of complete facilities and infrastructure to support digital payment systems other than in cities. This study illustrates that digital payments have not been able to completely change consumer buying behavior in large numbers, but the main finding in this study is an increase in the percentage of digital payment usage to the online market, due to the many conveniences provided in OVO smart applications.

Item Type: Article
Uncontrolled Keywords: Cash Payment; Digital Payment; Buying Decision; OVO Indonesia
Subjects: H Social Sciences > HF Commerce
Divisions: Faculty of Economics and Business > Program Study of Management
Depositing User: Mr. . Aji
Date Deposited: 01 Mar 2024 08:40
Last Modified: 01 Mar 2024 08:49

Actions (login required)

View Item View Item