Z-GENERATION ATTRACTION ANALYSIS USING E-MONEY PAYMENT IN ONLINE SHOPPING

Abstract

Technological developments that go hand in hand with changes in the financial payment system are increasingly sophisticated, especially the use of electronic money or e-money which provides more convenience and a sense of security to anyone. The purpose of this study was to determine the interest between trust, perceived convenience and perceived risk on user interest in using e-money. In this study, the sample used was 200 samples. Samples were taken using the Purposive Sampling method with certain considerations. The consideration in determining the sample is Generation Z who has shopped online using e-money payments. The analysis technique used is using the SmartPLS 4.0 application and the method used is Structural Equation Model-Partial Least Square (SEM-PLS). Based on the results of data analysis, trust on user interest has a positive effect, perceived convenience on user interest has a positive effect and perceived risk on user interest has a positive effect.