Available online at JIME website: https://journal.
id/index.
php/jime/ User Experience.
Ease of Transactions, and Consumers Trust Towards Decisions Use of the Fund Application (Study of Dana Application Users in Central Jakart.
Imelda Aprileny1*.
Afdhal Alifian2.
Jayanti Apri3 Program Studi Manajemen.
Sekolah Tinggi Ilmu Ekonomi Indonesia Jakarta.
Jakarta.
Indonesia12 Program Studi Teknik Informatika.
Universitas Persada Indonesia.
Salemba Jakarta.
Indonesia3 Received: 12th February 2024.
Revised: 12th February 2024.
Accepted: 10th June 2024.
Available online: 26th June 2024.
Published regularly: June 2024 Abstract This study aims to find out how much user experience, ease of transactions and consumer trust influence on use decisions.
This is a quantitative research with a descriptive approach.
The population of this study is all Dana application users in Central Jakarta.
The sample of this study is a random sample, where samples are taken from randomly with 50 respondents with criteria of residing in the Central Jakarta area and having used the Dana application for more than 3 months.
The results of the study showed that the following variables: .
User Experience had a positive effect on User Decision.
Ease of Transaction has a positive effect on the User's Decision.
Consumer trust has a positive effect on User Decisions.
User Experience, ease of transaction and consumer trust have a combined effect on the User's Decision.
Keyword: User Experience.
Ease of Transactions.
Consumer Trust.
Usage Decisions.
*) Corresponding Author Email: iaprileny@gmail.
com (Imelda Aprilen.
Jurnal Ilmu Manajemen dan Ekonomika.
Vol.
No.
2 June 2024:87-100 Abstrak Penelitian ini bertujuan untuk mengetahui seberapa besar pengaruh pengalaman pengguna, kemudahan transaksi dan kepercayaan konsumen terhadap keputusan penggunaan.
Penelitian ini adalah penelitian kuantitatif dengan pendekatan deskriptif.
Populasi dari penelitian ini adalah seluruh pengguna aplikasi Dana di Jakarta Pusat.
Sampel penelitian ini adalah sampel random, dimana pengambilan sampel dari secara acak dengan 50 responden dengan kriteria bertempat tinggal di wilayah Jakarta Pusat dan sudah menggunakan aplikasi Dana selama lebih dari 3 bulan.
Hasil penelitian menunjukkan bahwa variabel: .
Pengalaman Pengguna berpengaruh positif terhadap Keputusan Pengguna.
Kemudahan Transaksi berpengaruh positif terhadap Keputusan Pengguna .
Kepercayaan Konsumen berpengaruh positif terhadap Keputusan Pengguna.
Pengalaman Pengguna, kemudahan transaksi dan kepercayaan konsumen berpengaruh secara bersama terhadap Keputusan Pengguna.
Kata Kunci: Pengalaman Pengguna.
Kemudahan Transaksi.
Kepercayaan Konsumen.
Keputusan Penggunaan.
INTRODUCTION
Indonesia referring to Bank Indonesia (BI) data, the In the economic development that is already in number of electronic money in circulation continues the current digital era, technological developments to increase from year to year with a figure of in Indonesia are also increasingly advanced and 575,323,419 at the end of 2021 which is a far especially now they are starting to feel the presence increase from 2020 which at that time the figure was of electronic money or it can be called the value of at 432,281,380.
money stored on certain networks or cards and now DANA is one of the electronic money services it has become very popular among the public that has been operating in Indonesia, namely a because there are more and more users because it is digital wallet application created or published by PT easy to apply and also practical in using it.
Espay Debit Indonesia Koe ("EDIK") which is a Electronic money is in its heyday because a licensee and has obtained a license to be able to number of features in electronic money applications operate electronic money in Indonesia and was are very easy and the number of users who use them established on December 5, 2018 and DANA not in Indonesian society makes the application very only has a license as a digital wallet but DANA also popular and very famous very rapidly as one of the has a license such as Electronic Money, media options for electronic money payments can Money, and Digital Financial Liquidity (LKD) not only be used for online shopping but can also be which has the slogan "Change Wallet" is a clear used to pay for shopping offline.
At times like direction that DANA wants all finance in Indonesia today, the Indonesian people are beginning to be not only through cash but also through the internet aware of the existence of an easy and non-physical network with all the conveniences in it and already transaction tool and for electronic money users in supports online payments.
Send Aprileny.
Alifian.
Apri.
User Experience.
Ease ofA User ISSN: 2089-4309 .
2579-4841 .
