Factors Affecting Micro-Business Perceptions of Using Electronic Payment (E-payment) in Bandung City
Nabella Aiesa Arafa (a*), Candra Wijayangka (b*), Budi Rustandi Kartawinata (c*)
a). Faculty of Communication and Business, Telkom University
Jalan Telekomunikasi 01, Bandung 40257, *nabellaarafa[at]student.telkomuniversity.ac.id
b). Faculty of Communication and Business, Telkom University
Jalan Telekomunikasi 01, Bandung 40257, Indonesia.
*wijayangka[at]telkomuniversity.ac.id
c). Faculty of Communication and Business, Telkom University
Jalan Telekomunikasi 01, Bandung 40257, Indonesia.
*budikartawinata[at]telkomuniversity.ac.id
Abstract
This research based on development of digital technology advances in the financial sector, namely in digital payment systems (electronic payments). E-Payments began to be applied by MSME. This study aims for any factors that contribute to consumers perceptions of micro-business efforts in using electronic payments (electronic payments) in Bandung City. The method used in this study is a quantitative method with a type of descriptive and causal research. The variables used in this study are Benefits (X1), Ease of Use (X2), Security (X3), Trust(X4), Self-efficacy (X5) and consumer perception (Y). The sample is 185 respondents and uses a non-probability sampling technique that is provided by purposive sampling. Data analysis using multiple linear regression. Research shows that the factors of benefits, ease of use, and trust in partial didn-t significantly affect consumers perceptions of micro-entrepreneurs using electronic payments in Bandung City. While significant factors are security and self-efficacy. Simultaneously, all factors of Benefit (X1), Ease of Use (X2), Security (X3), Trust (X4), Self-efficacy (X5), and significantly influence consumer relations (Y) toward electronic payments in Bandung City.
Keywords: Electronic Payment; Consumers Perception; Micro-Business; SMes
Topic: Strategic Management, Entrepreneurship and Contemporary Issues