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Penelitian Alat Pembayaran

Analisis Faktor-Faktor yang Mempengaruhi Persepsi Pengguna dalam Menggunakan Kartu Kredit

Vina Kumala Dewi

Lutfi Harris, SE., MAK, Ak

The objectives of this research are to examine some determinant factors that influence the user perception of using credit card. The respondents of this research are citizens of Malang City who have credit card and use it. Researcher has got response from 96 respondents. The technique that used for analyze data was multiple regression analysis by SPSS 17 software. The variables that used in this research are reward, security, fee, and credit card acceptance. The result of this research shows that security and credit card acceptance significantly influence user perception of using credit card; reward and fee do not significantly influence user perception of using credit card. The conclusion of this research is user perception of using credit card is influenced by security and credit card acceptance. The implication of this research is relevant toward bank sector to consider determinant factors which influence user perception of using credit card. From this research we know that perception of system technology have part in implication and development of information system technology.

 

 

Keywords:  reward, security, fee, acceptance, perception, and credit card

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