Determining Factors in Producer and Consumer Decisions to Use Digital Transaction

Ni Nyoman Aryaningsih (), I Made Bagiada, Jeni Susanti and Ni Nengah Lasmini
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Ni Nyoman Aryaningsih: Politeknik Negeri Bali, Accounting Department
I Made Bagiada: Politeknik Negeri Bali, Accounting Department
Jeni Susanti: Politeknik Negeri Bali, Accounting Department
Ni Nengah Lasmini: Politeknik Negeri Bali, Accounting Department

A chapter in Proceedings of the International Conference on Sustainable Green Tourism Applied Science - Social Applied Science 2024 (ICoSTAS-SAS 2024), 2024, pp 305-315 from Springer

Abstract: Abstract Systems Technological developments have changed individual behavior in carrying out economic activities. This behavior change occurs in the use of technology in carrying out transactions. The use of digital transactions is very popular among economic actors. This research aims to determine the determining factors for producers’ and consumers’ decisions in using digital payment systems. The data collection method uses a questionnaire. The research sample was 100 respondents from business actors and the public who use digital transactions. The research analysis technique uses MICMACTOR analysis. The research results show that the determining factors in choosing to use a digital transaction system include ease and status of transactions, fast display of transaction proof, smooth transactions, network connections, and transaction balances are known quickly. Furthermore, the intensity of digital transactions is mostly used, starting from SMS banking, internet banking, mobile banking, and e-wallet. It is hoped that the recommendations from this research will require a digital transaction risk study carried out by all economic actors as an important contribution to improving the national economy.

Keywords: Consumer; Decision; Digital Transaction Systems; Producer (search for similar items in EconPapers)
Date: 2024
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DOI: 10.2991/978-94-6463-622-2_34

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