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All Journal JEJAK
Reninta Dewi Nugraheni
Research Center for Economics of Industry, Services, and Trade, National Research and Innovation Agency (BRIN), Jakarta
Economics, Econometrics & Finance

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Cashless Society: Cluster Analysis of Electronic Payment Users in E-Commerce Shiddiq Sugiono; Reninta Dewi Nugraheni
JEJAK: Jurnal Ekonomi dan Kebijakan Vol 16, No 2 (2023): September 2023
Publisher : Universitas Negeri Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15294/jejak.v16i2.42451

Abstract

Due to its ability to allow multiple electronic transactions, e-commerce is one of the ecosystems that helps to create a cashless society. In order to have a general understanding of the development of the cashless society, it is necessary to investigate the characteristics of behavior that underpin cashless transactions in e-commerce in Indonesia. The goal of this study is to examine the characteristics of cashless payment method consumers in Indonesian e-commerce. K-Medoids analysis was used to classify the survey's 519 participants into various groups. The research shows that it is most appropriate to divide users of cashless payments in e-commerce into three groups. Generation Z who are employed are the primary features of the first group. The second is older Millennial Generation cluster characterized by older males in supervisory roles and higher expenses than other groups. The findings also indicate that Generation Z Early Adopters, third cluster, has begun adopting electronic transactions for security purposes. Additionally, each group agreed to adopt electronic transactions for easy of use reasons.
Co-Authors Shiddiq Sugiono