The Construction of Trust and Perceptions of Security in Payment Transactions on Shopee and Their Implications for Consumer Purchase Decisions

Intan Leskantari; Muhammad Naim

doi:10.55681/economina.v5i9.3112

Authors

Intan Leskantari Universitas Muhammadiyah Mataram, Indonesia
Muhammad Naim Universitas Muhammadiyah Mataram, Indonesia

DOI:

https://doi.org/10.55681/economina.v5i9.3112

Keywords:

Trust, Perception of Security, Purchase Decisions, E-commerce

Abstract

The growth of the e-commerce industry in Indonesia has fueled intense competition among platforms, one of which is Shopee. This study aims to analyze the influence of Trust (X1) and Perceived Security (X2) both parsial and simultan on Consumer Purchase Decisions (Y) on Shopee. The method used in this study is a quantitative approach employing an explanatory survey method. Data were collected through an online questionnaire via Google Forms using a 5-point Likert scale from 174 respondents who are active Shopee users in Mataram City, selected using purposive sampling. The data analysis techniques applied included descriptive analysis, classical assumption tests, multiple linear regression, and hypothesis testing (t-test and F-test) using Smart-PLS 4 software. The results of the study indicate that Trust (X1) has a partial, positive, and significant effect on Purchase Decision (Y), with a coefficient of 0.402 and a t-value of 3.852. Furthermore, Perceived Safety (X2) was also found to have a positive and significant partial effect on Purchase Decision (Y) with a coefficient of 0.520 and a t-value of 4.855, making it the most dominant factor influencing consumer decisions. Simultaneously, the F-test confirmed that Trust and Perceived Safety together have a significant effect on Purchase Decision, with an F-value of 142.451. The adjusted R-squared value of 0.621 indicates that these two independent variables account for 62.1% of the variability in Shopee consumers’ purchasing decisions in Mataram City, while the remaining 37.9% is influenced by other factors outside the scope of this study.

Downloads

Download data is not yet available.

References

Abrar, J. A., Nurfadhilah, A., Usman, D. O., & Syst, M. B. (2025). Analysis Of Sevice, Trust, Security Impact On Satisfaction And behavior In Shopee. Journal of Digital Business and Global Economy, 1(1), 1–7.

Agustiningrum, D., & L, A. A. (2021). Pengaruh Kepercayaan, Kemudahan, Dan Keamanan Terhadap keputusan Pembelian di Marketplace. Jurnal Ilmu Manajemen, 9(3), 896–906.

Anshori, M. Y., Karya, D. F., & Gita, M. N. (2022). A Study on the Reuse Intention of E-Commerce Platform Applications : Security , Privacy , Perceived Value , and Trust. Journal Of Theoretical And Applied Manangement Jurnal Manajemen Teori Dan Terapan, 15(1), 24. https://doi.org/10.20473/jmtt.v15i1.34923

Fachry, A. M., Aslamah, A. N., Usman, O., Jakarta, U. N., Jakarta, U. N., Jakarta, U. N., Jakarta, U. N., & Info, A. (2025). The Influence Of Digital Service Quality, Platform Trust And User Experience On Purchase Decisions On Shopee. Journal of Strategic Marketing and Innovation, 1(1). doi.org/10.64243/JOSMI.01.1.09

Fernandez-Bonilla, F., Gijon, C., & De La Vega, B. (2022). E-commerce in Spain : Determining factors and the importance of the e-trust. Elsevier, 46(November 2021). https://doi.org/10.1016/j.telpol.2021.102280

Habsari, & Suib. (2022). Persepsi Customer Terhadap Platform E-Commerce Shopee. Jurnal Ekonomi & Pendidikan, 19(2), 183–192.

Handoyo, S. (2024). Heliyon Purchasing in the digital age : A meta-analytical perspective on trust , risk , security , and e-WOM in e-commerce. Heliyon, 10(8), e29714. https://doi.org/10.1016/j.heliyon.2024.e29714

Husain, N. hayati, Farhan, A., & Oktavianty. (2018). Peran Trust Dan Keamanan Dalam Transaksi Online Terhadap Pengguna E-Commerce Shoopee di Kalangan Mahasiswa (Studi Kasus pada Mahasiswa Universitas Megarezky). Bongaya Journal of Research in Management, 9(1), 256–266.

Indrijawati, A., Damayanti, S., & Wahid, M. Z. (2024). A Systematic Literature Review : Determinants of User Interest in Digital Payment Services : Trends and Causes. Jurnal Economic Resources, 7(2), 113–132.

