THE EFFECT OF CONVENIENCE, PROMOTION, AND RISK PERCEPTION ON INTEREST IN USING KREDIVO ON SHOPEE

Abstract

The rising use of digital financial services specifically the "buy now, pay later" service Kredivo on the Shopee platform reflects a shift in the transaction behavior of university students. Ease of use, promotions, and perceived risk are hypothesized to influence the intention to use this service, though the specific impact of each factor requires empirical verification. This study aims to analyze the influence of ease of use, promotions, and perceived risk on the intention to use Kredivo on Shopee. A quantitative approach employing descriptive and associative methods was used, involving 87 students from the Faculty of Economics and Business at PGRI Palembang University, selected via purposive sampling. Data were collected through questionnaires and analyzed using multiple linear regression. The results indicate that ease of use and perceived risk significantly influence the intention to use Kredivo, whereas promotions do not have a significant effect. Collectively, the three variables significantly influence the intention to use Kredivo, explaining 49.2% of the variance in usage intention, with the remainder attributed to factors outside the scope of this study. These findings suggest that enhancing service ease and managing perceived risk are crucial factors in boosting the intention to use Kredivo.