Gen Z Perception in Samarinda, East Kalimantan Towards the Use of Cashless Payment from a Sharia Economic Perspective

Abstract

With the growth and advancement of technology, payment systems now offer more practical methods, such as cashless payments. Consumers are increasingly satisfied when they get fast service and convenience in transactions. This study aims to explore the perceptions of Generation Z from the perspective of Islamic economics in Samarinda City, East Kalimantan, regarding the use of cashless payments. The main focus of this research is on the perception of security and convenience offered by non-cash payment systems in the context of Islamic economics. This study uses a qualitative descriptive approach, the population in this study is generation z and the sample is 43 generation z who use cashless payment systems. Data was collected through questionnaires distributed to respondents who are members of Generation Z, born between 1997 and 2012. The results showed that the majority of respondents pointed out the convenience and security offered by the cashless payment system. However, their understanding of sharia economic principles in the use of cashless payment is still limited. Therefore, further education on cashless payment systems that comply with sharia principles is needed to increase Gen Z's trust and acceptance in using this technology. Through this research, it is hoped that a deeper understanding of how Generation Z perceives and accepts cashless payments can be obtained, as well as the factors that influence their decision to make non-cash transactions. This research is expected to provide insights for the development of payment systems that are more in line with sharia values.