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All Journal CASHFLOW : CURRENT ADVANCED RESEARCH ON SHARIA FINANCE AND ECONOMIC WORLDWIDE IQTISHADUNA: Jurnal Ilmiah Ekonomi Kita JHSS (Journal of Humanities and Social Studies)
Muhammad Irwan Padli Nasution
Universitas Islam Negeri Sumatera Utara, Medan, Indonesia
Humanities Economics, Econometrics & Finance Education Law, Crime, Criminology & Criminal Justice Social Sciences

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Digital Payment Systems and Their Role in Shaping a Cashless Society Yona Fitri; Muhammad Irwan Padli Nasution; Muhammad Habibi Siregar
IQTISHADUNA: Jurnal Ilmiah Ekonomi Kita Vol 15 No 1 (2026): IQTISHADUNA: Jurnal Ilmiah Ekonomi Kita-June
Publisher : LPPM ISNJ Bengkalis

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46367/iqtishaduna.v15i1.2975

Abstract

Purpose – This study aims to analyze the role of digital payment systems in shaping a cashless society among university students, focusing on their experiences and perceptions in using digital payment platforms such as e-wallets, mobile banking, and QR-based payments. Method – The research employs a qualitative approach using a phenomenological method. Data were collected through in-depth interviews with selected informants using purposive sampling and analyzed using thematic analysis, including coding, categorization, and theme development. Findings – The findings reveal that digital payment systems have become an essential part of students’ daily financial activities, significantly reducing reliance on cash transactions. The adoption is influenced by perceived ease of use, perceived usefulness, trust, and social influence, with social influence emerging as the most dominant factor. The study also identifies both positive and negative behavioral impacts, including increased efficiency as well as impulsive spending tendencies, and notes that from an Islamic economic perspective, digital payment systems are considered permissible as long as they comply with Sharia principles. Implications – Theoretically, the study contributes to understanding the behavioral and religious dimensions of digital payment adoption among students. Practically, it implies that strengthening digital infrastructure, enhancing financial literacy, and ensuring Sharia compliance are crucial for supporting sustainable and inclusive cashless society development.
Utaut Effects On Online Food Ordering Platform Use And Culinary Sme Performance In Medan Ayu Annisa Fikra; Muhammad Irwan Padli Nasution; Rahmi Syahriza
JHSS (JOURNAL OF HUMANITIES AND SOCIAL STUDIES) Vol. 10 No. 02. (2026): JHSS (Journal of Humanities and Social Studies)
Publisher : UNIVERSITAS PAKUAN

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33751/jhss.v10i02..255

Abstract

This study aims to analyze the influence of the Unified Theory of Acceptance and Use of Technology (UTAUT) model on the use of the GoFood online food ordering platform and its impact on the performance of culinary Micro, Small, and Medium Enterprises (MSMEs) in Medan City. This study employs a quantitative approach using the Partial Least Squares Structural Equation Modeling (PLS-SEM) method. The study sample consisted of 210 culinary MSME operators in Medan City, selected using probability sampling. Primary data were collected through the distribution of structured questionnaires and analyzed using SmartPLS 3 software. The results indicate that Performance Expectancy, Effort Expectancy, Social Influence, and Facilitating Conditions have a positive and significant effect on Behavioral Intention. Furthermore, Behavioral Intention and Facilitating Conditions have a positive and significant effect on Use Behavior, while Use Behavior has a positive and significant effect on SME performance. In addition, Facilitating Conditions also have a direct positive effect on SME performance. These findings indicate that the successful adoption of the GoFood platform by culinary MSMEs is influenced not only by perceived benefits, ease of use, and social influence but also by the availability of technological infrastructure and adequate facility support, which can enhance business performance. This study provides empirical evidence regarding the relevance of the UTAUT model in explaining the adoption of digital technology among culinary MSMEs amid the digital transformation.
A MARKETING APPROACH FOR THE INTERNET CENTERED ON E-COMMERCE Yunda Adisa; Muhammad Irwan Padli Nasution; Sri Suci Ayu Sundari
CURRENT ADVANCED RESEARCH ON SHARIA FINANCE AND ECONOMIC WORLDWIDE Vol. 2 No. 2 (2023): JANUARY
Publisher : Transpublika Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55047/cashflow.v2i2.519

Abstract

From time to time, the dynamics of business competition in the development of the world of information technology which is increasingly advanced and fast has affected a large part of society, from the simple to the modern and fast, thereby affecting information behavior in all fields, including education, health, entertainment, social resources, information, work, business and communication without space and time limits, the need for faster and cheaper information certainly requires online media from information providers, where information consumers can easily and quickly obtain the information presented. This research was conducted to find out everything related to the internet and e-commerce. This research method uses primary and secondary data from books, social media and websites. From the findings of this study, there are weaknesses in human resources in terms of e-commerce knowledge, so they cannot make full use of e-commerce.
Co-Authors Ayu Annisa Fikra Muhammad Habibi Siregar Rahmi Syahriza Sri Suci Ayu Sundari Yona Fitri Yunda Adisa