Exploring How University Students Utilize the Help of Digital Payment: a Qualitative Study

DOI

10.2991/aer.k.201221.100How to use a DOI?

Keywords

Digital Payment, E-Payment, Fintech, Polines-Pay, E-Wallet

Abstract

The adoption of digital payments aims to minimize cash use transactions, provide convenience, acceleration, and efficiency in payment transactions. Polines-Pay is a technology-based electronic payment instrument implemented in Politeknik Negeri Semarang (Polines) as an innovative digital payment product. Besides, it is also a manifestation of the substantive learning implementation in developing information technology, especially in the banking sector as a Fintech Polines Living Laboratory. This research intends to explore how college students utilize the polines-pay as new digital payment in Polines. A qualitative study employed in this research by interviewing Accounting department’ students in Politeknik Negeri Semarang. The interviews are transcribed verbatim and analyzed using qualitative content analysis. The result of this study mentioned that students experienced the ease and benefit of using Polines-pay as their new way of making payment transactions in Polines in a digital form instead of the conventional method. Some students argue that the lack of information of remaining balance and top-up availability as their challenges of using polines-pay. However, it could be the polines-pay opportunity to develop it systems and accessibility. Respondents offer suggestions for the development and sustainability of Polines-pay not only as a new digital payment platform in Polines and an embrio for Fintech living laboratory, but also it can be used to make transaction outside Polines.

Copyright

© 2020, the Authors. Published by Atlantis Press.

Open Access

This is an open access article distributed under the CC BY-NC license (http://creativecommons.org/licenses/by-nc/4.0/).

Download article (PDF)

TY  - CONF
AU  - Dina Yeni Martia
AU  - Afriyanti Hasanah
AU  - Ira Siti Sarah
AU  - Rola Nurul Fajria
AU  - Kenneth Pinandhito
PY  - 2020
DA  - 2020/12/22
TI  - Exploring How University Students Utilize the Help of Digital Payment: a Qualitative Study
BT  - Proceedings of the International Seminar of Science and Applied Technology (ISSAT 2020)
PB  - Atlantis Press
SP  - 621
EP  - 625
SN  - 2352-5401
UR  - https://doi.org/10.2991/aer.k.201221.100
DO  - 10.2991/aer.k.201221.100
ID  - Martia2020
ER  -