Analisis Kepercayaan Pengguna Paylater pada Shopee dan Tokopedia
Abstract
This research aims to find out how customer trust in using paylaters is described and what factors customers consider when using Shopee and Tokopedia paylaters, where a survey was conducted among students at the Faculty of Economics, Jakarta State University. The resource persons for this research were 10 students from the Faculty of Economics, Jakarta State University using the direct interview method. This research uses data collection techniques in the form of observation, interviews and documentation. This research uses data analysis techniques with data reduction, data presentation, and drawing conclusions. The results of the research found that there were four descriptions of user confidence in using paylater among students at Jakarta State University. These four images are company credibility, company integrity, company good intentions, and how the company can solve problems. Factors considered by paylater users are security, reputation, compliance with laws and regulations, and competence. It is hoped that this study can be used by companies as a basis for developing marketing and sales strategies through user trust.
References
Aitah, M. A. A., & Al-hashem, A. O. (2019). The Role of E-Trust in Achieving E-Loyalty : an Exploratory Study on Jordanian Customers Using Shopping Hopping Websites. Journal of Theoretical and Applied Information Technology, 97(5), 1488–1499,
http://www.jatit.org/volumes/Vol97No5/8Vol97No5.pdf
Alagarsamy, S., & Mehrolia, S. (2023). Exploring Chatbot Trust : Antecedents and Behavioural Outcomes. Heliyon, 9(5), https://doi.org/10.1016/j.heliyon.2023.e16074
Bawack, R. E., Wamba, S. F., & Carillo, K. D. A. (2021). Exploring the Role of Personality, Trust, and Privacy in Customer Experience Performance During Voice Shopping: Evidence from SEM and Fuzzy Set Qualitative Comparative Analysis. International Journal of Information Management, 58(December 2020). https://doi.org/10.1016/j.ijinfomgt.2021.102309
BI. (2020). Apa Itu Uang Elektronik. Bank Indonesia. https://www.bi.go.id/id/edukasi/Pages/Apa-itu-Uang-Elektronik.aspx
Cheng, X., Su, L., & Yang, B. (2020). An Investigation into Sharing Economy Enabled Ridesharing Drivers’ Trust: A Qualitative Study. Electronic Commerce Research and Applications, 40(January), 100956. https://doi.org/10.1016/j.elerap.2020.100956
databoks.katadata.co.id. (2021). Shopee Paylater, Layanan Paylater Paling Banyak digunakan pada 2021. Databoks.Katadata.Co.Id. https://databoks.katadata.co.id/datapublish/2022/01/12/shopee-paylater -layanan-paylater -paling-banyak-digunakan-pada-2021
Dovitz & Cohen. (2022). Analisis Kepercayaan Pengguna Paylater pada Shopee dan Tokopedia. 1, 1–16.
Frederiksen, M., & Hansen, U. K. (2022). Secrets, Trust, and Transparency: Navigating between Influence and Accountability as Trusted Intermediary. Journal of Trust Research, 12(2), 99–124. https://doi.org/10.1080/21515581.2022.2121283
Iriani. (2020). Pengaruh Kepercayaan dan Kemudahaan Terhadap Keputusan Pembelian Menggunakan Pinjaman Online Shopee Paylater . Iriani. (n.d.). 8582-Article Text-27552-1-10-20200628.
