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All Journal Global Advances in Business Studies
Tamin, Masran
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Economics, Econometrics & Finance

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The effect of the perception of financial risk on intention to use digital payment platforms Longgy, Dodhy Hyronimus Ama; Alrawahna, Ammar; Tamin, Masran; Awotkay, Apolinaris Sapuk; Siamsa, Simon
Global Advances in Business Studies Vol. 3 No. 2 (2024): Global Advances in Business Studies (GABS)
Publisher : Ifma Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55584/Gabs003.02.1

Abstract

The aims of this research are to identify the factors shaping consumers' financial risk perceptions regarding the use of digital payment platforms and to analyze the relationship between financial risk perceptions and consumers' intentions to use digital payment platforms in Merauke Regency. This study employs a qualitative approach. The subjects consist of consumers who currently use or are potential users of digital payment platforms, local business actors offering digital payment options to consumers, and local economic observers or experts familiar with the economic and cultural contexts of Merauke Regency. Thematic analysis is used to identify the main themes from data collected through interviews and observations, supplemented by narrative analysis to construct the stories and experiences of the research subjects. The findings indicate that financial risk perceptions, particularly concerns about financial loss and fraud, remain significant barriers to the widespread adoption of digital payment platforms in Merauke Regency. The study also highlights that consumers’ intentions to use digital payment platforms are influenced by their financial risk perceptions and awareness of practical benefits, which can be strengthened through educational efforts and increased financial literacy.
The hedonic shopping and impulse buying: understanding customer motivation in the e-commerce era Syah, Dika Argian; Istiqomah, Anisah; Al Haqqi, Hanip Munib; Aurelia, Cut Farah Selene; Tamin, Masran
Global Advances in Business Studies Vol. 4 No. 2 (2025): Global Advances in Business Studies (GABS)
Publisher : Ifma Publishing

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Abstract

This study examines the influence of hedonic shopping, shopping lifestyle, and shopping motivation on impulse purchases among e-commerce consumers in Indonesia. With the rapid growth of Indonesia's e-commerce market, it is important to understand the psychological factors that drive consumer behavior. This study uses a descriptive quantitative approach by distributing questionnaires to 112 respondents who are e-commerce users. Independent variables are hedonic shopping and shopping lifestyle, the dependent variable is impulse buying, and the moderating variable is shopping motivation. The results show that hedonic shopping and shopping motivation significantly and positively affect impulse purchases, while shopping lifestyle does not. Furthermore, shopping motivation cannot moderate the relationship between hedonic shopping and shopping lifestyle on impulse purchases. These findings underscore the importance of emotional experience and internal motivation in driving impulse purchases in e-commerce environments.
Co-Authors Al Haqqi, Hanip Munib Alrawahna, Ammar Aurelia, Cut Farah Selene Awotkay, Apolinaris Sapuk Dodhy Hyronimus Ama Longgy Istiqomah, Anisah Siamsa, Simon Syah, Dika Argian