PENGARUH PERSEPSI KEMUDAHAN DAN PERSEPSI KEAMANAN TERHADAP MINAT PENGGUNAAN E-MONEY DI KALANGAN GENERASI MILLENIAL
Bibliographic record
Abstract
Technological advances in payment systems are slowly shifting the role of cash as a means of payment to more efficient and economical forms of non-cash payments. Therefore, the development of the use of non-cash payment instruments needs serious attention. This study aims to determine how the Effect of Perceptions of Ease and Perceptions of Security on Interest in Using E-money. This study uses quantitative research methods with an associative approach. The population in this study were e-money users in the Medan Baru District area. The results showed that the Ease of Perception had a positive and significant effect of 27.1% on Interest in Using E-money and Perception of Security had a positive and significant effect of 40% on Interest in Using. Based on calculations with the coefficient of determination, the R value is 81.9%, which indicates that the relationship between perceived convenience and perceived security on interest in using e-money is quite close. The Rsquare value of 0.671 indicates that 67.1% of the Usage Interest variable can be explained by the Ease of Perception and Perception of Security. While the rest is influenced by other variables not examined in this study.
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How this classification was reachedexpand
Full frame machine prediction
Teacher imitationNot calibrated prevalence, not ground truth. Human validation pending. The Gemma side is a direct model label for every work in the frame, read from the title-only record. The Codex side is a classifier learned from the 10,348 direct Codex labels and calibrated to design-weighted sample rates; fields without enough sample support carry no Codex call. Candidate is the union of the two sides; consensus is their intersection. These outputs are machine_predicted_unvalidated and are not human labels.
Distilled classifier scores by category (both heads)
| Category | Codex | Gemma |
|---|---|---|
| Metaresearch | 0.001 | 0.001 |
| Meta-epidemiology (narrow) | 0.001 | 0.000 |
| Meta-epidemiology (broad) | 0.000 | 0.000 |
| Bibliometrics | 0.001 | 0.001 |
| Science and technology studies | 0.001 | 0.001 |
| Scholarly communication | 0.002 | 0.003 |
| Open science | 0.000 | 0.001 |
| Research integrity | 0.000 | 0.001 |
| Insufficient payload (model declined to judge) | 0.020 | 0.003 |
Machine scores (provisional)
The two teacher heads of the student model, read on this work. A score orders the frame for review; it never asserts a category, and the validation status ships verbatim with every row.
Baseline scores from an immature model (maturity gate not passed, 7 training rounds). Scores rank; they never assert a category.
score_only:v0-immature-baseline · verbatim from the scoring run: score_only means the number may rank works, and no category label ships from itClassification
machine, unvalidatedMachine predicted; a candidate call from one source (direct Gemma or distilled Codex), not a consensus.
How this classification was reached, model by model and score by score, is at the end of the page under "How this classification was reached".