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All Journal International Journal Software Engineering and Computer Science (IJSECS) Jurnal Teknologi dan Manajemen Industri Terapan
Tri Suratno
Jambi University
Computer Science & IT Control & Systems Engineering Decision Sciences, Operations Research & Management Engineering Industrial & Manufacturing Engineering

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User Trust, Security, and Data Privacy Awareness in GoPay Usage Using Protection Motivation Theory (PMT) Diva Ayu Gitareswara; Tri Suratno; Dewi Lestari
International Journal Software Engineering and Computer Science (IJSECS) Vol. 5 No. 2 (2025): AUGUST 2025
Publisher : Lembaga Komunitas Informasi Teknologi Aceh (KITA)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35870/ijsecs.v5i2.4518

Abstract

The widespread adoption of GoPay in Indonesia has raised significant questions about user data privacy and security, dimensions frequently overlooked by traditional utility-focused adoption models such as TAM and UTAUT. This research addresses that gap by applying Protection Motivation Theory (PMT) to examine the psychological drivers behind GoPay usage intention. Through a quantitative national survey of 105 active users analyzed via PLS-SEM, the model explained 69.3% of variance in behavioral intention (R²=0.693). Results show that privacy concern, perceived severity, perceived vulnerability, response cost, response efficacy, and trust significantly and positively influence usage intention. In contrast, security features and user self-efficacy were not significant drivers. The findings demonstrate that users' behavioral intentions are more strongly influenced by their evaluation of potential threats and confidence in the service provider's protective capabilities rather than technical security features or personal competence alone. The study advances understanding of digital payment adoption by revealing that psychological threat assessment processes, rather than technical security perceptions, primarily drive user decisions. GoPay users prioritize the platform's ability to protect them over their own technical skills or general security features. These findings offer practical implications for digital wallet providers seeking to enhance user adoption through targeted trust-building strategies rather than solely focusing on technical security improvements.
Kualitas Layanan dan Inovasi Layanan Terhadap Kepuasan Pengguna Pada Aplikasi Dana Karomatun Nisak; Tri Suratno; Muhammad Razi
Jurnal Teknologi dan Manajemen Industri Terapan Vol. 4 No. 3 (2025): Jurnal Teknologi dan Manajemen Industri Terapan
Publisher : Yayasan Inovasi Kemajuan Intelektual

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55826/jtmit.v4i3.796

Abstract

Perkembangan teknologi digital telah mendorong masyarakat untuk beralih ke system pembayaran non-tunai, salah satunya melalui penggunaan dompet digital seperti aplikasi DANA. Penelitian ini bertujuan untuk menganalisis pengaruh kualitas layanan dan inovasi layanan terhadap kepuasan pengguna aplikasi DANA dengan menggunakan metode Service Quality (ServQual). Metode ini mengukur kesenjangan antara harapan dan persepsi pengguna berdasarkan lima dimensi: tangibles, reability, responsiveness, assurance, dan empathy, serta menambahkan variable inovasi layanan sebagai faktor pendukung. Penelitian ini dilakukan dengan pendekatan juantitatif melalui penyebaran kuesioner kepada 290 mahasiswa Universitas Jambi sebagai responden. Analisis data dilakukan menggunakan software SmarPLS untuk menguji validitas, reabilitas, dan hubungan antar variable. Hasil penelitian ini menunjukkan bahwa semua dimensi ServQual serta inovasi layanan memiliki pengaruh positif dan signifikan terhadap kepuasan pengguna.
Co-Authors Dewi Lestari Diva Ayu Gitareswara Karomatun Nisak Muhammad Razi