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Abstract
This research explores the impact of perceived usefulness (PU), perceived ease of use (PEOU), attitude toward using (ATU), and behavioral intention to use (BI) on the decisions made by FEBI UINSU students in utilizing e-money, debit cards, and paylater services. The study population consisted of all active FEBI students enrolled at the State Islamic University of North Sumatra, totaling 4,523 individuals. A sample of 44 students was selected for the study. Employing a quantitative approach, data were collected using a Likert scale, and analyzed through the IBM SPSS Statistics 25 software. The findings revealed that each independent variable, both individually and collectively, had a significant influence on student decision-making. These results suggest that students’ perceptions of usefulness, ease of use, attitudes, and intentions toward financial technology are key factors in shaping their transaction decisions in the context of the Industrial Revolution 4.0.
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References
- Akmal, Pradana, and Pratama Dimas. 2022. “The Effect of Debit Card and Electronic Money (E-Money) Usage on Student Consumption Expenditure.” Journal of Economics and Development Economics Studies 2. doi:10.17977/um002v8i12016p001.
- Anisa, Siti Dea, and Cepi Saepuloh. 2024. “The Influence of Paylater Use on Consumer Behavior in the Gen Z Era (Case Study in the Cipatik Village Community).” FRIMA (7): 501–9.
- Atika.2020.Islamic Microeconomics.Medan:FEBI UIN-SU Press.
- Basuki, Agus Tri, and Imamudin Yuliadi. 2015. Electronic Data Processing (SPSS 15 and EVIEWS 7). Yogyakarta: Danisa Media.
- Bilal Abdillah Rasyid, Muhammad, and A'rasy Fahrullah. 2022. “The Effect of Debit Card and E-Money Use on Consumer Behavior.” Saburai Journal of Management Science (JIMS) 8(2): 111–22. doi:10.24967/jmb.v8i2.1708.
- Hasanah, N., Anggraini, T., & Harahap, R.D. (2022). The Influence of Lifestyle, Social Media, and Social Environment on Consumption Behavior During the Pandemic According to Islamic Economics: MES Management Journal, 2(1), 1–13. https://doi.org/10.56709/mesman.v2i1.36
- Hayani, Nur Syamsidah, Tri Inda, Fadhila Rahma, and Juliana Nasution. 2024. “The Influence of Brand Trust and Brand Image on Customer Loyalty in Using Life Insurance at Ajb Bumiputera 1912 Medan.” 5(3): 1175–87.
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- Masito Hsb and Muhammad Arif. (2022). FACTORS INFLUENCING STUDENTS' DECISIONS TO BECOME PAYTREN PARTNERS (CASE STUDY OF ISLAMIC ECONOMICS DEPARTMENT STUDENTS, FEBI UIN NORTH SUMATERA). El-Mal, 3(4), 765–779.
- Muhammad Syahbudi, SEI, Barus, EE, & Barus, DS (2023). Textbook: Islamic Economic Research Methodology. Merdeka Kreasi Group.
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- Nainggolan, Hermin. 2022. “The Influence of Financial Literacy, Self-Control, and E-Money Use on the Consumptive Behavior of Production Workers at PT Pertamina Balikpapan.” Jesya (Journal of Economics & Sharia Economics) 5(1): 810–26. doi:10.36778/jesya.v5i1.574.
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- Santoso, Sanggih. 2018. Mastering Statistics with SPSS 25. Jakarta: PT. Elex Media Komputindo.
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- Siregar, Helly Aroza, and Pujiono Pujiono. 2021. “Analysis of the Influence of Operational Efficiency and Financing Risk on the Contribution of MSMEs to the Economy and Its Impact on the Profitability of BPRs in Indonesia.” Procuratio: Scientific Journal of Management 9(4): 393–404. doi:10.35145/procuratio.v9i4.1642.
- Stephen, Albert. 2018. Albert Stephen as 1112046100047.
- Widayat, Widayat, Ilyas Masudin, and Novita Ratna Satiti. 2020. “E-Money Payment: Customers' Adopting Factors and the Implications for Open Innovation.” Journal of Open Innovation: Technology, Markets, and Complexity Article 6(57): 1–14.
- Yahya, Adibah. 2021. “Determinants of College Students’ Consumptive Behavior.” Journal of Entrepreneurship Development 23(1): 37. doi:10.33370/jpw.v23i1.506.
- Yuliana, Ike Nia, and Azib. 2021. “The Influence of Electronic Money Usage on the Consumptive Behavior of Management Students at Bandung Islamic University.” Yusanto Journal of Management Proceedings, 7(2): 353–55.
References
Akmal, Pradana, and Pratama Dimas. 2022. “The Effect of Debit Card and Electronic Money (E-Money) Usage on Student Consumption Expenditure.” Journal of Economics and Development Economics Studies 2. doi:10.17977/um002v8i12016p001.
Anisa, Siti Dea, and Cepi Saepuloh. 2024. “The Influence of Paylater Use on Consumer Behavior in the Gen Z Era (Case Study in the Cipatik Village Community).” FRIMA (7): 501–9.
Atika.2020.Islamic Microeconomics.Medan:FEBI UIN-SU Press.
Basuki, Agus Tri, and Imamudin Yuliadi. 2015. Electronic Data Processing (SPSS 15 and EVIEWS 7). Yogyakarta: Danisa Media.
