Moderating Role of User’s Generation on Risk Perception and the Intention to Online Financial Transaction in the Wake of the Covid-19 Pandemic
DOI:
https://doi.org/10.55164/ecbajournal.v15i4.261423Keywords:
Generation, Risk Perception, Online Financial TransactionAbstract
This research aims to 1) study the level of risk perception and intention to online financial transaction, 2) investigate the influence of the risk perception on the intention to online financial transaction, and 3) examine the influence of the users’ generation as the moderator. Quantitative research was used. Data was collected by quota sampling from 475 online financial transaction users using an online questionnaire. The data was analyzed using descriptive and inferential statistics, including means, standard deviations, and multiple linear regressions. Research results revealed that there were a high level and the first ranking of the online financial transaction in terms of the privacy of user for all generations. Results from multiple linear regression revealed that two dimensions of risk perception had a statistical influence on the intention to online financial transaction. Therefore, the user’s generation had a role of the moderator on risk perception and the intention to online financial transaction. In regard to recommendations, service providers should be made aware of the importance of enhancing the experiences of online financial transaction by creating the trust and a good attitude of the users which influence on an increasing for the intention to online financial transaction in the present and future.
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