USE OF CREDIT CARD IN E-COMMERCE

Abstract

The growth of e-commerce in Indonesia is followed by the development of online payment method using credit card. Marketers see that data privacy issues are still a consideration for consumers to use credit cards as online payment tools. The purpose of this research is to know the influence of TAM, TPB and perceived security variables on the use and loyalty of the payment system. Methods of data collection using questionnaires distributed to 203 consumers who have made payments using credit cards in e-commerce. The analysis method used in this research is structural equation modeling. The results of this study indicate that perceived usefulness has a positive and significant influence on trust and intention to use, perceived ease of use has a positive and significant effect on perceived usefulness. Based on the results of research, there is an effect of perceived ease of use on perceived usefulness in millennials who have partially made payments in e-commerce using credit cards, trust variable is able to mediate the relationship between perceived usefulness and intention to use and is a partial mediating variable, the trust variable is not a mediating variable on the relationship between perceived ease of use and intention to use and the trust variable is able to mediate the relationship between perceived security and intention to use and is perfect mediating variable.