The Effectiveness of Blockchain Integration in Digital Payment Systems on Transparency and User Experience
-
Eillin Lay
*
Universitas Universal, Batam,
Indonesia
- Ibnu Harris Universitas Universal, Batam, Indonesia (*) Corresponding Author
Abstract
The development of blockchain technology has created new opportunities to improve the quality of digital payment systems through greater transparency, ease of use, and transaction efficiency. These aspects are considered important factors in shaping user experience when utilizing digital payment services. Therefore, this study aims to examine the influence of perceived transparency, perceived ease of use, and transaction efficiency on user experience in blockchain-integrated digital payment systems. This study employed a quantitative approach by collecting data through an online questionnaire distributed to 407 respondents. The collected data were analyzed using multiple linear regression with the R programming language through the Kaggle platform. The results indicate that perceived transparency, perceived ease of use, and transaction efficiency have a positive and significant effect on user experience, with regression coefficients of 0.333, 0.255, and 0.205, respectively. These findings suggest that improving transparency, usability, and transaction efficiency in blockchain-based digital payment systems can enhance the overall user experience.
Downloads
References
Agustiana, U. Z. (2024). Pemanfaatan Blockchain untuk Meningkatkan Keamanan Siber dalam Pembayaran Lintas Batas di Industri Fintech. Jurnal Bisnis, Ekonomi Syariah, Dan Pajak, 1(4), 206–215. https://doi.org/10.61132/jbep.v1i4.738
Alrehaili, A., White, M., & Beloff, N. (2025). Empowering the adoption of blockchain-based cryptocurrency as a payment method: A user-friendly educational approach. IET Blockchain, 5(1). https://doi.org/10.1049/BLC2.70002
Archibong, E. E., Stephen, B. U.-A., & Asuquo, P. (2024). Analysis of Cybersecurity Vulnerabilities in Mobile Payment Applications. Archives of Advanced Engineering Science, 1–12. https://doi.org/10.47852/bonviewaaes42022595
awanpintar.id. (2025). Publikasi Laporan Ancaman Digital di Indonesia. https://www.awanpintar.id/publikasi/
bi.go.id. (2024). Blueprint Sistem Pembayaran Indonesia. https://www.bi.go.id/id/fungsi-utama/sistem-pembayaran/blueprint/default.aspx
Bitstamp. (2022, July 30). What is a blockchain? https://www-bitstamp-net.translate.goog/learn/blockchain/what-is-a-blockchain/?_x_tr_sl=en&_x_tr_tl=id&_x_tr_hl=id&_x_tr_pto=imgs
Bungin, B. (2017). Metodologi Penelitian Kuantitatif : Komunikasi, Ekonomi, dan Kebijakan Publik Serta Ilmu-ilmu Sosial Lainnya. Kencana. //digilib.alfithrah.ac.id%2Findex.php%3Fp%3Dshow_detail%26id%3D31%26keywords%3D
Domashenko, S., Hres-Yevreinova, S., Zadoia, Y., Starostenko, D., & Salin, S. (2023). Blockchain and fintech technologies in the digital space of financial and industrial companies. Sustainable Engineering and Innovation, 5(2), 281–302. https://doi.org/10.37868/SEI.V5I2.ID232
Drody, A. C., Pereira, E. J., & Smilek, D. (2023). A Desire For Distraction: Uncovering The Rates Of Media Multitasking During Online Research Studies. Scientific Reports, 13(1). https://doi.org/10.1038/S41598-023-27606-3
Fang, C., Ullah, N., Batumalay, M., Al-Rahmi, W. M., & Alblehai, F. (2025). Blockchain technology and its impact on sustainable supply chain management in SMEs. PeerJ Computer Science, 11, e2466. https://doi.org/10.7717/PEERJ-CS.2466/SUPP-1
Ferdiansyah, M. F., Hasan Hafidzi, A., Umamy, S. H., Ekonomi, F., Bisnis, D., & Jember, U. M. (2024). The Influence Of Perception Of Easy And Perception Of Benefit On Intention To Use Financial Technology As A Tool Of Payment Among Students In The City Of JEMBER. Dynamic Management Journal, 8(1), 14–28. https://doi.org/10.31000/DMJ.V8I1.10051
Ghunaimi, H. Al, Almaqtari, F. A., Wesonga, R., & Elmashtawy, A. (2025). The Rise of FinTech and the Journey Toward a Cashless Society: Investigating the Use of Mobile Payments by SMEs in Oman in the Context of Vision 2040. Administrative Sciences 2025, Vol. 15, Page 178, 15(5), 178. https://doi.org/10.3390/ADMSCI15050178
Gitobu, C., & Ogetonto, J. (2024). Harnessing Artificial Intelligence (AI) and Blockchain Technology for the Advancement of Finance Technology (FinTech) in Businesses. Proceedings of London International Conferences, (11), 196–210. https://doi.org/10.31039/PLIC.2024.11.244
Hundekari, S., Upadhyay, J., Shrivastava, A., Bansal, S., & Jain, A. (2025). Cybersecurity Threats in Digital Payment Systems (DPS): A Data Science Perspective. Journal of Information Systems Engineering and Management, 10(13s), 491–503. https://doi.org/10.52783/JISEM.V10I13S.2104
Kasri, R. A., Indrastomo, B. S., Hendranastiti, N. D., & Prasetyo, M. B. (2022). Digital payment and banking stability in emerging economy with dual banking system. Heliyon, 8(11). https://doi.org/10.1016/j.heliyon.2022.e11198
Kesavan, V., & Srinivasan, K. S. (2023). Present State and Future Directions of Digital Payments System: A Historical and Bibliographic Examination. International Journal of Professional Business Review, 8(6), e02317. https://doi.org/10.26668/businessreview/2023.v8i6.2317
Kukman, T., & Gričar, S. (2025). Blockchain for Quality: Advancing Security, Efficiency, and Transparency in Financial Systems. FinTech 2025, Vol. 4, Page 7, 4(1), 7. https://doi.org/10.3390/FINTECH4010007
