Research Paradigm

Based on the framework of thinking, it can be described in Figure 3 that the relationship of the independent variable and the dependent variable is as follows:

**Figure 3.** Research Paradigm.


#### **3. Materials and Methods**

The current research involved research objects in the form of Indonesian students who had conducted transactions using Go-Pay at Warunk Upnormal Bandung, West Java, Indonesia. The research method will determine the strategy to achieve research objectives that have been set, and acts as a guide for researchers throughout the research process. With this design, a clear description of the relationship between variables, data collection, and data analysis is enabled, so that with a good design, researchers and other interested people have an idea of how the interrelationships between variables are, how to measure them, and so on [34]. Furthermore, the research technique used is the descriptive verification method. Meanwhile, convenience sampling and random sampling are used to obtain the research samples. Convenience sampling is a sampling technique based on chance [35]. In this case, the samples are any people the researcher met by chance who matched the

sample criteria: customers who used Go-Pay at Warunk Upnormal of Dipatiukur Bandung City, as many as 100 respondents. In this study, the data collection used by the researcher comprised online questionnaires to students or, with the convenience sampling technique, anyone who agreed to provide the required information to the researcher, either directly or indirectly, and who was registered as a student, aged 15–45 years old, used the GoPay e-wallet in payment transactions, and registered as an Indonesian citizen, could be used as a sample in this study if the respondent is suitable as a data source.
