PERSEPSI KEMUDAHAN,KEAMANAN DAN EFEKTIFIVITAS TERHADAP MINAT TRANSAKSI ULANG MENGGUNAKAN EDC PADA UMKM “KOPI KELILING DISAAT” DI KOTA SEMARANG

Iqbal, Muhammad (2025) PERSEPSI KEMUDAHAN,KEAMANAN DAN EFEKTIFIVITAS TERHADAP MINAT TRANSAKSI ULANG MENGGUNAKAN EDC PADA UMKM “KOPI KELILING DISAAT” DI KOTA SEMARANG. Skripsi thesis, Universitas BPD.

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Abstract

The development of digital payment technology has transformed transaction patterns in society, including in the informal sector such as street coffee vendors. Although the government promotes the use of non-cash payment tools such as Electronic Data Capture (EDC) to improve efficiency and security, adoption in the field remains low due to perceptions of complexity, security concerns, and limited positive user experiences. This study examines the effect of perceived ease of use, perceived security, and effectiveness on the intention to transact using EDC among consumers of street coffee vendors in Semarang City. The research sample consisted of 96 respondents selected through purposive sampling, and the data were analyzed using multiple linear regression. The results show that all three independent variables have a positive and significant effect on the intention to use EDC. These findings highlight the importance of optimizing ease of use, security, and effectiveness of EDC to encourage the adoption of non-cash payments, especially among younger generations who are more adaptive to technology.

Item Type:	Thesis (Skripsi)
Additional Information:	Perkembangan teknologi pembayaran digital telah mengubah pola transaksi masyarakat, termasuk di sektor informal seperti pedagang kopi keliling. Meskipun pemerintah mendorong penggunaan alat pembayaran non tunai seperti Electronic Data Capture (EDC) untuk meningkatkan efisiensi dan keamanan, adopsinya di lapangan masih rendah karena persepsi kerumitan, kekhawatiran keamanan, dan minimnya pengalaman positif. Penelitian ini menguji pengaruh persepsi kemudahan, persepsi keamanan, dan efektivitas terhadap minat transaksi menggunakan EDC pada konsumen kopi keliling di Kota Semarang. Sampel penelitian berjumlah 96 responden yang dipilih dengan teknik purposive sampling, dan data dianalisis menggunakan regresi linear berganda. Hasil penelitian menunjukkan bahwa ketiga variabel independen berpengaruh positif dan signifikan terhadap minat transaksi EDC. Temuan ini menegaskan pentingnya optimalisasi kemudahan, keamanan, dan efektivitas EDC untuk mendorong adopsi pembayaran non tunai, terutama di kalangan generasi muda yang adaptif terhadap teknologi.
Uncontrolled Keywords:	perceived ease of use, perceived security, effectiveness, edc transaction intention
Subjects:	H Social Sciences > HC Economic History and Conditions H Social Sciences > HG Finance H Social Sciences > HJ Public Finance H Social Sciences > HN Social history and conditions. Social problems. Social reform
Divisions:	Faculty of Law, Arts and Social Sciences > School of Management
Depositing User:	Wisudawan S1
Date Deposited:	24 Oct 2025 05:54
Last Modified:	24 Oct 2025 05:54
URI:	http://eprints.stiebankbpdjateng.ac.id/id/eprint/2994

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