JURNAL ECONOMINA
Vol. 5 No. 9 (2026): JURNAL ECONOMINA, September 2026

The Construction of Trust and Perceptions of Security in Payment Transactions on Shopee and Their Implications for Consumer Purchase Decisions

Intan Leskantari (Universitas Muhammadiyah Mataram, Indonesia)
Muhammad Naim (Universitas Muhammadiyah Mataram, Indonesia)



Article Info

Publish Date
30 Sep 2026

Abstract

The growth of the e-commerce industry in Indonesia has fueled intense competition among platforms, one of which is Shopee. This study aims to analyze the influence of Trust (X1) and Perceived Security (X2) both parsial and simultan on Consumer Purchase Decisions (Y) on Shopee. The method used in this study is a quantitative approach employing an explanatory survey method. Data were collected through an online questionnaire via Google Forms using a 5-point Likert scale from 174 respondents who are active Shopee users in Mataram City, selected using purposive sampling. The data analysis techniques applied included descriptive analysis, classical assumption tests, multiple linear regression, and hypothesis testing (t-test and F-test) using Smart-PLS 4 software. The results of the study indicate that Trust (X1) has a partial, positive, and significant effect on Purchase Decision (Y), with a coefficient of 0.402 and a t-value of 3.852. Furthermore, Perceived Safety (X2) was also found to have a positive and significant partial effect on Purchase Decision (Y) with a coefficient of 0.520 and a t-value of 4.855, making it the most dominant factor influencing consumer decisions. Simultaneously, the F-test confirmed that Trust and Perceived Safety together have a significant effect on Purchase Decision, with an F-value of 142.451. The adjusted R-squared value of 0.621 indicates that these two independent variables account for 62.1% of the variability in Shopee consumers’ purchasing decisions in Mataram City, while the remaining 37.9% is influenced by other factors outside the scope of this study.

Copyrights © 2026






Journal Info

Abbrev

economina

Publisher

Subject

Economics, Econometrics & Finance

Description

JURNAL ECONOMINA (JE) is a peer-reviewed journal which publishes original research papers. ECONOMINA has been published since 2022. It is currently published every month a year with e-ISSN: 2963-1181. The Digital Object Identifier (DOI) is assigned to each published article and the journal is ...