<![CDATA[This study aims to analyze the factors that influence the intention to use. The independent variables studied include Perceived Security, Perceived Ease of Use, and Perceived Cost, with Intention to Use as the dependent variable. The results of the regression test show that this research model is statistically significant with an F value of 8064.990 (p < 0.001). Partially, the results of the t-test show that Perceived Security (t = -6.772; p = 0.000), Perceived Ease of Use (t = 32.159; p = 0.000), and Perceived Cost (t = -7.497; p = 0.000) significantly influence Intention to Use. Perceived Security and Perceived Cost have a negative influence on Intention to Use, while Perceived Ease of Use has a positive influence. These findings indicate that user perceptions of security, convenience, and cost are crucial factors in shaping their interest in using a system or service, this makes people experience behavioral changes in carrying out their daily lives which are usually conventional, switching to digital marketing, searching for information to buying and selling transactions being carried out online.]]>
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