Perceptions of Trust Digital Payments as A Reduction of Corruption and Use of Fake Money on User Satisfaction of Non-Bank (Digital Payment Applications in Kota Pekanbaru)


  • Halim Dwi Putra Politeknik Negeri Bengkalis
  • A.Malik Politeknik Negeri Bengkalis
  • Tengku Kespandiar Politeknik Negeri Bengkalis


Perception Digital Payments, Trust and satisfaction


This research is a research on the use of digital payments in non-bank digital payment applications such as
OVO, Gopay and DANA which is viewed from the perspective of users in the city of Pekanbaru. The purpose of this
study was to determine the level of public trust and satisfaction with non-bank private applications for digital payments
in the city of Pekanbaru, to find out the success of the Indonesian government's program in promoting the National
Non-Cash Movement (GNNT) in the city of Pekanbaru, to determine the level of public understanding of digital
payments. From non-bank applications in the city of Pekanbaru, Knowing the spread of digital payments in the city of
Pekanbaru. GNNT can reduce the use of counterfeit money and OTT Actions (Operation Catch Hands) The
implementation of hand arrest operations (OTT) is one of the strategies used by the Corruption Eradication
Commission (KPK) to crack down on corruption cases in Indonesia. The contribution of this research to the
development of the marketing concept of digital payments made by non-bank publishers who allegedly received public
trust in using the National Non-Cash Movement (GNNT) to succeed even though it is not from a bank whose data base
of incoming and outgoing money can be tracked digitally. The results of the research carried out are through the results
of data analysis using linear regression analysis it can be seen that Perceived Value and Trust have an effect on
Consumer Satisfaction, where the effect is significant. The results of the analysis show that the effect is partially
Perceived Value (X1) on Consumer Satisfaction (Y1) is 0.263 or 26.3%, and the effect is partially Trust (X2) on
Consumer Satisfaction (Y1) is 0.246 or 24.6%, thus the hypothesis which states that Perceived Value and Trust have
a significant effect on Consumer Satisfaction proven or acceptable. This research is in line with the research before
which states that Perceived Value and Trust has a positive relationship with Customer Satisfaction. This result is also
supported which states that the perception of quality, and, trust, through commitment affect customer loyalty which
previously met customer satisfaction.