Analysis Of Factors Affecting Islamic Economic Communities Using Digital Payments

Sari, Vivi Nila and Anggraini, Dian (2020) Analysis Of Factors Affecting Islamic Economic Communities Using Digital Payments. International Journal of Advanced Science and Technology, 29 (9s). pp. 4886-4891. ISSN 2005-4238

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Abstract

This study aims to analyze and provide empirical evidence about the effect of trust on the use of digital payment systems with risk perception, perceived benefits and convenience as intervening variables. The population in this study is the West Sumatera Islamic Society. The research sampling method of 100 people used quota sampling. Data processing with Smart PLS 3.0 results showed that trust has a positive and significant effect on perceived benefits, convenience and risk. The risk perception has a positive, but not significant effect on the use of Digital Payments. The perceptions about the benefits and perceived convenience have a significant positive effect on the use of Digital Payments. The results of the intervening test showed that the perception of benefits and perceived convenience play a part of mediation and the perception of risk has no mediating effect (no mediation).

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