PENGARUH PERSEPSI KEMUDAHAN, KEPERCAYAAN, RESIKO, LINGKUNGAN, DAN SISTEM INFORMASI AKUNTANSI TERHADAP EFEKTIVITAS APLIKASI BALIPAY DENGAN KEPUASAN SEBAGAI PEMODERASI.

The rapid progress of technology and information has accelerated innovation in the field of education, especially in the field of finance. The popularity of electronic money-based digital payments is increasing along with the development of the Balipay application in Bali. This research aims to determine the influence of perceptions of convenience, trust, risk, environment and accounting information systems on user satisfaction of the Balipay application. This research was conducted at SMA/SMK in Tabanan Regency with a total student population of 1,234 students with a sample of 123 students. Data collection was carried out using questionnaires and interviews. Data analysis was carried out using SEMPLS. The research results found that perceived convenience, perceived trust, perceived risk, perceived environment and accounting information systems had a positive and significant effect on user satisfaction of the Balipay application. [ABSTRACT FROM AUTHOR]