Pengaruh Kepercayaan dan Manfaat Yang Dirasakan terhadap Niat Menggunakan Kembali dengan Moderasi Religiusitas pada Layanan OVO di Wilayah Surabaya dan Sidoarjo

The Purpose of this study is to examine the extent of the effect of trust, perceived benefit in the continuance intention by moderating religiosity in OVO services. This research methodology uses one hundred thirty respondents collected through questionnaires in the city of Surabaya and Sidoarjo. Respondents responses were analyzed using descriptive analysis through SPSS 16.0 and statistical analysis through WarpPLS 6.0. The results indicate that the trust has a significant positive on continuance intention and perceived benefit has a significant positive on continuance intention. The role of moderating religiosity has a negative effect between trust on continuance intention. The practical implication of this research is for OVO companies to develop their strategies in the future, especially as an evaluation of the performance of OVO services in fintech competition and can provide important information to OVO to be able to build trust and perceived benefit that have an impact on continuance intetntion by moderating religiosity to increase the use of OVO services