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All Journal Diponegoro Journal of Accounting DERIVATIF Jurnal Akuntansi dan Pajak Li Falah: Jurnal Studi Ekonomi dan Bisnis Islam Jurnal Analisis Bisnis Ekonomi EQIEN - JURNAL EKONOMI DAN BISNIS FIDUSIA : JURNAL KEUANGAN DAN PERBANKAN Aktiva : Jurnal Akuntansi dan Investasi Penentuan harga obligasi dan teori tingkat bunga JEMMA | Journal of Economic, Management and Accounting FINANCIAL : JURNAL AKUNTANSI Jurnal Ilmiah Edunomika (JIE) JURNAL AKUNTANSI KEUANGAN DAN MANAJEMEN The Indonesian Journal of Accounting Research Abdimas Galuh: Jurnal Pengabdian Kepada Masyarakat Literatus Al-Mal:Jurnal Akuntansi dan Keuangan Islam Shafin: Sharia Finance and Accounting Journal Jurnal Bingkai Ekonomi (JBE) Mutanaqishah: Journal of Islamic Banking Majapahit Journal of Islamic Finance and Management Journal Economic Excellence Ibnu Sina Jurnal Akuntansi dan Keuangan Islam (JAKIs) Majapahit Journal of Islamic Finance dan Management Jurnal Ekonomi, Manajemen, Akuntansi PESHUM
Rahmat Fajar Ramdani
Universitas Islam Negeri Raden Intan Lampung
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Journal : Majapahit Journal of Islamic Finance and Management

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The Influence of Perceptions of Convenience, Benefits, and Risks on Interest in Using Financial Technology (Gopay) in Gen Z in Bandar Lampung City Putri, Lusiana; Iqbal, Muhammad; Ramdani, Rahmat Fajar
Majapahit Journal of Islamic Finance and Management Vol. 5 No. 4 (2025): Islamic Finance and Management
Publisher : Department of Sharia Economics Institut Pesantren KH. Abdul Chalim Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31538/mjifm.v5i4.552

Abstract

This study aims to determine the effect of perceptions of convenience, benefits, and risks to the interest of Generation Z in using financial technology (GoPay) in the city of Bandar Lampung. This study uses a descriptive quantitative approach with sampling techniques through the Slovin formula, which resulted in 100 respondents from Generation Z in the region. Data analysis was conducted using PLS-SEM method through SmartPLS 4 application, covering validity, reliability, hypothesis test, and coefficient of determination. Overall, this study consistently shows that perceptions of ease, benefit, and risk have a positive and significant influence on Gen Z's interest in using GoPay fintech in Bandar Lampung City. The three proposed hypotheses proved to be accepted, with benefit perception and risk perception showed a stronger influence than the perception of ease based on the value of T-statistics and f-square. Specifically, the R-Square value of 0.673 confirms that this model is very good at explaining the 67.3% variation in interest in GoPay use by Gen Z. These results support the validity of the Technology Acceptance Model (TAM) and provide practical implications for fintech service providers to prioritize improving perceived benefits and effective risk management, while maintaining ease of use, to drive continued adoption and interest among the Gen Z segment.
Co-Authors A. Zuliansyah Abdullah Hasan, M Hadi Alamsyah Ainul Fitri Any Eliza Celly Novita Darmayanti, Elmira Febri Dimas Pratomo Dinda Fali Rifan Ersi Sisdianto Ersi Sisdianto Evi Ekawati Firginia Amanda Lelawati, Nina Muhammad Iqbal Muhammad Kurniawan Muhammad Kurniawan Nani Septiana Nina Lelawati Novita Lela Sari Peftiani, Widia Pratomo, Dimas Putri, Lusiana Sindi Okvaniar Vira Choiroel Nisa Vira Choiroel Nisa Zulaikha Zulaikha