PENGARUH PENGGUNAAN DIGITAL PAYMENT DAN SERVICE QUALITY TERHADAP PERILAKU KONSUMTIF MASYARAKAT DENGAN CONSUMER TRUST SEBAGAI VARIABEL MEDIASI DALAM PERSPEKTIF BISNIS ISLAM (Studi Pada Pengguna E-wallet Shopee Pay Masyarakat Bandar Lampung)

FITRI, SALSABILA (2025) PENGARUH PENGGUNAAN DIGITAL PAYMENT DAN SERVICE QUALITY TERHADAP PERILAKU KONSUMTIF MASYARAKAT DENGAN CONSUMER TRUST SEBAGAI VARIABEL MEDIASI DALAM PERSPEKTIF BISNIS ISLAM (Studi Pada Pengguna E-wallet Shopee Pay Masyarakat Bandar Lampung). Diploma thesis, UIN Raden Intan Lampung.

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Abstract

ABSTRAK Perkembangan teknologi digital yang pesat telah mengubah lanskap industri pembayaran secara signifikan. Munculnya berbagai platform digital payment telah memberikan kemudahan bagi masyarakat dalam melakukan transaksi. Di Indonesia, penggunaan digital payment semakin marak, terutama di kalangan generasi muda. Seiring dengan meningkatnya penggunaan digital payment, turut menjadikan masyarakat di Indonesia menjadi semakin konsumtif. penting untuk memahami faktor-faktor yang mempengaruhi perilaku konsumen dalam menggunakan layanan ini. Penelitian ini bertujuan untuk menganalisis pengaruh penggunaan digital payment dan servis quality terhadap perilaku konsumtif masyarakat Bandar Lampung, dengan mempertimbangkan peran consumer trust sebagai variabel mediasi. Penelitian ini menggunakan metode penelitian deskriptif dengan pendekatan kuantitatif. Populasi penelitian yaitu masyarakat yang berdomisili di Kota Bandar Lampung sedangkan sampel berjumlah 96 responden. Teknik penarikan sampel menggunakan non probability sampling dengan teknik pengambilan sampel yaitu teknik purpose sampling. Metode analisis data menggunakan Partial Least Square (PLS) dan kemudian data yang didapatkan diolah menggunakan software SmartPLS 4. Hasil penelitian menunjukkan terdapat pengaruh positif dan signifikan antara variabel digital payment terhadap perilaku konsumtif. Terdapat pengaruh positif dan signifikan antara variabel digital payment terhadap consumer trust. Terdapat pengaruh positif dan signifikan antara servis quality terhadap perilaku konsumtif. Terdapat pengaruh negatif dan signifikan antara servis quality terhadap consumer trust. Terdapat pengaruh positif dan signifikan antara variabel consumer trust terhadap perilaku konsumtif, dan Consumer trust memediasi hubungan digital payment dan servis quality terhadap perilaku konsumtif. Kata kunci: Digital Payment, Servis Quality, Consumer Trust, Perilaku Konsumtif , E-wallet. ABSTRACT The rapid development of digital technology has changed the landscape of the payments industry significantly. The emergence of various digital payment platforms has made it easier for people to carry out transactions. In Indonesia, the use of digital payments is increasingly widespread, especially among the younger generation. Along with the increasing use of digital payments, it has also made people in Indonesia become more consumptive. It is important to understand the factors that influence consumer behavior in using these services. This research aims to analyze the influence of the use of digital payments and service quality on the consumer behavior of the people of Bandar Lampung, by considering the role of consumer trust as a mediating variable. This research uses descriptive research methods with a quantitative approach. The research population is people who live in Bandar Lampung City, while the sample consists of 96 respondents. The sampling technique uses non-probability sampling with a sampling technique, namely the purpose sampling technique. The data analysis method uses Partial Least Square (PLS) and then the data obtained is processed using SmartPLS 4 software. The research results show that there is a positive and significant influence between digital payment variables on consumer behavior. There is a positive and significant influence between digital payment variables on consumer trust. There is a positive and significant influence between service quality on consumer behavior. There is a negative and significant influence between service quality and consumer trust. There is a positive and significant influence between the consumer trust variable on consumer behavior, and consumer trust mediates the relationship between digital payments and service quality on consumer behavior. Keywords: Digital Payment, Service Quality, Consumer Trust, Consumptive Behavior, E-wallet.

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