Inggaris, A. F., & Wibowo, S. (2023). Analysis of The Influence of Information Quality , Ease of Use , and Trust on Online Purchase Decisions on Shopee ( Research On Users Of The Shopee E-Commerce Platform At Muhammadiyah University Yogyakarta ). Journal of Business Management and Islamic Banking, 02(3), 293–304. https://doi.org/10.14421/jbm ib.2023.0203-07

Janel, T. P., Jeralyn, E., Briene, G., Abegel, C., Angela, U. J., & Lazaro, B. G. (2024). Trust and Online Transactions : An In-Depth Case Study of Consumer Perceptions and Behavior in E-commerce. International Journal Of Advanced Multidisciplinary Research And Studies, 4(3), 416–420. doi: https://doi.org/10.62225/2583049X.2024.4.3.2802

La˘zaroi˘, G., Negurita, O., Grecu, L., Grecu, G., & Mitran, P. C. (2020). Consumers ’ Decision-Making Process on Social Commerce Platforms : Online Trust , Perceived Risk , and Purchase Intentions. Frontierrs in Psychology, 11(890), 1–7. https://doi.org/10.3389/fpsyg.2020.00890

Linamaningsih, I., Kusumaningrum, N., Tria, L., & Hutami, H. (2025). The Influence of Perceived Ease of Transaction and Perceived Security of Transaction on Intention to Shop with Trust as An Intervening Variable Among Shopee Users. Journal of Economics, Finance And Management Studies, 8(9), 275–286. https://doi.org/10.2991/978-94-6463-698-7

Moric´, Z., Dakic, V., Djekic, D., & Regvart, D. (2024). Protection of Personal Data in the Context of E-Commerce. Journal of Cybersecurity and Privacy, 4(3), 731–761. https://doi.org/10.3390/jcp4030034

Muslimin, & Naim, M. (2024). The Challenges of the Digital Divide in ASEAN and Its Impact on Digital Business Acceleration. Jurnal Ekonomi, Manajemen, Dan Bisnis, 2(2), 42–46. https://doi.org/10.70716/emis.v2i2.289

Naim, M., Eikman, A., & Nabila, N. (2025). Pengaruh Digital Marketing dan Kepercayaan Konsumen Terhadap Kepuasan Pembelian di Tiktok Shop. Jurnal Ekonomi & Bisnis, 1(02), 7–23.

Naim, M., & Husni, V. handalusia. (2025). The Influence Of Social Media Facebook, Instagram, And Whatsapp On Increasing Sales Of Msmem Drinks In Mataram City. Jurnal PenKoMi:Kajian Pendidikan & Ekonomi, 8(2), 197–212.

Nguyen, T. T., Ngoc, T., Tran, H., Huyen, T., Do, M., Khanh, T., Dinh, L., Uyen, T., Nguyen, N., Minh, T., & Dang, K. (2024). Digital literacy , online security behaviors and E-payment intention. Journal of Open Innovation: Technology, Market, and Complexity, 10(2), 100292. https://doi.org/10.1016/j.joitmc.2024.100292

Rendanianti, A. (2025). Shopee Jadi Platform Belanja Online Paling Sering Dikunjungi 2025. Goodstats. https://data.goodstats.id/statistic/shopee-jadi-platform-belanja-online-paling-sering-dikunjungi-2025-6gMrM?utm_source=chatgpt.com

Saeed, S. (2023). applied sciences A Customer-Centric View of E-Commerce Security and Privacy. Applied Sciences, 13(13), 2–22. https://doi.org/10.3390/app13021020

Sari, A. R., Akbar, R. F., & Al-farisi, M. A. (2025). Form Doubt to Decision : Exploring the Role of Perceived Risk and Trust in Shaping E-Commerce Purchase Intentions on Shopee Indonesia. International Conference On Digital Business Innovation And Technology Management, 1(2), 735–747.

Singh, N., Lee, S., Misra, R., Wei, Q., Radic, A., & Heesup, H. (2024). An analysis of consumer’s trusting beliefs towards the use of e-commerce platforms. Humanities and Social Sciences Communications, 11(899), 1–18. https://doi.org/10.1057/s41599-024-03395-6

Soleimani, M. (2022). Buyers ’ trust and mistrust in e ‑ commerce platforms : a synthesizing literature review. Information Systems and E-Business Management, 20(1), 57–78. https://doi.org/10.1007/s10257-021-00545-0

Sudaryanto, S., Hanim, A., Dewi, I. R., Dwi, A., & Rusdiyanto, R. (2025). The mediating effect of customer trust of E-WOM and online customer reviews impacting purchase decision of household electronic products at a marketplace : evidence from Indonesia. Cogent Business & Management, 12(1), 1–10. https://doi.org/10.1080/23311975.2025.2503093

sugiyono, Noerdjanah, & Wahyu, A. (2020). Uji Validitas dan Reliabilitas Alat Ukur. Jurnal Keterapian Fisik, 5(1), 55–61.

Tullah, B. A., & Naim, M. (2024). Qris payment flexibility and the security of transactions on purchase choices in electronic commerce and supermarkets. Mantik Journal, 8(3), 2685–4236.

Wang, J., Shahzad, F., Ahmad, Z., Abdullah, M., & Hassan, N. M. (2022). Trust and Consumers ’ Purchase Intention in a Social Commerce Platform : A Meta- Analytic Approach. SAGE Open, 5(4), 1–15. https://doi.org/10.1177/21582440221091262