Journal of Management Information System & E-commerce

Risk Perception in the Correlation between the Tendency of Using Internet and Customers’ Willingness to Use Online Payment System
Herison Surbakti

Abstract
This study aims to determine the extent of the influence of risk perception on the willingness of customers to use online payment system and online purchases, as well as to measure whether the experience and the tendency to use the internet have a significant effect in increasing the willingness of customers to use the online banking facilities and online payments. There are several things that affect the willingness of customers to use the online payment system services; those are, the tendency factor of using the internet and experience factor of using the internet. Those factors have a positive influence on the willingness of customers to use online payment system facility. Perception of risk in using the online payment system service facilities has a negative influence on the willingness of customers to use online payment system facility because the use of the internet has several types of risks that should be acceptable to customers. The tendencies to use the internet and the internet experience factors have a negative influence on the perception of risk in the willingness of customers to use online payment system facilities. Does the perception of risk have a mediation role in the relationship between the tendency to use and experience to use the internet to customers’ willingness to use online payment system? This is a kind of interesting question to study. This research uses a model from a previous study [22]. The willingness of using online payment system service is a big opportunity for the E-Business development, especially in Yogyakarta, Indonesia.

Full Text: PDF     DOI: 10.15640/jmise.v1n2a2