ANALISIS PENGARUH KEMAMPUAN FINANSIAL, PERILAKU KONSUMEN DAN KEAMANAN TERHADAP MINAT PENGGUNAAN UANG ELEKTRONIK (E-MONEY) SEBAGAI INSTRUMEN PEMBAYARAN (STUDI PADA MAHASISWA DI DAERAH ISTIMEWA YOGYAKARTA)

The development of the world is now felt to be more advanced and up-todate, one of which is in the banking system that has implemented electronic money technology or often referred to as e-money. Electronic money technology has shifted cash/cash as a payment system because it is more efficient, economical and easy. There are factors that influence people in making their decisions to use emoney. The author decided to choose 3 endogenous variables, namely 1) financial ability, 2) consumer behavior, 3) security. With the aim of knowing the effect of these variables on interest in using e-money. This study uses the theory of TAM (Technology Acceptance Model) which was developed and explained by Davis (1989). The object of the research is students who are active users of electronic money (e-money) in the Special Region of Yogyakarta. The data collection used was a questionnaire with a sample of 110 student at university the method used in this research is purposive sampling. The results of the analysis in this model are that the financial ability variable has a negative and significant effect and the consumer behavior and security variables have a positive and significant effect on student interest in using e-money (electronic money).