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September 10, 2025Nomico.

The Influence of Payment System Digitalization on Consumer Transaction Efficiency in Urban Areas

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Digital payment adoption significantly improves transaction efficiency for urban consumers in Indonesia, enhancing convenience and speed.
Respondents indicated a strong relationship between digital payment tools and improved tracking of financial activities, reducing cash reliance.
A structured questionnaire was employed to gather data from 120 urban residents, analyzed through SPSS to ensure reliability and validity.
Findings support the Technology Acceptance Model, emphasizing the need for inclusive digital financial services for better consumer experiences.

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Quantitative analysis reveals positive effects of digital payment adoption on transaction efficiency, suggesting implications for urban consumers.

Ummy Kalsum (2025) studied this question.

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Quantitative analysis reveals positive effects of digital payment adoption on transaction efficiency, suggesting implications for urban consumers.