Abstract
The changes in information technology have also changed community behavior in doing transaction payments from cash to non-cash. This study aims to discover the effect of easiness, trust, life-style, and risk factors on people of Yogyakarta city interest to do a non-cash transaction. The research data were primary data obtained through interviews and questionnaires to 100 respondents in Malioboro shopping center which is the icon of Yogyakarta city, Indonesia. The data then estimated through multiple linear regression models using SPSS 16 statistical program. The result of the study empirically showed that easiness, trust, and life-style had positive and significant effects on the community’s choice to have non-cash transactions. Meanwhile, risk had a negative and significant effect on the interest of people in doing non-cash transactions. In general, non-cash payment promoted the intensity and capacity of a payment transaction because the payment is easier and cheaper. This study recommends increasing community awareness about the benefits and risks of a non-cash payment transaction. Moreover, law enforcement of customer protection from the misuse of non-cash payment facilities should be enhanced.
Highlights
Indonesia’s society has experienced significant changes in transaction behavior in accordance with the development of information and telecommunication technology
This study describes the non-cash payment behavior of Yogyakarta people in Indonesia
Previous research has explained people's behavior in digital transactions and their impact on the economy. [1, 3, 6] Other similar studies have analyzed the current issue of transaction behavior using electronic money in community business activities, but not explicitly on analyzing the factors influencing non-cash transactions [1,2,3,4]
Summary
Indonesia’s society has experienced significant changes in transaction behavior in accordance with the development of information and telecommunication technology. This study describes the non-cash payment behavior of Yogyakarta people in Indonesia. This research’s novelty explains the influence of lifestyle, trust, and payment risks on non-cash payments in Indonesia, especially in Yogyakarta City. Previous research has explained people's behavior in digital transactions and their impact on the economy. [1, 3, 6] Other similar studies have analyzed the current issue of transaction behavior using electronic money in community business activities, but not explicitly on analyzing the factors influencing non-cash transactions [1,2,3,4]. Other research only focused on financial inclusion aspects and the role of digital technology development in influencing people's behavior in business activities but did not include trust, payment risk, and lifestyle aspects.
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