ANALISIS FAKTOR-FAKTOR KEPUTUSAN MAHASISWA/I PENGGUNA DOMPET DIGITAL (Studi Kasus Pada Mahasiswa/I Fakultas Ekonomi Universitas Pakuan)

Abstract

In this digital era, the payment system in the world have experienced the evolution of change. Currently, a modern payment systems are already used in the era of digital finance by the type of payment using Electronic Money (E-money) or can be referred  as Mobile Money, or Mobile Payment, or in Indonesia is also known as Digital Wallet. In 2018, Bank of Indonesia have been recorded the percentage of non cash transaction volume in Indonesia grew by 20,62% over the past five years, this certainly has shifted the use of cash transaction in Indonesia.

The aim of this are to know about Digital Wallet competition in Indonesia and the factors that influence student’s decicions to use Digital Wallet. This research is  carried out at Pakuan University using primary and secondary data with a total of 100 students as the respondents. The sample  is chosen using probability sampling. The analytical methods used in this study is descriptive and tabulation analysis. The question items are already tested using validity  and reliability test.

The result of this study reveal the fact that Linkaja is the most competitive Digital Wallet but only a few studentsuse it, allegedly because of Linkaja competitiveness is not interesting for students to use it. The factor that most influences student’s decicions to use Digital Wallet is cultural factors.