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All Journal JOURNAL OF BUSINESS AND ECONOMICS RESEARCH (JBE)
Eillin Lay
Universitas Universal, Batam
Decision Sciences, Operations Research & Management Economics, Econometrics & Finance

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The Effectiveness of Blockchain Integration in Digital Payment Systems on Transparency and User Experience Eillin Lay; Ibnu Harris
Journal of Business and Economics Research (JBE) Vol 7 No 3 (2026): October 2026
Publisher : Forum Kerjasama Pendidikan Tinggi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47065/jbe.v7i3.10208

Abstract

The development of blockchain technology has created new opportunities to improve the quality of digital payment systems through greater transparency, ease of use, and transaction efficiency. These aspects are considered important factors in shaping user experience when utilizing digital payment services. Therefore, this study aims to examine the influence of perceived transparency, perceived ease of use, and transaction efficiency on user experience in blockchain-integrated digital payment systems. This study employed a quantitative approach by collecting data through an online questionnaire distributed to 407 respondents. The collected data were analyzed using multiple linear regression with the R programming language through the Kaggle platform. The results indicate that perceived transparency, perceived ease of use, and transaction efficiency have a positive and significant effect on user experience, with regression coefficients of 0.333, 0.255, and 0.205, respectively. These findings suggest that improving transparency, usability, and transaction efficiency in blockchain-based digital payment systems can enhance the overall user experience.
Co-Authors Ibnu Harris