Indonesian Student Perception in Digital Payment


  • Aldilla Iradianty Telkom University
  • Bayu Rima Aditya Telkom University



Digital Payment, Uang Digital, Dompet Elektronik, Dompet Digital, Digital Wallet


The trend of using digital payment in Indonesia is increasing every year. Most people have been felt the benefit of Digital Payment service. This research provide perspective about awareness, perceptions and preferences of students in Indonesia towards digital payment-based payment system. This quantitative research involved 104 students from various universities in Indonesia. The information collected by a questionnaire and was analyzed by descriptive statistical techniques. The result of this study indicate that the awareness of students in Indonesia about digital payment services is very high. The convenience of using this service, the availability of services, discounts and reward points are the main factors that influence them in choosing digital payment service. This research also show that the majority of students prefer to continue using digital payment service. The results of this study can be useful for digital payment service provider in order to increase service satisfaction.


Acar, O., & Citak, Y. E. (2019). Fintech Integration Process Suggestion for Banks. Procedia, 971-978. Retrieved from

Adnyasuari, P.A.S., and Darma, G.S. (2017). Technology Acceptance Model dan E-Satisfaction in Mobile Banking, Jurnal Manajemen & Bisnis, 14 (2): 1-12.

Arianti, N.L.N., Darma, G.S., and Mahyuni, L.P. (2019). Menakar Keraguan Penggunaan QR Code Dalam Transaksi Bisnis, Jurnal Manajemen & Bisnis, 16 (2): 67-78.

Badri, M. (2020). Adopsi Inovasi Aplikasi Dompet Digital di Kota Pekanbaru. INOVBIZ, 8, 120-127.

Bank Indonesia, P. (2016). Penyelenggaraan pemrosesan transaksi pembayaran. Bank Indonesia. Retrieved 2020, from

Beaumont, P. (2020). Digital Finance. New York: Routledge.

Daily Social. (n.d.). (Daily Social) Retrieved 2020, from

Danuarta, G.L.N., and Darma, G.S. (2019). Determinants of Using Go-Pay and Its Impact on Net Benefits, International Journal of Innovative Science and Research Technology, 4 (11): 173-182.

Ferdiana, A.M.K., and Darma, G.S. (2019). Understanding Fintech Through Go-Pay, International Journal of Innovative Science and Research Technology, 4 (2): 257-260.

Gojek. (n.d.). Retrieved from

Gumiwang, R. (2019, August 20). (I. L. Bhaskara, Editor, & Retrieved July 28, 2020, from

Houston, D. D. (2019). Adopsi Penerimaan Digital Payment Pada Kalangan Milenial. Medium, 7(2). Retrieved from

Indonesia, B. (2020). Sosialisasi QRIS. Jakarta: Bank Indonesia.

ipos. (2020). Evolusi Industri Dompet Digital. ipos. Retrieved from

iprice. (n.d.). Retrieved Juli 2020, from

iradianty, A., & Rustono, A. (2015). SWOT Analysis Of Telco Branchless Banking In Indonesia. The 6th Seminar & Conference on Business & Technology in ICT Industry (SCBTII 2015) (p. 61). Jakarta: Telkom University.

Jocevski, M., Ghezzi, A., & Niklas, A. (2020, April). Exploring the growth challenge of mobile payment platforms: A business model perspective. Electronic Commerce Research and Applications, 40.

Kaur, P., Dhir, A., Bodhi, R., Singh, T., & Almotairi, M. (2020, September). Why do people use and recommend m-wallets? Journal of Retailing and Consumer Services, 56. doi:

Kontan. (2020, Mei). Retrieved July 2020, from

Kusnandar, V. B. (2019, 11 4). KataData. Retrieved from DataBox:

Kusuma, P. O., & Darma, G. S. (2020). Mobile Payment Transaction on MSMEs. International Research Journal of Management, IT & Social Sciences, 7(3), 104-109.

LinkAja. (n.d.). Retrieved from

Milian, E., Spinola, M., & de Carvalho, M. (2019, April). Fintechs: A literature review and research agenda. Electronic Commerce Research and Applications, 34. Retrieved 2020

Mun, Y. P., Khalid, H., & Nadarajah, D. (2017). Millenial's Perception on Mobile Payment Service in Malaysia. Procedia, 124, 397-404.

Mahyuni, L.P., Adrian, R., Darma, G.S., Krisnawijaya, N.N.K., Dewi, I.G.A.A.P., and Permana, G.P.L. (2020). Mapping the potentials of blockchain in improving supply chain performance, Cogent Business & Management, 7 (1788329): 1-18.

Nabila, M. (2019, March 27). Layanan Fintech Salim Group “OttoPay” Percepat Usaha Mikro Adopsi Pembayaran Digital. (B. Hartono, Interviewer) Retrieved from

Putra, I.G.N.A.P., and Darma, G.S. (2019). Is Bitcoin Accepted in Indonesia? , International Journal of Innovative Science and Research Technology, 4 (2): 424-430.

Paytren. (n.d.). Retrieved from

qren. (n.d.). Retrieved from

Shopee. (n.d.). Retrieved from

Stavins, J. (2018). Consumer preferences for payment methods: Role of discounts and surcharge. Journal of Banking and Finance, 94, 35-53. Retrieved from

Swiecka, B., Terefenko, P., & Paprotny, D. (2021). Transaction factor's influence on the choice of payment bu Polish Consumers. Journal of Retailing and Consumer Service. Retrieved from

Tarantang, J., Awwaliyah, A., Astuti, M., & Munawaroh, M. (2019, Juli). Perkembangan Sistem Pembayaran Digital Pada Era Revolusi Industri 4.0 di Indonesia. Jurnal Al Qardh, 4.




How to Cite

Iradianty, A., & Aditya, B. R. (2020). Indonesian Student Perception in Digital Payment. Jurnal Manajemen Bisnis, 17(4), 518-530.