Pengaruh Persepsi Kemudahan, Persepsi Manfaat, Kepercayaan Konsumen Terhadap Pembayaran Digital

M Ibrahim Firmansyah’, Moh. Cholid Mawardi, Naimatul Hasanah

Abstract


This study aims to examine the influence of perceived ease of use, perceived usefulness, and consumer trust on the adoption of digital payment systems in automotive workshop services in Malang City, Indonesia. A quantitative approach employing an explanatory research design was used. Data were collected through a structured questionnaire distributed to consumers who had previously used digital payment methods at automotive workshops. The collected data were analyzed using multiple linear regression. The findings indicate that perceived usefulness and consumer trust have a positive and statistically significant effect on the adoption of digital payment systems, whereas perceived ease of use does not have a significant effect. Furthermore, the simultaneous test reveals that perceived ease of use, perceived usefulness, and consumer trust collectively have a significant influence on digital payment adoption. These findings suggest that consumers are more likely to adopt digital payment systems when they perceive tangible benefits and have confidence in the security and reliability of the system, rather than merely because the system is easy to use. This study contributes to the literature on digital payment adoption in the automotive workshop sector and provides practical implications for service providers to enhance the perceived usefulness and consumer trust in digital payment systems.

Keywords: Perceived ease of use, perceived usefulness, consumer trust, digital payment, automotive workshops.


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