header

Articles

Vol. 1 No. 1 (2026): May

The Role of Privacy in Mediating the Use of GoPay Biometrics in Financial Transactions

Submitted
February 4, 2026
Published
2026-05-01

Abstract

Abstract
Purpose – This study aims to examine the role of privacy in mediating the influence of trust, convenience, perceived value, and security on the intensity of biometric-based digital wallet usage, with GoPay as the case study.
Methodology – This study used an explanatory quantitative design through purposive sampling of 105 GoPay users who use fingerprint authentication. Respondents remained anonymous because personal identities were not collected or recorded, thus ensuring confidentiality and voluntary participation. Data were analyzed using Partial Least Squares–Structural Equation Modeling (PLS-SEM) with SmartPLS 3.0 to evaluate the reliability, validity, and structural relationships between the research variables.
Findings – The results show that convenience, perceived value, and security have a positive and significant effect on privacy perceptions, while trust has no significant effect on privacy. Privacy has a strong and significant effect on usage intensity, confirming its role as the main mediating variable in the research model. Higher privacy perceptions encourage more intensive use of biometric based digital wallets.
Implications – These findings have managerial implications for fintech providers to strengthen privacy protection through enhanced security systems, user-friendly application design, and transparent data governance in order to increase user engagement and sustainable use of biometric-based digital payment services.
Originality – This study integrates the Technology Acceptance Model (TAM), UTAUT2, and Privacy Calculation Theory into a framework to explain the use of biometric-based digital wallets. Focusing on GoPay users in Indonesia, this study provides empirical insights into the mediating role of privacy in fintech adoption.

 

