Pengaruh Financial Literacy, Perceived Benefit, Perceived Risk terhadap Consumer Attitude dan Dampaknya terhadap Intention To Use

Abstract

This study aims to analyze the factors that influence consumer attitudes and their impact on intention to use in credit transactions through pay later features viewed from the perspective of Gojek application users. This type of research is quantitative using the Partial Least Square (PLS) method. The conceptual model design is based on theories from previous researchers about the factors that influence consumer attitudes and intention to use involving financial literacy variables, perceived benefits, and perceived risk. The unit of analysis used is the Gojek application users who make transactions using the Gopay electronic digital wallet in Indonesia of 233 respondents. The results obtained in the form of consumer attitudes are significantly influenced by perceived benefits and intention to use is significantly and positively influenced by consumer attitudes. While financial literacy and perceived risk do not significantly influence consumer attitudes.