THE IMPACT OF USEFULNESS PERCEPTION, EASINESS PERCEPTION, TRUST AND SECURITY ON INTEREST TO USE FLAZZ BCA ELECTRONIC MONEY.

This study aims to analyze the impact of usefulness perception, easiness perception, trust, and security on interest to useFlazz BCA electronic money. The variables tested in this study consisted of usefulness perception, easiness perception, trust, and security as independent variables and interest to useFlazz BCA electronic money as the dependent variable. The population in this study consisted of Flazz BCA electronic money users. Determination of the research sample using purposive sampling method and obtain a sample of 100 respondents based on certain criteria. The results show that usefulness perception, easiness perception, trust, and security simultaneously have an influence on interest to useFlazz BCA electronic money. In addition, this study proves that partially easiness perception and trust affect the interest to useFlazz BCA electronic money, while usefulness perception and security do not partially affect interest to useFlazz BCA electronic money. of the t t usefulness 0.117 1.985 significance level of it can concluded that usefulness significant impact on interest to use Flazz BCA Electronic Money. Thus it can be concluded that H1 is rejected. of that the perception which consists of indicators of speed of practical payments, cannot determine how will interested in using Flazz The to use is not always influenced by usefulness perception have, but influenced by other factors.

The number of users and electronic money transactions due to toll electronification shows t he most significant increase. PT Bank Central Asia, Tbk (BCA) recorded an increase in Flazz electronic money transactions from October 1, 2017 to October 20, 2017 by 20 times compared to September. Based on data released by BCA, in the October 2017 period, the number of Flazz t ransactions reached 540 b illion transactions. Whereas in the September period, the number of transactions was only 21 billion. This increase was due to the toll electronification program in Indonesia.
In October 2017, the average of Flazz t ransaction was recorded at Rp 24 billion per month. Fro m this transaction, around 60 percent are still in public t ransportation segment such as Transjakarta and KRL Co mmuter. Along with the imp lementation of toll electronification, transactions in t his segment also grew quite large. Fo r toll electronification, BCA has added 345,000 cards sold at toll booths. The number of BCA Flazz cards is more than 13 million. As an illustration, BCA's market share in non-cash transactions on tolls compared to other state-owned banks is already reach 28 percent (KOM PAS, 2017).

Bank
Banks are business entities that are engaged in finance whose main tasks include raising funds from the public in the form of demand deposits, savings deposits, and time deposits or other forms that are equated with it and channeling it to the public, providing credit and other banking services both domestically and abroad to meet the needs of it's customers . The main function of banks is to become the financial intermediary between fund supplier and fund user. In addition, banks also play a part as an institution which accelerates the flow of traffic pay ment (Riyadi and Hadiyati, 2012). Riyadi and Hadiyati (2012) exp lained that banks have three operational activit ies: 1. Collecting funds from the public that have excess funds (surplus units) in the form of deposit products such as demand deposits, savings deposits, time deposits and certificates of deposit. 2. Distributing funds to the public who need funds (unit deficit) to dis burse loans or financing. 3. Selling financial services products with the aim of help ing swift transactions carried out by the community. 4. The activity of collecting and distributing funds is the main banking activity. While the activity of selling financial services products is only a support of the two activities above.

Usefulness Perception
Benefit perception can be defined as the level of one's belief in the usefulness of certain information systems and technologies that will improve achievement in the work process. Davis (in Natalia, 2016) stated that the perception of benefits is the degree of user's confidence in a benefit that can improve their performance after using a technology/system. If the positive benefits of using information technology are kno wn, people will use it as stated by Thompson and Ann (in Natalia, 2016). Davis (in Langelo, 2013) stated that easiness perception, in contrast refers to the degree to which a person believes that using a particular system would be free of effort. Th is follow with the definit ion fro m Radner and Rothschild (in Sigar, 2016) that ease means freedo m fro m difficulty or g reat effort. Effort is a fin ite resource that person may allocate to the various activities for which he or she is responsib le.

Trust
Trust is defined by Yousafzaiet al., (in Teohet al., 2013) as a function of the degree of risk involved in financial transactions and the outcome of trust reduced risk which can leading people intention to be positive toward electronic pay ment adoption.

Security
According to Tsiakis and Sthephanides (in Teohet al., 2013) security is a set of procedures and programs to verify the informat ion source and guarantee the integrity and privacy of the information. While in the research of Park and Kim (in Quthbi, 2016) security is defined as the ability of a technology system to control and safeguard secu rity of data used for transactions.

