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.