Meanwhile, a purchase decision process includes influenced by several factors, among others, the need recognition, information search, alternative user experience of the users of the service assessment, purchase decision, and behavior after application provided and also the ease of making a purchase (Kotler & Armstrong 2014:.
application of the application provided, as well as The shift in payment patterns made by the number of discounts given also affect the consumers in buying or using services, it also transaction activities of the users of the digital changes the pattern and interest of people's wallet application.
purchases and currently purchases using digital User decisions based on user experience, wallet applications are supported by several features discounts, ease of access and showing positive in e-commerce in Indonesia and the role of the results are supported by research from (Nindy, media social.
which shows that ease of access and In marketing the digital wallet application, it has discounts can affect a purchase decision and also a big impact and can even change the mindset and research from (Nisrina, 2.
which shows that user purchase pattern of consumers because social media experience greatly influences user decisions and users are global and quickly spread to those who therefore research is conducted to provide evidence have social media because the more social media that it affects decision-making on the user.
users increase, the easier it is for companies to The decision to use the consumer is not only or always about what and how to get what the market the products or services that will be consumer wants and not about what the consumer Social media is an example of a form of wants to consume, but the user's decision is seen Computer Mediated Communication and also as a from how much trust and confidence the user has to forum for humans to socialize and also as a medium be able to run, and also apply a service application to exchange information and get information easily such as a digital wallet because the most important and practically in today's technological world.
part of a transaction is the trust between the using social media properly, it will make it easier consumer and the producer to find a transaction for someone to communicate and also be more productive in any case.
Another thing that is also related to the decision Based on the three variables of the phenomenon to use is about how, where, and in what conditions described in the background, it is shown that there the goods or services are used and also what is a relationship between user experience, ease of conditions the goods or services are purchased.
transactions, and consumer trust in the decision- In considering the decision of service application users, there are several factors that cannot be making of DANA application users in the Jakarta separated such as social cultural factors, personal Based on the background that has been factors of users, and psychological factors.
explained, the author was interested in making a Jurnal Ilmu Manajemen dan Ekonomika.
Vol.
No.
2 June 2024:87-100 study with the title "THE INFLUENCE OF of user experience on the decision to use the DANA
USER
USE,
And to find out the influence of ease of CONSUMER TRUST ON THE DECISION TO transaction on the decision to use the DANA
USE THE DANA APPLICATION"
EXPERIENCE,
EASE
As well as to find out the influence of consumer Problem Formulation trust on the decision to use the DANA application.
The formulation of the problem in this study is as Also to find out the overall influence of user experience, ease of transactions and consumer trust Does user experience affect the decision to use the on the decision to use the DANA application.
DANA application? A Figure 1 A conceptual framework is a Does the ease of transactions affect the decision to framework that relates to the variables of a study, use the DANA application? namely independent and bound variables.
Based on Does consumer trust affect the decision to use the previous research and the theoretical basis DANA application? In this study, the decision to use being Do experiences, convenience, and trust have a one of the dependent variables (Y) that are common effect on the decision to use the DANA influenced by other variables, the researcher chose User Experience.
Ease of Transactions, and Consumer Trust as Independent (X) because it is to Research Objectives know and ensure that there is a relationship between The objectives of the research to be achieved in this study are as follows: To determine the influence User Experience Ease of Transaction Consumer Trust Usage Decision Figure 1.
Conceptual Framework (Source : Premier Data processed, 2.
Aprileny.
Alifian.
Apri.
User Experience.
Ease ofA ISSN: 2089-4309 .
2579-4841 .
HYPOTHESIS DEVELOPMENT analysis method used is descriptive statistics with The hypothesis taken and temporarily suspected:
the SPSS 27 software application.
The testing of H1: It is suspected that User Experience has a research instruments uses validity and reliability positive effect on the Decision of DANA As for quantitative statistics, regression Application Users.
H2: It is suspected that the Ease of Transaction has determination coefficient analysis and hypothesis a positive effect on the Decision of DANA testing are used.
Application Users.
H3: It is suspected that Consumer Trust has a RESEARCH RESULTS positive effect on the decision of DANA Descriptive Analysis Test Application Users.
Validity Test H4: It is suspected that user experience, ease of In a study by testing the validity of the research transactions, and consumer trust have a joint effect data, the data can be said to be free from problems on the DANA Application User Decision.
or imperfections in a study.
to test the validity of a data, you can see and analyze the data by looking at RESEARCH METHODS the numbers from the Pearson correlation which The target population is fund application users will be a reference to declare the data valid.
Validity who have been using it for at least 3 months located test results.
