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All Journal Al-Kharaj: Journal of Islamic Economic and Business Jurnal Investasi Islam An-Nisbah : Jurnal Perbankan Syariah Formosa Journal of Science and Technology (FJST) Indonesian Journal of Advanced Research (IJAR) Sharia Economic and Management Business Journal (SEMBJ) Journal of Finance and Islamic Banking Outline Journal of Economic Studies Jurnal At-Tanmiyah Ekonomi dan Bisnis Islam JRTI (Jurnal Riset Tindakan Indonesia)
Yusrizal
Universitas Islam Negeri Sumatera Utara
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Exploring Generation Z Perceptions Toward Digital Payment: Evidence from Indonesian University Students Risa Lidia Lidia; Yusrizal; Nurlaila
Jurnal Investasi Islam Vol. 11 No. 2 (2026): Jurnal Investasi Islam (JII)
Publisher : FEBI IAIN Langsa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32505/jii.v11i2.16078

Abstract

The development of digital payment systems has transformed transaction patterns, particularly among Generation Z, who demonstrate high adaptability to digital technology. However, research exploring how Generation Z simultaneously perceives the ease of use, usefulness, security, and risks of digital payment remains limited, particularly among students in Islamic higher education institutions. This study aims to analyze Generation Z's perceptions of digital payment use among students at Universitas Islam Negeri Sumatera Utara (UINSU) Medan, focusing on ease of use, usefulness, security, and perceived risks. A descriptive qualitative approach was employed. Data were collected through in-depth interviews with 20 purposively selected student informants who actively use digital payment systems, supported by a questionnaire administered to 100 students to identify general patterns of perception. The qualitative data were analyzed using the Miles and Huberman model, consisting of data reduction, data display, and conclusion drawing, while source triangulation was employed to strengthen data validity. The findings indicate that students generally perceive digital payment positively in terms of ease of use and usefulness because it facilitates faster, more practical, and flexible transactions. Although security features such as PINs and one-time passwords (OTPs) provide a sense of protection, students continue to express concerns regarding personal data misuse, digital fraud, and network disruptions. These findings demonstrate that positive perceptions of ease and usefulness do not completely eliminate perceived security risks. Instead, students tend to respond to these risks through precautionary behaviors while continuing to use digital payment systems. The study contributes to the digital payment literature by demonstrating that students' continued use is shaped not only by perceived ease and usefulness but also by their trust in security mechanisms and awareness of digital risks. Digital payment has therefore become an important component of students' daily transactions, although it has not completely replaced cash payments.
Co-Authors Ahmad Syakir Andri Soemitra Anugerah Fathir Alhadid Azhari Akmal Tarigan Indah Tri Sari Harahap Khaidar Rahmaini Jamila M. Ridwan Maisyah Khairani Hasibuan Maryam Batubara Muflihul Fadhil Muhammad Habibi Siregar Muhammad Ridwan Mustapa  Khamal  Rokan Nasution, Muhammad Irwan Padli Nurlaila Oktavera Rizki Rahmadani Hasibuan Rahmi Syahriza Risa Lidia Lidia Rizka Amalia Lubis Sarah Fitria Harahap Tedi Hermansyah Yola Kaspia Yona Fitri