Interest to Use
According to Ajzen and Martin (in Natalia, 2016) interest to use is the desire of someone to do certain behaviors. While Davis, Bagozzi, and Warshaw (in Natalia, 2016) stated that interest in a behavior can be used to measure the level of strength of individual interest in carrying out certain behaviors. Therefore, interest in using can be defined as a person's tendency to use technology as a result of an increase in the benefits of technology that has be en used several times in doing wo rk.

Hypothesis
Sekarini and Sukresna's (2016) research show that usefulness perception significantly affects interest to use electronic money. This is also in accordance with the results of Susilo, Ariyanti, danSumrahadi's (2017) research.
The mo re a person know about the usefulness of electronic money, then someone will be more often using electronic money to support their finance activities.

H1 : Usefulness Percepti on has a significant impac t on Interest in Using Electronic Money
Saidani, Raras, and Aditya's (2018) research show that easiness perception significantly affects interest to use electronic money. This is also in accordance with the results of Fitriana and Wingdes's (2016) research. The more a person know about the easiness of using electronic money, then someone will be more co mfo rt and enjoy using electronic money for their daily transactions.

H2 :Easiness Perception has a significant i mpac t on Interest in Using Electronic Money
Ro madloniyah and Pray itno's (2018) research show that trustvariable significantly affects interest to use electronic money. This is also in accordance with the results of Wibowo, Rosmauli, and Suhud's (2015) research. Trust is very important to improve in order to facilitate electronic payments because of the high level of uncertainty and risk that exists in most online transactions. If the user's trust increases, it is expected that the use of electronic money for daily transactions will also increase so that the non-cash society can be realize.

H3 : Trust has a significant impac t on Interest in Using Electronic Money
According to Ramadhan, Prasetyo, and Irviana's (2016) research security variable significantly affects interest to use electronic money. This is also in accordance with the results of Ting et al.,(2016) research. The consumers will be willing to provide personal information and will use technology with a feeling of security when the level of security's guarantee is acceptable and in accordance with consumer expectations.

H4 : Security has a significant i mpact on Interest in Using Electronic Money Data and Methodology:-
In this study, the method used survey method which is activ ities that include data collection in order to test hypotheses or answer statements concerning the conditions that are in accordance with this research.
The research design then continued using quantitative research. According to Sugiyono (2015), quantitative research is a research method based on positivism philosophy, used for research on certain populations or samples, sampling techniques are generallydone purposively, data collection using research instruments, quantitative data analysis or statistics with the aim of testing predetermined hypothesis.
The population in this study wereFlazz BCA electronic money users. Total of the users was not known exactly. By calculating the sample size wh ich was done using the estimation interval method, the sample results were 96,04 rounded up to be 96 respondents. But happened to be 100 respondents whose fil l the questionnaires. So, this  The regression coefficient for usefulness perception (UP) is 0,117. Th is indicates that if the value of usefulness perception has increased 1, it will be followed by an increase in interest to us e (IU) Flazz BCA electronic money by 0,117.
The regression coefficient for easiness perception (EP) is 0,209. This indicates that if the value of easiness perception has increased 1, it will be followed by an increase in interest to us e (IU) Flazz BCA electronic money by 0,209.
The regression coefficient for trust (T) is 0,478. This indicates that if the value of trust has increased 1, it will be followed by an increase in interest to use (IU) Flazz BCA electronic money by 0,478. The regression coefficient for security (S) is 0,175. This indicates that if the value of security has increased 1, it will be follo wed by an increase in interest to us e (IU) Flazz BCA electronic money by 0,175.

Usefulness Perception Impacts On Interest to Use Electronic Money
The results of the t test showed that the t value of the usefulness perception variable was 0.117 < 1.985 with a significance level of 0.349 > 0.050 so that it can be concluded that usefulness perception has no significant impact on interest to use Flazz BCA Electronic Money. Thus it can be concluded that H1 is rejected.
The result of this study indicate that the usefulness perception which consists of indicators of speed of transactions, practical pay ments, and helping daily activ ities cannot determine how users will be interested in using Flazz BCA electronic money. The interest to use electronic money is not always influenced by the usefulness perception they have, but also influenced by other factors.