And to be able to find out that the data in Central Jakarta and the number cannot be known is declared valid and invalid seen from the r table, for sure and it is assumed that there are many users.
the r table of 0.
279 which comes from the r product While the research sample in sampling researchers moment value table and the significant level used in use random sampling The reason for using this this study is 5%.
purposive sampling technique is because it is From the information obtained, the data in the suitable for use for quantitative research, or studies study was declared valid or correct if the r value was that do not generalize according to Sugiyono, .
calculated > r table with a significant value level of 5% or 0.
In the results that have been obtained.
In this study, there are criteria for respondents it can be concluded that the questionnaire data with the aim of being able to get the appropriate distributed and filled in by the respondents is results in the research so as to obtain valid data and declared valid.
in accordance with the following criteria: .
showed that the questionnaire on the user Respondents are located in the Central Jakarta area experience variable was declared valid, as well as .
Have used the DANA application for at least 3 the ease of transaction was declared valid, and consumer trust was declared valid as well as the The number of samples used in this study is 50 The results of the validity test decision to use.
respondents who use the DANA application.
The Jurnal Ilmu Manajemen dan Ekonomika.
Vol.
No.
2 June 2024:87-100 Reliability Test Determination Coefficient Analysis After completing the validity test of the data that The influence of User Experience.
Ease of has been declared valid, the next step is for the Transactions, and Consumer Trust on the Decision researcher to continue with the data reliability test to Use the Dana Application is indicated by the to be able to measure whether or not it is consistent determination coefficient (R.
The determination in the results of the questionnaire to see this, then coefficient (R.
can show the proportion or the researcher must look at the value of Cronbach percentage of a total variation in the Y variable Alpha .
which can be explained in the independent variables Then the variable will be said to be reliable if the X1.
X2.
X3.
value of Cronbach Alpha > 0.
6 as a result of the reliability test can be seen in table 1.
which are Partial Determinant Coefficient Based on Table 3.
above the calculation of the From the results of table 1.
It can be concluded and seen that all variables of User Experience.
Ease partial determination coefficient of User Experience to the Decision to Use is:
of Transaction.
Consumer Trust and Usage KDP1: .
A x 100% = .
A x 100% Decision are all consistent or reliable, and with = 0.
505 x 100% = 50.
these results it can be stated that the value of all This can show that the partial determination Cronbach Alpha has a value above or greater than a coefficient is 0.
505 which means that the influence value of 0.
of User Experience on the Usage Decision is 50.
Table 1.
Reliability Test Results Variable User experience Ease of Transaction Consumer Trust Usage Decision Cronbach Alpha Keterangan Reliable Reliable Reliable Reliable Multiple Regression Analysis (Simultaneou.
Table 2.
Simultaneous Regression Results Variable Constant User experience Ease of Transaction Consumer Trust Coefficient Sig Y = 1.
349X1 0.
342X2 0.
Aprileny.
Alifian.
Apri.
User Experience.
Ease ofA ISSN: 2089-4309 .
2579-4841 .
Table 3.
The Partial Determination Coefficient of User Experience on Usage Decisions Correlations Pearson Correlation Sig.
-taile.
Source: Primary Data Processed, 2022 Table 4.
The coefficient of partial determination of ease of transaction to the decision to use Correlations Pearson Correlation Y Sig.
-taile.
Sumber: Data Primer Diolah, 2022 Table 5.
Coefficient of Partial Determination of Consumer Confidence in Use Decisions Corelations Pearson Correlation Y Sig.
-taile.
Sumber : Data Primer Diolah, 2022 Table 6.
Simultaneous Determination Coefficient Based on Table 4.
above the calculation of the This can show that the partial determination partial determination coefficient of Ease of coefficient is 0.
216 which means that the influence Transaction Towards the Decision to Use is:
of Ease of Transaction on the Decision to Use is KDP2: .
A x 100% = .
A x 100% = 0.
216 x 100% = 21.
Based on Table 5.
Above the calculation of the Jurnal Ilmu Manajemen dan Ekonomika.
Vol.
No.
2 June 2024:87-100 partial determination coefficient of consumer Effect of Ease of Transaction (X.
on User confidence in the Decision to Use is:
Decision (Y) Test Results > T table, which KDP3: .
A x 100% = .
A x 100% = 0.
466 x 100% = 46.
H0: 2 O 0.
Ease of Transaction has no effect This can show that the partial determination on the decision to use the fund application.
coefficient is 0.
466 which means that the influence Ha: 2 = 0.