Martinez, D., Magdalena, L., & Savitri, A. N. (2024). AI and Blockchain Integration: Enhancing Security and Transparency in Financial Transactions. International Transactions on Artificial Intelligence, 3(1), 11–20. https://doi.org/10.33050/ITALIC.V3I1.651
Munandar, A., Huda, N., & Nurulrahmatiah, N. (2025). Pengaruh Teknologi Blockchain terhadap Kepercayaan dan Efisiensi Transaksi di Sektor Perbankan: Indonesia. Jurnal Publikasi Manajemen Informatika, 4(1), 01–17. https://doi.org/10.55606/JUPUMI.V4I1.3434
Norbu, T., Park, J. Y., Wong, K. W., & Cui, H. (2024). Factors Affecting Trust and Acceptance for Blockchain Adoption in Digital Payment Systems: A Systematic Review. In Future Internet (Vol. 16, Number 3). Multidisciplinary Digital Publishing Institute (MDPI). https://doi.org/10.3390/fi16030106
Norbu, T., Park, J. Y., Wong, K. W., & Cui, H. (2025). Understanding Consumer Acceptance for Blockchain-Based Digital Payment Systems in Bhutan. Future Internet 2025, Vol. 17, Page 134, 17(4), 134. https://doi.org/10.3390/FI17040134
Novák, J. Š., Masner, J., Benda, P., Šimek, P., & Merunka, V. (2024). Eye Tracking, Usability, and User Experience: A Systematic Review. International Journal of Human-Computer Interaction, 40(17), 4484–4500. https://doi.org/10.1080/10447318.2023.2221600
Nussir, N. A., Wahaab, N. abdul R. abdul, & Antar, S. T. (2025). Blockchain and its role in narrowing the banking sector Efficiency and effectiveness of banking services. International Journal of Innovative Research and Scientific Studies, 8(6), 1229–1235. https://doi.org/10.53894/ijirss.v8i6.9902
Pandey, V., & Kushwaha, G. S. (2025). From risk minimisation to trust building: an empirical study on blockchain technology in digital payment system. Journal of Modelling in Management, 20(4), 1351–1376. https://doi.org/10.1108/JM2-03-2024-0080
Qin, X. (2025). The Application and Challenges of Blockchain Technology in Cross Border Payment Systems. Advances in Economics, Management and Political Sciences, 203(1), 50–56. https://doi.org/10.54254/2754-1169/2025.CAU25655
Safira, J. L., Kasofi, A., Usman, O., & Parlyna, R. (2026). The Effect of Perceived Security and Perceived Ease of Use on Consumers’ Behavioral Intention Mediated by Trust in Digital Payment Users. Journal of Digital Business and Global Economy, 2(1). https://doi.org/10.64243/jodigbi.02.1.03
Satoto, E. B., Qomariah, N., & Yandari, A. D. (2025). Financial Inclusion, Stability, and Governance in the Era of Digital Currencies. https://journal.idscipub.com/moneta
Tan, T. M., & Saraniemi, S. (2022). Trust in blockchain-enabled exchanges: Future directions in blockchain marketing. Journal of the Academy of Marketing Science, 51(4), 914–939. https://doi.org/10.1007/S11747-022-00889-0/TABLES/5
Tang, Q., Shang, H., Kong, Y., & Sun, S. (2023). International Journal of Education and Humanities Promoting the Digital Transformation of The Payment Industry Based on Blockchain Technology. https://doi.org/10.19644/j.cnki.issn2096-1472.2023.012.001
Tyagi, V., & Beri, Y. (2025). Blockchain - Integrated Digital Payment Systems in the Public Sector: Innovation, Transparency, and Economic Efficiency in Emerging Markets. Proceedings of The International Conference on Research in Management and Economics, 2(1), 102–121. https://doi.org/10.33422/imeconf.v2i1.916
Völter, F., Urbach, N., & Padget, J. (2023). Trusting the trust machine: Evaluating trust signals of blockchain applications. International Journal of Information Management, 68, 102429. https://doi.org/10.1016/J.IJINFOMGT.2021.102429
Yulianti, A. E., & Ghina, A. (2025). Optimizing User Experience in Digital Payments: The Case of Finpay Money. International Journal of Innovation in Engineering, 4(4), 1–27. https://doi.org/10.59615/IJIE.4.4.1
Zhang, Y. (2024). Center Digital Payment Systems and Their Impact on Global Economic Trends. Business, Economics and Management GEFHR, 2024.
Bila bermanfaat silahkan share artikel ini
Berikan Komentar Anda terhadap artikel The Effectiveness of Blockchain Integration in Digital Payment Systems on Transparency and User Experience
Pages: 902-911
Copyright (c) 2026 Eillin Lay, Ibnu Harris
This work is licensed under a Creative Commons Attribution 4.0 International License.
Authors who publish with this journal agree to the following terms:
- Authors retain copyright and grant the journal right of first publication with the work simultaneously licensed under Creative Commons Attribution 4.0 International License that allows others to share the work with an acknowledgment of the work's authorship and initial publication in this journal.
- Authors are able to enter into separate, additional contractual arrangements for the non-exclusive distribution of the journal's published version of the work (e.g., post it to an institutional repository or publish it in a book), with an acknowledgment of its initial publication in this journal.
- Authors are permitted and encouraged to post their work online (e.g., in institutional repositories or on their website) prior to and during the submission process, as it can lead to productive exchanges, as well as earlier and greater citation of published work (Refer to The Effect of Open Access).