Kemenkeu. (2021). Penerapan Kebijakan Virtual Account dan Budaya Cashless di Maluku Utara. Kemenkeu.Go.Id. https://www.djkn.kemenkeu.go.id/kpknl-ternate/baca-artikel/13784/Penerapan-Kebijakan-Virtual-Account-dan-Budaya-Cashless-di-Maluku-Utara.html
Mandiri, A., Yanto, E., & Metekohy, E. (2021). Pengaruh Kualitas Layanan dan Kepercayaan Terhadap Kepuasan Nasabah dalam Menggunakan BRI Mobile (Brimo). Account, 8(1), 1423–1430. https://doi.org/10.32722/acc.v8i1.3874
Mediakonsumen. (2023). Shopee SPayLater, Salah Satu Penyedia Layanan Kredit Online untuk Platform Shopee di Indonesia. Mediakonsumen. https://mediakonsumen.com/tag/shopee-paylater
Mofokeng, T. E. (2023). Heliyon Antecedents of Trust and Customer Loyalty in Online shopping : The Moderating Effects of Online shopping Experience and E-Shopping Spending. Heliyon, 9(5), e16182. https://doi.org/10.1016/j.heliyon.2023.e16182
Muchardie, B. G., Gunawan, A., & Aditya, B. (2019). E-commerce Market Segmentation Based on the Antecedents of Customer Satisfaction and Customer Retention. International Conference on Information Management and Technology (ICIMTech), 1(August), 103–108. https://ieeexplore.ieee.org/document/8843792
Mutiara, M., & Wibowo, I. (2020). Pengaruh Kepercayaan, Keamanan Dan Kualitas Produk Terhadap Keputusan Pembelian. Jurnal Manajemen Bisnis Krisnadwipayana, 8(2), 10–20. https://doi.org/10.35137/jmbk.v8i2.419
PBI. (2019). Peraturan Bank Indonesia Nomor 19. 1–27. https://www.bi.go.id/id/publikasi/peraturan/Documents/PBI_191217.pdf
Pratika, Y., Salahudin, S., Riyanto, D. W. U., & Ambarwati, T. (2021). Analysis of Pay Later Payment System on online Shopping in Indonesia. Journal of Economics, Business, & Accountancy Ventura, 23(3), 329–339. https://doi.org/10.14414/jebav.v23i3.2343
Putu, L., & Anggrayani, S. (2019). E-Trust Integration with Technology Acceptance Model (TAM) in Adoption of Digital Financial Services (E-Cash). 11(8), 71–77. https://doi.org/10.7176/EJBM
Saputri, C. N., & Rivai, A. R. (2022). Pengaruh Kemudahan Penggunaan , Sikap Konsumen dan Kepercayaan Konsumen Terhadap Niat Beli Ulang E-Wallet Shopeepay. Journal of Management & Business, 5(1), 153–163. https://doi.org/10.37531/sejaman.v5i1.1522
Sugiyono, P. D. (2022). Metode Penelitian Kuantitatif, Kualitatif dan R&D, Bandung, Alfabeta, https://elibrary.stikesghsby.ac.id/index.php?p=show_detail&id=1879&keywords=
Telkomsel. (2023). Konvergensi Telko dan Industri Finansial: Simbiosis Mutualisme yang Lahirkan Inovasi Fintech. Telkomsel.Com. https://www.telkomsel.com/about-us/blogs/konvergensi-telko-dan-industri-finansial-simbiosis-mutualisme-yang-lahirkan-inovasi
Tempo.co. (2021). Ramai Diperbincangan, Apakah Sistem Pembayaran PayLater itu? Tempo.Co. https://bisnis.tempo.co/read/1519359/ramai-diperbincangan-apakah-sistem-pembayaran-paylater -itu
Utami, A. R. H. (2020). Pengaruh Persepsi Kemudahan, Kepercayaan, Keamanan dan Persepsi Resiko Terhadap Minat Menggunakan E-Commerce. Prisma (Platform Riset Mahasiswa Akuntansi), 01, 79–93. http://ojs.stiesa.ac.id/index.php/prisma/article/view/694%0Ahttp://ojs.stiesa.ac.id/index.php/prisma/article/download/694/265
Weck, M., & Afanassieva, M. (2023). Toward the Adoption of Digital Assistive Technology : Factors Affecting Older People’s initial Trust Formation. Telecommunications Policy, 47(2), 102483. https://doi.org/10.1016/j.telpol.2022.102483
Copyright (c) 2023 Surya Rodoli Pasaribu, Agung Kresnamurti Rivai P, Rahmi Rahmi
This work is licensed under a Creative Commons Attribution 4.0 International License.
Journal of Business Application is an Open Access Journal. The authors who publish the manuscript in Journal of Business Application agree to the following terms:
Journal of Business Application is licensed under a Creative Commons Attribution 4.0 International. This permits anyone to copy, redistribute, remix, transmit and adapt the work provided the original work and source is appropriately cited.
This means:
(1) Under the CC-BY license, authors retain ownership of the copyright for their article, but authors grant others permission to use the content of publications in Journal of Business Application in whole or in part provided that the original work is properly cited. Users (redistributors) of Journal of Business Application are required to cite the original source, including the author's names, Journal of Business Application as the initial source of publication, year of publication, volume number, issue, and Digital Object Identifier (DOI); (2) Authors grant Journal of Business Application the right of first publication. Although authors remain the copyright owner