Ease of Transaction affects the of Consumer Trust on the Decision to Use is 46.
decision to use the fund application.
This result is also shown a significance value of Simultaneous Determinant Coefficient This means that the significance value KDB: (RA) x 100% = 0.
545 x 100% = 54.
of the transaction ease variable is 0.
This 05, then H0 is rejected, and Ha is accepted.
determination coefficient is 0.
545 which means that This means that Ease of Transaction has a positive and significant effect on the decision transactions, and consumer trust together on the use to use the DANA application.
decision is 54.
5% and the influence of other variable The Effect of Consumer Trust (X.
on User factors outside this study on the use decision is Decision (Y) Test Results > T table, where:
H0: 3 O 0.
Consumer Trust has no effect on the decision to use the fund application.
Ha: 3 = 0.
Consumer Confidence affects the Hypothesis Testing The following are the results of the T Test Based decision to use the fund application.
on table 2.
Among others:
This result is also shown a significance value The influence of user experience (X.
on User This means that the significance Decision (Y) due to the T Test Results > T value of the consumer confidence variable is table, where:
001 < 0.
05, then H0 is rejected, and Ha is H0: 1 O 0.
User Experience has no effect on This means that Consumer Trust the decision to use the fund application.
has a positive and significant effect on the Ha: 1 = 0.
User Experience affects the decision to use the DANA application.
decision to use the fund application.
This result also shown a significance value of Results of Simultaneous Hypothesis Testing This means that the significance value (Test F) of the user experience variable is 0.
035 < 0.
then H0 is rejected, and Ha is accepted.
This independent variables on the dependence in this means that user experience has a positive and study, it is necessary to use the f test simultaneously significant effect on the decision to use the or together.
DANA application.
H0: 1, 2, 3 = 0.
User Experience.
Ease of Aprileny.
Alifian.
Apri.
User Experience.
Ease ofA ISSN: 2089-4309 .
2579-4841 .
Transaction and Consumer Trust have no effect on In the results obtained using SPSS, the results the decision to use the DANA application.
can be seen and shown that the user experience Ha: 1, 2, 3 O 0.
User Experience.
Ease of has a positive effect on the decision to use with Transaction and Consumer Trust affect the decision the results obtained that there is a tested value of to use the DANA application.
035 less than 0.
05 with a calculated t value of The sign probability value is 0.
000 < 0.
169 which is greater than 2.
012 which is on the which means that H0 is accepted, and Ha is rejected, basis of the existing decision if the gis value is and it can be concluded that X1 (User Experienc.
, less than 0.
05 and the calculated t value is greater X2 (Ease of Transactio.
, and X3 (Consumer Trus.
than the t value of the table with So, the user have a significant effect on Y (Decision to Use the experience variable has a positive and significant DANA Applicatio.
effect on the use decision variable from the discussion that has been researched, it is DISCUSSION
AND
MANAGERIAL
concluded that H0 is rejected or Ha is accepted IMPLICATIONS and in this study it is proven that Ha (H.
is In this section, all discussions that have been accepted, namely user experience affects the use discussed and tested using the latest SPSS version 27 will be explained.
The results that will be The Effect of Ease of Transaction on Usage described are the influence of independent variables Decisions on dependent variables both partially (Separat.
and In the results obtained using SPSS, the results simultaneously (Togethe.
between the variables can be seen that the ease of transaction has a User Experience.
Ease of Transactions.
Consumer positive effect on the decision to use with the Trust on the independent variables of Use Decisions results obtained that there is a tested value of with case studies on Fund Application Users in 004 smaller than 0.
05 with a calculated t value Central Jakarta, with the following results:
034 which is greater than 2.
012 which on the The Influence of User Experience on Usage basis of the existing decision if the gis value is Decisions less than 0.
05 and the calculated t value is greater Table 8.
Results of Test Score F simultaneously ANOVA Model Sum of Squares Regressi 321.
Mean Square Sig.
Residual Total Dependent Variable: Y Predictors: (Constan.
X3.
X2.
X1 Jurnal Ilmu Manajemen dan Ekonomika.
Vol.
No.
2 June 2024:87-100 than the table t value then the variable of ease of Number 2.
February 2017 e-ISSN: 2461-0593 transaction has a positive and significant effect where in the study it was concluded, and the on the variable of the use decision from the results were obtained that consumer confidence discussion that has been researched, it is has a positive effect on the decision to use and concluded that H0 is rejected, or Ha is accepted however does not affect the purchase and the and in this study it is proven that Ha (H.
is results of this study are relevant to the previous accepted, namely the ease of transaction affects the decision to use.
