Do Ease of Use and Risk Perception Influence the Intention to Use GoPay Later?

Abstract : GoPay Later as an Indonesian online payment method in the form of credits that have been licensed and supervised by the Indonesian Financial Service Authority (OJK) that can make transactions easier. However, it is not uncommon for problems to circulate that users feel related to the risks that arise. This research aims to determine the influence of ease of use and risk perception on interest in using the GoPay Later feature. By using a quantitative approach and primary data sources obtained from distributing questionnaires to 100 GoPay Later user respondents domiciled in Jabodetabek, this research uses a non-probability sampling technique. In analysing the data, multiple linear regression statistic tool was used with SPSS version 29 application. The results of the study show that ease of use and risk perception both individually and simultaneously have a positive and significant influence on the interest in using GoPay Later. Based on the results of the research, it is hoped that GoPay Later will continue to innovate by adding features that make it easier to use and improving the service system to minimize potential risks, so that it can maintain user trust in using it as an option in transactions payment.