https://journal.ubaya.ac.id/index.php/JIBT <p style="text-align: justify;">Journal Bisnis Terapan&nbsp;(Journal of Applied Business) is an online and printed journal published by Politeknik Ubaya, Surabaya. This journal is published 2 (two) times a year, every June and December. The online version of the JBT journal was first published in August 2017. This journal (JBT) is a national-level scientific journal, containing scientific articles on the results of research, studies, and book reviews from lecturers as well as Professionals or Practitioners in the fields of applied management, marketing management, professional selling, accounting, secretariat, business administration, taxation, taxation management, business english, entrepreneurship, office management, business management, tax accounting, and others. This journal accepts articles either in Indonesian or English language There&nbsp;is no fees for articles that are processed and published.</p> en-US <p><a href="http://creativecommons.org/licenses/by-nc-sa/4.0/" rel="license"><img style="border-width: 0;" src="https://i.creativecommons.org/l/by-nc-sa/4.0/88x31.png" alt="Lisensi Creative Commons"></a><br>Ciptaan disebarluaskan di bawah <a href="http://creativecommons.org/licenses/by-nc-sa/4.0/" rel="license">Lisensi Creative Commons Atribusi-NonKomersial-BerbagiSerupa 4.0 Internasional</a>.</p> <ul> <li> <p>Articles published in Jurnal Bisnis Terapan are licensed under a <a href="https://creativecommons.org/licenses/by-sa/4.0/" rel="license">Creative Commons Attribution-NonCommercial-ShareAlike 4.0 International</a> (CC BY-NC-SA 4.0) license, which permits anyone to copy, transform, or redistribute articles for any lawful purpose in any medium, provided appropriate credit is given to the original author(s) and Jurnal Bisnis Terapan is recognized as its original publisher. A link to this license should also be provided. Any derivative work of an article published in Jurnal Bisnis Terapan must also be shared under the same (or compatible) license.</p> </li> <li> <p>Both copyright and publishing rights on articles are retained by the respective author(s), without restrictions. Only a non-exclusive license is granted to Jurnal Bisnis Terapan to publish the article and identify itself as its original publisher.</p> </li> </ul> gasparbesin79@gmail.com (Besin Gaspar) yariongko@staff.ubaya.ac.id (Yudistira Putra) Thu, 26 Jun 2025 06:46:42 +0000 OJS 3.1.2.4 http://blogs.law.harvard.edu/tech/rss 60 https://journal.ubaya.ac.id/index.php/JIBT/article/view/6899 <p><em>This research on electronic money aims to determine the factors that influence purchasing decisions. The factors is benefits, convenience and security factors. Of these three factors, which factor has the most influence on purchasing decisions using Gopay. The method used in this study was through a questionnaire distributed to 55 respondents consisting of employees and students of the University of Sultan Ageng Tirtayasa ranging in age from 17 to 50 years. Male respondents were 48.1 percent, while female respondents were 51.9 percent. The analytical tool used in this research is multiple linear regression. The results of the Summery model on SPSS, the amount of adjusted R² is 0.582, 58.2 percent of the variation in purchasing decisions can be explained by variations of the three independent variables, namely the benefit factor, the convenience factor and the safety factor. While the remaining 41.8 percent is explained by other reasons outside the model. The results of this study include the benefits and security factors significantly influence the purchase decision.</em></p> Arum wahyuni Purbohastuti Copyright (c) 2025 The Author(s) http://creativecommons.org/licenses/by-nc-sa/4.0 https://journal.ubaya.ac.id/index.php/JIBT/article/view/6899 Thu, 26 Jun 2025 00:00:00 +0000