The effect of social influence, perceived security, and perceived risk on behavioral intention toward electronic payments

Abstract

This study aims to analyze how social influence, perceived security, and perceived COVID-19 risk variables have an impact on behavioral intention in the electronic payment new normal era in Padang City. This research is quantitative research with a population of electronic payment users during the new normal era in Padang City. This study involved 100 samples drawn using the purposive sampling method with the criteria of the Padang City Community and using an electronic payment system. The results of this study indicate that Perceived COVID-19 risks have a positive and significant effect on behavioral intention in the new normal era in Padang City. Perceived security has a positive and significant effect on Behavioral Intention in the New Normal Era in Padang City. Social influence has a positive and significant effect on behavioral intention in the new normal era in Padang City. This research recommends that the company increase user convenience, convince consumers that by using electronic payment instruments consumers will avoid the possible impacts of Covid 19 and other virus risks, and create trust for consumers so that they can influence other consumers. Companies can try to do this by increasing security and protecting consumers as discussed in the previous variables.