Offline Payment vs Online Payment - Consumer Influencing Factors in University Students

Abstract

Abstract.Almost everything becomes digital after the emergence of industrial 4.0, which resulted in the emergence of financial technology. Financial technology in payment products in this journal are e-money and e-wallet that can shift user behavior in using payment products. User starts to use e-payment besides cash. This paper aims to analyze user preferences in using payment method, especially in online and offline payment among university students in Indonesia because they tend to follow the trend of technological development. This paper also analyze the factors that influencing user in choosing certain payment method and the products that is preferred more by the respondents.

Keywords: Financial technology, Online payment, Offline payment, User preference, User behavior