THE INFLUENCE OF INCOME, EASE OF USE AND CONSUMER BEHAVIOR TOWARDS THE INTENTION TO USE ELECTRONIC MONEY OF THE STUDENT IN PRESIDENT UNIVERSITY

Abstract

Electronic money is one of the good moves in the payment system in Indonesia. All the activities are electronically conducted and this enables the direct record in the transaction. There are some people that still not using electronic money, they trust physical money rather than electronic money. The decision making in the electronic money use is affected by several factors. This research objective is to analyze the influence of Income, Ease of Use and Consumer Behavior towards Intention to use Electronic money of the student in President University. This research is using Quantitative Method and primary data based on the questionnaire distributed to the student in President University. The number of respondent in this research is 150 students who already using electronic money. The analysis of this research is using multiple regression analysis, with a significant level of α (0.5), the result of multiple regression analysis shows that Income have no significant influence toward Intention to Use Electronic Money, Ease of Use have significant influence toward Intention to Use Electronic Money and Consumer Behavior have significant influence toward Intention to Use Electronic Money. The adjusted R2 is 0.600 (60%), which means three independent variables are influencing on Intention to Use Electronic Money, while the rest percentage, which is 40% is influenced by other factors.