References

  1. Abdul-Halim, N. A., Vafaei-Zadeh, A., Hanifah, H., Teoh, A. P., & Nawaser, K. (2022). Understanding the determinants of e-wallet continuance usage intention in Malaysia. Quality and Quantity, 56(5), 3413–3439. https://doi.org/10.1007/s11135-021-01276-7.
  2. Auliano, A. B., Dongoran, F. L., Ferdiansyah, M. D., Darusman, R., & Fitriansyah, S. (2025). Strategi Manajemen Sekuriti Untuk Meningkatkan Kepercayaan Pengguna Terhadap Transaksi E-Wallet. Journal of Informatic and Information Security, 5(2), 201–212. https://doi.org/10.31599/3p9mf764.
  3. Faridah, N. Z., Kuswati, R. (2024). Peran Kepercayaan Sebagai Pemediasi Pengaruh Kegunaan, Keamanan, Kemudahan Terhadap Adopsi E-Wallet. Jurnal Ilmiah Manajemen Dan Bisnis, 55–77. 10.30606/f90p2n87.
  4. Franque, F. B., Oliveira, T., & Tam, C. (2021). Understanding the factors of mobile payment continuance intention: empirical test in an African context. Heliyon, 7(8), e07807. https://doi.org/10.1016/j.heliyon.2021.e07807.
  5. Hanifah, P. R., Rachbini, W., Transaksi, K., Rekomendasi, N., & Pengguna, L. (2025). Peran Keamanan dan Kualitas Prduk dalam meningkatkan Niat Rekomendasi Pada Pengguna dompet Digital. Neraca Manajemen, Ekonomi, 19(10) https://cibangsa.com/index.php/musytari/article/view/2679.
  6. Hassan, M. A., & Shukur, Z. (2022). Device identity-based user authentication on electronic payment system for secure e-wallet apps. Electronics (Switzerland), 11(1). https://doi.org/10.3390/electronics11010004.
  7. Ismail, T., Sugiono, A., & Subagja, G. (2023). Analisis Penerimaan Pengguna Produk E-Money Gopay Terhadap Minat Menggunakan Go-Pay Di Bandar Lampung. Jurnal Kompetitif Bisnis, 1(Vol 1 No 12 (2023): Jurnal Kompetitif Bisnis), 8–11. https://jkb.fisip.unila.ac.id/index.php/jkb/article/view/232/148.
  8. Jannah, M., Hidayat, M. F., Agustiyyani, M., Buana, P. W., & Purwani, F. (2024). Implementasi Autentikasi Biometrik Untuk Meningkatkan Keamanan Dan Privasi Pengguna Dompet Digital. Journal of Scientech Research and Development, 6(2), 531–539. https://doi.org/10.56670/jsrd.v6i2.606.
  9. Kajol, K., Singh, R., & Paul, J. (2022). Adoption of digital financial transactions: A review of literature and future research agenda. Technological Forecasting and Social Change, 184(August), 121991. https://doi.org/10.1016/j.techfore.2022.121991.
  10. Khoiriah, S., Salsabila, A., Camberra, D. D., Syafri, E., Layyin, H. L., Fathurrahman, R., & Marjohan, M. (2025). Keamanan dan Privasi dalam Keuangan Digital. Jurnal Publikasi Sistem Informasi Dan Manajemen Bisnis, 4(2), 409–418. https://doi.org/10.55606/jupsim.v4i2.4524.
  11. Kusuma, K. N., Purwinarti, T., & Mariam, I. (2021). Pengaruh Perceived Ease Of Use Dan Perceived Security Terhadap Minat Menggunakan Gopay. Seminar Nasional Riset Terapan Administrasi Bisnis Dan MICE, 10(1), 358–368.
  12. Liébana-Cabanillas, F., Kalinic, Z., Muñoz-Leiva, F., & Higueras-Castillo, E. (2024). Biometric m-payment systems: A multi-analytical approach to determining use intention. Information and Management, 61(2). https://doi.org/10.1016/j.im.2023.103907.
  13. Marakalala, M. C. (2023). Forensic Intelligence: The Effectiveness of the Biometric-based Solution to Combat Mobile Fraud. OIDA International Journal of Sustainable Development, 16(5), 19–30.
  14. Mulyana, S. L. (2025). Implementasi Cyber Security Dalam Sistem. Jurnal Ilmiah Ekonomi Manajemen Bisnis Dan Akuntansi, 2(4), 276–289.
  15. Mulyawan, S. K. Z., & Sharif, O. O. (2022). Analisis Customer Value Index dalam Menggunakan Mobile Payment di DKI Jakarta. Jurnal Nusantara Aplikasi Manajemen Bisnis, 7(1), 54–72. https://doi.org/10.29407/nusamba.v7i1.16179.
  16. Pattnaik, D., Ray, S., & Raman, R. (2024). Applications of artificial intelligence and machine learning in the financial services industry: A bibliometric review. Heliyon, 10(1), e23492. https://doi.org/10.1016/j.heliyon.2023.e23492.
  17. Prawira, F. R., Prakoso, N. T., Handayani, P. W., & Harahap, N. C. (2024). The influence of information security factors on the continuance use of electronic wallet. Procedia Computer Science, 234(2023), 1467–1475. https://doi.org/10.1016/j.procs.2024.03.147.
  18. Putri, P. A., Prasetyo, S. A., & Ageng, A. S. R. (2024). Analisis Pengaruh Keamanan Dan Kemudahan Dalam Penggunaan E-Wallet Gopay. Senatib, 531–536.
  19. Rhois, M. N. M., Rachmadi, A., & Wijoyo, S. H. (2024). Analisis Faktor yang Memengaruhi Perilaku Penggunaan Aplikasi GoPay: Transfer & Payment Mempergunakan Model Unified Theory Of Acceptance And Use Of Technology (UTAUT). Jurnal Pengembangan Teknologi Informasi Dan Ilmu Komputer, 8(8), 1–13.
  20. Sahabuddin, R., Azhari, A., Manggarani, S., Ramadhani, F. A., Astuty, L. M., & Purnama, A. (2025). Pengaruh Kemudahan, Keamanan, Promosi, Dan Kepercayaan Penggunaan Dompet Digital Di Kalangan Masyarakat. Jurnal Rumpun Manajemen Dan Ekonomi, 2(3), 409–420. https://ejurnal.kampusakademik.co.id/index.php/jrme/article/view/4536.
  21. Saputri, V. D. (2023). Implementation Of Biometric-Based Security System On Mobile Banking Application. Jurnal Komputer Indonesia, 2(1), 25–32. https://doi.org/10.37676/jki.v2i1.565.
  22. Sasongko, D. T., Handayani, P. W., & Satria, R. (2021). Analysis of factors affecting continuance use intention of the electronic money application in Indonesia. Procedia Computer Science, 197(2021), 42–50. https://doi.org/10.1016/j.procs.2021.12.116.
  23. Secinaro, S., Lanzalonga, F., Oppioli, M., & de Nuccio, E. (2025). The effects of disruptive technologies on accountability in fintech industry: Using bibliometric analysis to develop a research agenda. Research in International Business and Finance, 76(May 2023). https://doi.org/10.1016/j.ribaf.2025.102816.
  24. Sethi, M., Bohra, N. S., Johri, A., & Asif, M. (2025). Emerging dimensions in Fintech: Insights from bibliometric analysis. Digital Business, 5(1). https://doi.org/10.1016/j.digbus.2025.100113.
  25. Simanjuntak, I. G., Saputra, M. H., Melisa, Manurung, I. S., Cristhian, I., & Lim, V. (2024). Analisa Pengaruh Kemudahan, Kepercayaan dan Keamanan terhadap Kepuasan Pengguna Aplikasi Dana. Ekraf: Jurnal Ekonomi Kreatif Dan Inovatif Indonesia, 1(2), 102–113. https://doi.org/10.59965/ekraf.v1i2.60.
  26. Wang, K.-H. (2025). Beyond digital finance: The impact of internet banking adoption on subjective life satisfaction. Finance Research Open, 1(2), 100012. https://doi.org/10.1016/j.finr.2025.100012.
  27. Widiyanto, M. (2024). Implementasi Fingerprint Dan Algoritma Riverst Shamir Adleman Untuk Kemanan Data. Jurasik (Jurnal Riset Sistem Informasi …, 9, 847–855. http://ejurnal.tunasbangsa.ac.id/index.php/jurasik/article/view/816%0Ahttp://ejurnal.tunasbangsa.ac.id/index.php/jurasik/article/download/816/790.
  28. Widyaretno, N., & Indriyanti, A. D. (2023). Analisis Penerimaan Pengguna terhadap Penerapan Biometric Authentication pada Shopee-Pay menggunakan Metode UTAUT. Journal of Emerging Information Systems and Business Intelligence, 4(04), 17–25. https://ejournal.unesa.ac.id/index.php/JEISBI/article/view/56007.
  29. Wiguna, I. N. A., Zebua, D., Lopez, V. M. D., Nastiti D. W., Daud, C. T. P., & Sihombing, M. I. (2025). Pelatihan Penggunaan Aplikasi Smart Pls Sebagai Alat Pengolahan Data Penelitian Mahasiswa. Jurnal Abdimas Sosek (Jurnal Pengabdian dan Pembardayaan Masyarakat), 5(1), 1–4.
  30. Zarco, C., Giráldez-Cru, J., Cordón, O., & Liébana-Cabanillas, F. (2024). A comprehensive view of biometric payment in retailing: A complete study from user to expert. Journal of Retailing and Consumer Services, 79(February 2024). https://doi.org/10.1016/j.jretconser.2024.103789.

Downloads

Download data is not yet available.