Easiness Percepti on Impacts On Interest to Use Electronic Money
The results of the t test showed that the t value of the easiness perception variable was 0.209 > 1.985 with a significance level of 0.047 < 0.050 so that it can be concluded that usefulness perception have a significant impact on interest to use Flazz BCA electronic money. Thus it can be concluded that H2 is accepted.
This research is in line with the research of Sigar (2016) which explains that perceived ease of use has a significance influence on intention to use electronic money. This imp lies that easiness perception highly influences interest to use electronic money, that mean the more people perceived electronic money as ease to use, the access to the merchants that provided payment method with electronic money is easy to find then their intention and willingness to use the product will more increases. A person may feel encouraged to use electronic money because they felt electronic money is easy to use.

Trust Impacts On Interest to Use Electronic Money
The results of the t test showed that the t value of the trust variable was 2.626 > 1.985 with a signif icance level of 0.010 < 0.050 so that it can be concluded that trust have significant impact on interest to use. Thus it can be concluded that H3 is accepted.
This research is in line with the research of Teohet al., (2013) wh ich explains that trust has a significance influence on intention to use electronic money. This implies that trust highly influences interest to use electronic money, that mean the more people perceived electronic money as save to used. This happens because users feel comfortable when using Flazz BCA electronic money because of the advantages they have so that transaction activities at merchants that cooperate with the Flazz card network are easier to do and users believe that the money that increases or decreases when transacting is definitely accurate in no minal.

Security Impacts On Interest to Use Electronic Money
The results of the t test showed that the t value of the security variable was 1.882 < 1.985 with a significance level of 0.063 > 0.05 so that it can be concluded that security had no significant impact on interest to use. Thus it can be concluded that H4 is rejected.
The result of this study indicate that the securities which consists of indicators of protection from fraudulent transactions and security of balance on the electronic money cannot determine how users will be interested in using Flazz BCA electronic money. The interest to use electronic money is not always influenced by the safety perception they have, but also influenced by other factors.

Conclusion:-
Based on the data that has been collected and the results of the test that have been carried out, it can be concluded as follows: Usefulness perception does not have a significant influence on interest to use because users lack feeling the benefits of using Flazz cards, especially in terms of t ransaction speed at BCA partner merchants because they still need to wait for the funds to be processed long enough when doing transaction at the time BCA Flazz network's problem occurs.
Easiness perception significantly influence on interest to use electronic money. This happens because transactions at merchants that work with BCA using Flazz electronic money are easy. On ly by tapping cards to EDC (Electronic Data Capture) devices, the transaction will be processed.
Trust has a significant effect on interest to use electronic money. This happens because users feel comfortable when using Flazz BCA electronic money since the advantages, like easy to use and easy to bring so that transaction activities at merchants that cooperate with the Flazz card network are easier to do and users believe that the increases or decreases balance when transacting is definitely accurate.
Security has no significant effect on interest to use electronic money. This is because users only views the easiness which provided without knowing security feature is in the Flazz BCA electronic money system. In addit ion, users also assume that their balance will not be protected because if the card is lost while transacting, the balance in the electronic money will also be lost.

Recommendation:-
Usefulness Perception; In terms of usefulness perception, BCA needs to survey customers to find out what benefits are expected from consumers so that they are willing to continue using Flazz products so that th e use of BCA Flazz cards increases. This needs to be done so that payment transactions using Flazz BCA are increasingly in demand by the public, not just to make pay ments at automatic toll gates or paying for public transportation but also for other transactions.
Easiness Perception; In terms of easiness perception, these variables have a strong influence on consumer decisions to use a product so that electronic money publishers need to pay attention to things that can influence consumer behavior based on the convenience and easiness to use they obtained. Changes in consumer behavior can be influenced, among others, by technological developments, the increase in consumer economic income, and lifestyle. BCA must continue to analyze consumer behavior on a reg ular basis to be able to adjust to dynamic consumer behavior so that people are want continuing to use Flazz products.
Trust; The bank is expected to provide awareness to Flazz BCA e-money users about the trust in the use of e-money cards so that users can understand the trust given by BCA to Flazz users.
Security; Flazz card publisher are also expected to be able to add balance security features on the Flazz card. In addition, consumers also hope the issuer of electronic money will be able to create a security system to track the whereabouts of Flazz cards when the cards are lost so there is a possibility that the lost cards can return to their owners so that the owners not lose the money they payed for it.