Factors Influencing User Preferences and Perceived Benefits of Using Digital Payments in West Sumatra

Riganislamareda, Sukma (2019) Factors Influencing User Preferences and Perceived Benefits of Using Digital Payments in West Sumatra. Other thesis, Universitas Andalas.

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Abstract

ABSTRACT This research is descriptive exploratory research that aims to explore the factors that influence the preferences and benefits perceived by users in using digital payments in West Sumatra. Based on the literature review, there are 15 identified factors affecting user preferences in using digital payments. In addition, there are 12 benefits that will be explored based on the results of previous collaborative theories and understanding and observing user experience. Data collection of this study was carried out for 2 weeks using snowball sampling as a sampling method. With this method, there are 242 respondents who can be processed in this study. The results are processed and presented descriptively following previous studies by Kaynak, Tatoglu, & Kula, (2005); Rahayu & Day (2017); Zhao & Kurnia (2014). The results showed that the factors that influence user preferences in using digital payments are transaction efficiency, convenience, compatibility, perceived benefits, ease of use, attractive discounts, social influences, and trust. Of all these factors, transaction efficiency was found to have the strongest influence. In addition, the benefits felt by users are also traced and found that the highest benefit value received by users is to reduce refunds in non-monetary forms, such as candy. Another benefit felt by most users is "reducing waiting time in transactions", "no need to take cash before making transactions", "the right amount of transactions", and "faster transaction processing". Keywords: exploration, factors influencing, perceived benefits, digital payment.

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