Analisis Faktor-Faktor yang Memengaruhi Minat Penggunaan Sistem Pembayaran Pay Later
DOI:
https://doi.org/10.31004/jptam.v6i1.3242Keywords:
Pay Later, Financial Technology, Minat Penggunaan, E-CommerceAbstract
Penelitian ini dilakukan untuk meneliti apa saja faktor – faktor yang mendorong minat pengguna dalam menggunakan sistem pembayaran Pay Later pada masyarakat di Pulau Batam, pengumpulan data pada penelitian ini menggunakan kuesioner yang diukur dengan skala likert serta pengujian statistik dengan model analisis regresi berganda dan pengujian hipotesis Uji t terhadap 170 responden. Hasil akhir pada penelitian ini menunjukkan bahwa facilitating conditions, kemudahan dan hedonic motivations memiliki pengaruh secara positif dan signifikan terhadap minat penggunaan metode pembayaran Pay Later, sementara suku bunga dan pendapatan memiliki pengaruh secara negatif dan tidak signifikan terhadap minat penggunaan metode pembayaran Pay Later.
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