THE INFLUENCE OF SECURITY PERCEPTION AND BENEFITS PERCEPTION ON THE DECISION TO USE THE FLIP APPLICATION AMONG STUDENTS OF THE     UNIVERSITY OF NORTH SUMATERA

Authors

  • Ivo Arfiani Turnip University of North Sumatra, North Sumatra, Indonesia Author
  • Endang Sulistya Rini University of North Sumatra, North Sumatra, Indonesia Author
  • Fadli University of North Sumatra, North Sumatra, Indonesia Author

Keywords:

Security Perception, Perceived Usefulness, Usage Decision, FLIP Application, Fintech

Abstract

This study aims to analyze the effect of security perception and perceived usefulness on the decision to use the FLIP application among students at the University of North Sumatra. The research method used is quantitative with a survey approach. The research population is active USU students with a sample of 200 respondents selected using purposive sampling technique. Data was collected through online questionnaires and analyzed using SPSS version 25 with multiple linear regression analysis techniques. The results showed that security perception has a positive and significant effect on the decision to use the FLIP application (β = 0.432, p < 0.05), as well as perceived usefulness which also has a positive and significant effect (β = 0.518, p < 0.05). Simultaneously, both variables influence usage decisions by 67.8% (R² = 0.678). This finding indicates that the higher students' perceived security and benefits, the higher their decision to use the FLIP application. The practical implication of this research is the importance of FLIP to continue improving security features and communicating application benefits to student target users.

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Published

2026-06-28

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Section

Articles

How to Cite

THE INFLUENCE OF SECURITY PERCEPTION AND BENEFITS PERCEPTION ON THE DECISION TO USE THE FLIP APPLICATION AMONG STUDENTS OF THE     UNIVERSITY OF NORTH SUMATERA. (2026). ICOERESS, 2(2), 639-645. https://icoeress.pasca.uinjambi.ac.id/index.php/icoeress/article/view/166