Bilal Abdillah Rasyid, Muhammad, and A'rasy Fahrullah. 2022. “The Effect of Debit Card and E-Money Use on Consumer Behavior.” Saburai Journal of Management Science (JIMS) 8(2): 111–22. doi:10.24967/jmb.v8i2.1708.
Hasanah, N., Anggraini, T., & Harahap, R.D. (2022). The Influence of Lifestyle, Social Media, and Social Environment on Consumption Behavior During the Pandemic According to Islamic Economics: MES Management Journal, 2(1), 1–13. https://doi.org/10.56709/mesman.v2i1.36
Hayani, Nur Syamsidah, Tri Inda, Fadhila Rahma, and Juliana Nasution. 2024. “The Influence of Brand Trust and Brand Image on Customer Loyalty in Using Life Insurance at Ajb Bumiputera 1912 Medan.” 5(3): 1175–87.
Maulidah, Alfi Rizka, Rini Puji Astuti, Khaerun Nisa, Wisnu Erlangga, and Endah Hambarwati. 2024. “Development of Digital Payment Systems in the Industrial Revolution 4.0 Era in Indonesia.” Al-Qardh Journal 1(4): 798–803. doi:10.23971/jaq.v4i1.1442.
Masito Hsb and Muhammad Arif. (2022). FACTORS INFLUENCING STUDENTS' DECISIONS TO BECOME PAYTREN PARTNERS (CASE STUDY OF ISLAMIC ECONOMICS DEPARTMENT STUDENTS, FEBI UIN NORTH SUMATERA). El-Mal, 3(4), 765–779.
Muhammad Syahbudi, SEI, Barus, EE, & Barus, DS (2023). Textbook: Islamic Economic Research Methodology. Merdeka Kreasi Group.
Mutia Andela Putri and Annio Indah Lestari. (2020). THE EFFECT OF PROMOTIONAL ATTRACTIVENESS, PERCEPTION OF CONVENIENCE, AND PERCEPTION OF USEFULNESS ON INTEREST IN USING BSM E-MONEY PRODUCTS. Jesya, 1(2), 176–188.
Nainggolan, Hermin. 2022. “The Influence of Financial Literacy, Self-Control, and E-Money Use on the Consumptive Behavior of Production Workers at PT Pertamina Balikpapan.” Jesya (Journal of Economics & Sharia Economics) 5(1): 810–26. doi:10.36778/jesya.v5i1.574.
Nasution, MLI (2020). Digital Payment: Probability in Millennials (Case Study of Uinsu Febi Students). Jhss (Journal of Humanities and Social Studies), 4(2), 91–95. https://doi.org/10.33751/jhss.v4i2.2447
Nurjihan, Dude, Isa Ramlan, and Ismail Yulinda. 2022. “The Effect of Paylater and Flashsale Usage on Impulse Buying Behavior of Shopee Users (A Study of Shopee User Students, Management Department, Gorontalo State University).” Management.
Rasyid, Muhammad Bilal Abdillah, and A'rasy Fahrullah. 2022. “The Effect of Debit Card and E-Money Usage on the Consumptive Behavior of Islamic Economics Study Program Students, Faculty of Economics and Business, UNESA.” Journal of Islamic Economics and Business 5(2): 157–86. https://journal.unesa.ac.id/index.php/jei .
Ridwan, M., Handayani, R., IMSAR, DAULAY, A., SYAHBUDI, M., & TIF, R. (2021). Islamic Microeconomics. Journal of Islamic Economics and Business. Journal of Ecopreneur Analysis, 1–219.
Santoso, Sanggih. 2018. Mastering Statistics with SPSS 25. Jakarta: PT. Elex Media Komputindo.
Saragih, Fadhillah Irwani, and Dini Lestari. 2022. “The Influence of Paylater Among Teenagers in North Sumatra.” Initiative: Journal of Economics, Accounting and Management 1(4): 190–98. doi:10.30640/inisiatif.v1i4.526.
Sari, Rahmatika. 2021. “The Effect of Paylater Usage on Impulse Buying Behavior of E-Commerce Users in Indonesia.” Journal of Business and Investment Research 7(1): 44–57. doi:10.35313/jrbi.v7i1.2058.
Siregar, Helly Aroza, and Pujiono Pujiono. 2021. “Analysis of the Influence of Operational Efficiency and Financing Risk on the Contribution of MSMEs to the Economy and Its Impact on the Profitability of BPRs in Indonesia.” Procuratio: Scientific Journal of Management 9(4): 393–404. doi:10.35145/procuratio.v9i4.1642.
Stephen, Albert. 2018. Albert Stephen as 1112046100047.
Widayat, Widayat, Ilyas Masudin, and Novita Ratna Satiti. 2020. “E-Money Payment: Customers' Adopting Factors and the Implications for Open Innovation.” Journal of Open Innovation: Technology, Markets, and Complexity Article 6(57): 1–14.
Yahya, Adibah. 2021. “Determinants of College Students’ Consumptive Behavior.” Journal of Entrepreneurship Development 23(1): 37. doi:10.33370/jpw.v23i1.506.
Yuliana, Ike Nia, and Azib. 2021. “The Influence of Electronic Money Usage on the Consumptive Behavior of Management Students at Bandung Islamic University.” Yusanto Journal of Management Proceedings, 7(2): 353–55.