And from the results of the The influence of user experience, ease of previous research by Arsita Ika Adiyanti in 2015 transactions, consumer trust on use decisions where in the study it was concluded and obtained .
the results that the ease of transactions has a The results obtained from the f test that has been positive effect on the decision to use and tested by the researcher using SPSS are the however does not affect the purchase and the influence between variables such as user results of this research are different from the experience variables, ease of transactions, previous research.
consumer trust in the decision to use in the study The Influence of Consumer Trust on Usage of fund application users in Central Jakarta Decisions where the data obtained from the f test In the results obtained using SPSS, the results .
for the value obtained.
The can be seen that consumer confidence has a value of the f calculation is greater than the f positive effect on the decision to use with the On the basis of decision-making, it is results obtained that there is a tested value of stated that if the significant value is less than 0.
001 less than 0.
05 with a calculated t value of and the value of f calculation is greater than f 503 which is greater than 2.
012 where on the table, then the independent variable has a basis of the existing decision if the sig value is positive and significant effect on the decision to less than 0.
05 and the calculated t value is greater The hypothesis obtained is that H0 is than the table t value then the variable Consumer rejected, or Ha (H.
is accepted, it is proven that confidence has a positive and significant effect the variables of user experience, ease of on the variables of use decisions from the transaction and consumer trust affect the discussion that has been researched, it is decision to use.
concluded that H0 is rejected or Ha is accepted The influence between user experience, ease of and in this study it is proven that Ha (H.
is transactions and consumer trust in this study is accepted, namely consumer trust affects the use 3% on user decisions.
The remaining 42.
7% was And from the results of the previous influenced by other independent variables outside of research by Inas Rafidah and Djawoto Volume 6, this study.
The results are in line with the results obtained from the previous research conducted by Aprileny.
Alifian.
Apri.
User Experience.
Ease ofA ISSN: 2089-4309 .
2579-4841 .
Inas Rafidah and Djawoto Volume 6.
Number 2, focusing on the ease of applying the DANA February 2017 e-ISSN: 2461-0593 stated that user application where the easier it is to understand, experience, ease of transactions and consumer trust the more consumers will also use the DANA have a simultaneous effect on the decision to use which the results found are the same as this study.
To be able to create consumer trust, the researcher suggests for the next research so that the quality Conclusion of transaction services provided by the DANA Based on the data and results that have been Application is more added and given more obtained that:
understanding because based on the results of User experience has a positive and significant this study, it is a question that must be focused influence on the decision to use the DANA on in order to be able to add value to consumer The ease of transactions has a positive and To be able to make a decision to use the significant influence on the decision to use the researcher, the researcher suggests that in the DANA application.
next study the decision to use in terms of Consumer trust has a positive and significant choosing an application based on features add influence on the decision to use the DANA some more specific questions about it because it will affect the results of the research.
User experience, ease of transactions, and consumer trust have a positive and significant effect on the decision variables of DANA application users.
Limitations Limitations of Research and Development of Further Research In doing and researching this research, it has been carried out as much as possible Suggestion with the aim of obtaining results that can be Suggestions in this study, so as a consideration in influential and the researcher has done it in the upcoming research, the researcher tries to accordance with what is in the existing requirements and procedures, but it is possible that there are still shortcomings and limitations when conducting this To be able to add a user experience, the researcher research, including the following:
suggests that it is necessary to focus on each The existing time limitation is a limitation in the variable which must add experience and payment second study in this study because it takes a long things that are more practical and affordable so time to fill out the questionnaire because there that it will add to the user experience.
To be able to make it easier to use the DANA application, the researcher suggests adding and respondents so that they cannot force to be able to fill in at the same time.
Jurnal Ilmu Manajemen dan Ekonomika.
Vol.
No.
2 June 2024:87-100 The sample used was only 50 respondents which Handayani.
, & Zelika.
Pengaruh can be said to be not too many due to the limited Customer Experience terhadap Purchase Intention pada KFC Semarang.
Seminar Nasional (Industrial Engineering National The variables used as indicators have been used Conferenc.
for a long time, but these indicators can or will Hermawan.
Komunikasi Pemasaran.
(A.
be able to influence the decision to use them.
Maulana.
Ed.
Jakarta: Gelora Aksara.
is recommended that the next researcher add Kartajaya.
Hermawan, 2017.
Kartajaya on Selling influential factors Seri 9 Elemen Marketing.
Bandung: Penerbit Mizan Pustaka.
Kottler.
Phillip dan Kevin Lane Keller.
REFERENCE