*5.2. The Influence of Perceived Benefits on Use Decisions*

The test results in this study prove that the perceived benefits affect the decision to use. This means that usefulness in information technology or finance is the benefits obtained and expected by users in carrying out their activities [27]. Perceived usefulness is defined as where someone believes that using a system can improve their performance. Interpreting the perception of usefulness is the subjective profitability of potential users who use a particular application to facilitate their activities. Research by Kim, Mirusmonov, and Lee [10], and Wardhani [35] and Priyono [3], show that the perception of benefits has a positive and significant effect on the use of technology electronic payment. Perception of benefit is a subjective probability of potential users using a particular application to facilitate the performance of their work. Perception of benefits shows that respondents rate electronic money as providing high benefits, meaning that consumers, in this case users, feel that electronic money provides various advantages in the form of high benefits, such as providing speed and accuracy in transactions, the ability to be used for all forms of transactions of small value or value, used with a high frequency, being practical and easy to use for transactions, and more efficient than cash, thereby having a positive effect on interest in electronic money.
