Factors Influencing Interest in Using Syariah E-Money in Pekanbaru City
Keywords:
Convenience, Usability, Security, Theory of Technology Acceptance Model (TAM), Sharia E-moneyAbstract
Electronic money (e-money) is an electronic payment system used for online transactions, namely digital elements that are created and can be used as money. From a sharia perspective, the electronic money is halal. This halal is based on the rule; Every transaction in muamalah is basically permitted unless there is an argument that prohibits it, therefore the electronic money must meet the criteria and conditions in accordance with sharia principles. The aim of the study is to investigate the factors that influence customer interest in using sharia e-money in Pekanbaru City. This is a quantitative descriptive study, with a sample size of 383 respondents. The data analysis techniques of the study are multiple linear regression analysis and hypothesis testing performed by using SPSS 26. The results of the study show that the convenience has a positive and significant influence on customer interest in using sharia e-money in Pekanbaru City. The usability has a positive and significant influence on customer interest in using sharia e-money in Pekanbaru City. The security has a positive and significant influence on customer interest in using sharia e-money in Pekanbaru City. Simultaneously, the aspects of convenience, usability and security influence customer interest in using Sharia e-money in Pekanbaru City by 62.9% while the remaining 37.1% is influenced by other variables not included in this study.
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