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All Journal COMPETITIVENESS JOURNAL Equilibrium: Jurnal Ilmiah Ekonomi, Manajemen dan Akuntansi Journal of Economic, Bussines and Accounting (COSTING) SENTRALISASI Atma Jaya Accounting Reseach (AJAR) Jurnal Akuntansi Economics and Digital Business Review International Journal of Humanities Education and Social Sciences Advances in Taxation Research Jurnal Social Society JER Indonesian Journal of Innovation Multidisipliner Research Amnesty: Jurnal Riset Perpajakan
Muhammad Adil
Jurusan Akuntansi, Fakultas Ekonomi Dan Bisnis Universitas Muhammadiyah Makassar, Indonesia
Humanities Chemical Engineering, Chemistry & Bioengineering Civil Engineering, Building, Construction & Architecture Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Social Sciences Other

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Public Perceptions of The Use Of Digital Payment Systems in Financial Transactions in Ulaweng Subdistrict, Bone Regency Dian Anugrah; Asri Jaya; Muhammad Adil
Journal Social Society Vol. 6 No. 3 (2026): Juli - September 2026
Publisher : Pustaka Digital Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54065/jss.6.3.2026.1394

Abstract

The rapid growth of digital payment systems has transformed financial transaction practices and become an important instrument for promoting financial inclusion. However, the adoption of digital payment services remains uneven in rural communities, where limited digital literacy, unstable infrastructure, socio-economic differences, and strong cash-based habits continue to influence public acceptance. Previous studies have mostly focused on urban users and quantitative measurements of adoption, while qualitative evidence on how rural communities perceive and experience digital payment systems remains limited. Therefore, this study aims to explore public perceptions of the use of digital payment systems in financial transactions in Ulaweng Subdistrict, Bone Regency. This study employed a qualitative descriptive approach involving 37 informants selected through purposive sampling, consisting of community members, MSME actors, traditional market traders, local government representatives, and banking service agents. Data were collected through semi-structured interviews, observations, and documentation. The data were analyzed using data reduction, data display, and conclusion drawing, while validity was ensured through source triangulation and method triangulation. The findings reveal that public perceptions of digital payment systems are diverse and remain in a transitional stage. Some informants perceived digital payments as practical, efficient, and time-saving, while others remained hesitant due to limited digital literacy, security concerns, unstable internet access, and reliance on cash transactions. Financial literacy, digital literacy, socio-economic background, internet accessibility, social environment, and user experience were identified as key factors shaping acceptance. These findings are significant because they show that increasing digital payment adoption in rural areas requires more than technological availability. Local governments, financial institutions, and service providers need to strengthen community-based digital literacy programs, improve internet infrastructure, provide transaction security education, and offer user assistance to build public trust and support inclusive digital financial transformation.
Co-Authors Adiningrat, Andi Arifwangsa Amelia Rezky Amin Amran Amran Andi Amelia Cahyanti Andi Rustam Asri Jaya Ayani Dinasti Azira Tahir Bahrun Amin Bakri Bakri Bakri Dedi Akbar Herianto Dian Anugrah Dian Rahayu Endang Winarsih Fera Firyal Thahir Hajratul Wahda Haliah, Haliah Idrawahyuni Idrawahyuni Khadijah Darwin Mediaty Muhammad Khaedar Sahib Muhammad Nasrun Muhammad Nur Abdi Mustikawati Mustikawati Nadhirah Nagu Naidah, Naidah Nasrullah Nasrullah Nelly Anita Nurul Fuada Qanita Mokodompis Qanita Mokodompis Romadhoni, Buyung Rustan Rustan Sumiati Sumiati Syafaruddin Syafaruddin wahyuni