Analisis faktor-faktor sukses sistem e-payment

  • Yuki Reza Program Studi Magister Manajemen, Universitas Muhammadiyah Sumatera Utara


  • Purposes - At the end of the first decade of the 21st century, the term Fintech has expanded to include technological innovations in the financial sector, such as innovation in financial literacy, personal banking, commercial banking, investment and so on. In Indonesia, Fintech is the second most popular thing after e-commerce. This study aims to determine the factors that influence the use of Fintech in this case the use of E-payment.

  • Methods - In this study using primary data obtained by distributing questionnaires to employees of the Medan branch of PT. Wilmar Consultancy Services. The data is then analyzed using Factor Analysis to see how many factors are formed from 25 indicators which initially are groupings of five factors.

  • Findings - The results showed that there were 8 factors formed, namely the first factor Connectivity, the second factor Performance, the factors namely Efficiency, the fourth factor Promotion, the fifth factor of Service, the factor sixth Security, the seventh factor Advantage and finally the eighth factor Comfort. The access time (Waktu Akses) factor has the highest factor loading value which is equal to 0.870 which has the most influence among other factor indicators. And the item with the lowest value is a diversity (Keragaman) indicator that has a factor loading value of 0.552.

  • Keywords - Factor analysis, eigenvalues, principal component analysis (pca), rotation varimax, e-payment


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How to Cite
REZA, Yuki. Analisis faktor-faktor sukses sistem e-payment. Jurnal Riset Sains Manajemen, [S.l.], v. 3, n. 1, p. 31-48, feb. 2019. ISSN 2597-4726. Available at: <>. Date accessed: 20 june 2021.