The Implementation of Digital Payment and Its Impact on User Decision in Batam City

Abstract

The digital transformation within the financial system has facilitated the widespread adoption of digital payments across society. This study aims to examine the influence of motivation, perception, and consumer behavior on user decision-making in the context of digital payment usage in Batam City. This study applied a quantitative research design through a survey approach, involving 101 participants chosen via purposive sampling technique. The data were analyzed using Structural Equation Modeling with the Partial Least Squares (SEM-PLS) technique. The findings reveal that consumer motivation and behavior have a statistically significant effect on user decisions, whereas perception does not exhibit a significant impact. This study contributes empirical evidence that may enrich theoretical perspectives in the field of digital payment and offers practical implications for digital financial service providers in developing strategies that enhance user motivation, perception, and behavior in relation to decision-making.