Analysis Of Factors Affecting Islamic Economic Communities Using Digital Payments

Abstract

This study aims to analyze and provide empirical evidence about the effect of trust on the use of digital payment systems with risk perception, perceived benefits and perceived convenience as intervening variables. The population in this study is the West Sumatera Islamic Society. The research sampling method of 100 students used quota sampling. Data processing with Smart PLS 3.0 results showed that trust had a positive and significant effect on perceived benefits and perceived convenience. Trust has a significant negative effect on risk perception. While perceptions of the benefits and perceptions of ease have a significant positive effect on the use of Digital Payments. Risk perception has a negative effect on the use of Digital Payments. Risk perception has a negative effect on the use of Digital Payments. The results of the intervening test showed that the perception of benefits and perceived convenience play a part of mediation and the perception of risk has no mediating effect (no mediation).