Muammar Rinaldi, Anisa Fitria Sinaga, Atika Atayarisah Lubis, Regita Amelia, Firman Saputra, Eka Valentina Manurung

The Influence of Using UKM Digital Payment Systems on the Purchase Interest of 2022 Economic Education Study Program Students, Medan State University

Introduction

The influence of using ukm digital payment systems on the purchase interest of 2022 economic education study program students, medan state university. Examine how UKM digital payment systems influence purchase interest among 2022 Economic Education students at Medan State University. Discover a significant positive impact.

Abstract

Technological advances in the field of payment systems have also changed the function of cash from the main means of payment to a non-cash payment method that is more efficient, practical and economical. This research aims to analyze the influence of the use of digital payment systems in UKM on the buying interest of Economic Education Study Program students class of 2022. This research uses a quantitative research design, which uses numerical data to assess conclusions. The population of this research are students of the 2022 Stambuk Economic Education study program, Medan State University who are interested in using a digital payment system.. The research used 30 samples. Based on the research results, it shows that the use of digital SME payment systems affects students' buying interest, where the results of the partial regression test (T test) are at a significant level of 0.05 with a T value of 8.461 with a significance of 0.000 < 0.05. Meanwhile, the Ttable value is 2.034. Therefore, Ha is accepted because the tcount value is 8.461 > table 2.034 so it can be concluded that there is a significant influence between the use of digital SME payment systems on the student purchasing interest variable. The correlation coefficient value of 0.827 indicates that the two variables have a close relationship, where an increase in the use of digital payment systems will be followed by an increase in students' buying interest.

Review

This study delves into a highly relevant topic: the influence of digital payment systems on consumer behavior, specifically among university students engaging with UKMs (small and medium enterprises). In an era characterized by rapid technological advancement and a global shift towards cashless transactions, understanding how these systems impact purchasing interest is crucial for businesses and policymakers. The abstract effectively conveys the research's objective and presents a clear conclusion: a significant positive influence of digital SME payment system usage on students' buying interest, supported by strong statistical evidence (T-value of 8.461 with p < 0.001) and a high correlation coefficient (r = 0.827). However, several methodological aspects outlined in the abstract warrant further consideration and limit the generalizability of the findings. The sample size of 30 students is considerably small for a quantitative study, potentially impacting the statistical power and representativeness of the results. More critically, the population definition, explicitly stating "students...who are interested in using a digital payment system," introduces a significant selection bias. This pre-selection likely inflates the observed relationship, as individuals less inclined towards digital payments are excluded from the outset, thus potentially overstating the true influence on a broader, unselected student population. The abstract also lacks specifics regarding the types of digital payment systems examined or the precise measures used for "buying interest," which would be beneficial for methodological transparency. To enhance the robustness and applicability of this research, future studies should prioritize a larger, more diverse, and randomly selected sample to improve external validity and mitigate selection bias. Expanding the scope to explore the underlying motivations for digital payment adoption, such as perceived convenience, security, or promotional incentives, through a mixed-methods approach could provide a richer, more nuanced understanding of student purchasing behavior. Despite the highlighted limitations, this study serves as an important initial step, confirming a direct link between digital payment system usage and purchasing interest within its specific context. It underscores the growing importance for UKMs to embrace digital payment solutions to effectively engage the student demographic and adapt to evolving consumer preferences.

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