*2.6. Perceived Risk*

Perception is how a person assesses and pays attention to objects around him. Risk is something that happens because an event does not occur as expected. Another definition of risk is a subjective opportunity for possible losses when deciding to use online transactions [33]. Furthermore, according to Abrahao, perceived risk is a belief that mobile service users will likely be exposed to risk. Perceived risk is also interpreted as a subjective assessment by a person of the likelihood of an accident event and how worried the individual is about the consequences or impacts of the event [34]. The security and confidentiality of information systems are reflected by the existence of management that can prevent, overcome, and protect the system from actions that can be detrimental, such as unauthorized use, intrusion, and information theft [35]. Maciejewski revealed that the risk of a wrong purchase, which accompanies the consumer, is an essential aspect of purchasing decision-making [36]. Furthermore, that risk affects decisions, and the order of the main risks perceived by consumers is financial risk, performance risk, and service risk [37]. Priyono's findings say that the perception of risk hurts the adoption of electronic payment technology. This shows that most users make payment transactions when the situation is favorable and tend to avoid risk, rather than take significant risks [5].

#### *2.7. Usage Decision*

The decision to use services, better known as purc, is part of consumer behavior. The purchasing decision is an action or consumer behavior of whether to make a purchase or transaction or not [36]. In this case, the number of consumers in making decisions is one of the determinants of achieving the company goals. Purchasing decisions are consumer decisions that are influenced by the financial economy, technology, product culture politics, prices, locations, promotions, physical evidence people, and processes to form an attitude in consumers to process all information and draw conclusions in the form of responses that emerge from what products to buy [19]. Through their study on how individuals or groups choose to purchase and use, and how goods and services ideas satisfy their needs and desires, they defined purchasing decisions as part of consumer behavior [35]. Through their research, it can be concluded that the purchase decision is a series of processes for seeking information and evaluating the problem of needs through a particular product or brand, which then leads to a decision to make a transaction or purchase [36]. Furthermore, purchasing decisions are activities where consumers buy and consume a product or service to fulfill their needs and desires [36].
