Payment security and efficiency: Strengthening consumer trust in halal food purchases through Shopeefood user experience
-
Ryan Putra Ardiyansyah(1*)
Management Department, Faculty of Economics and Business, Universitas Muhammadiyah Surakarta
-
Muhammad Sholahuddin(2)
Management Department, Faculty of Economics and Business, Universitas Muhammadiyah Surakarta
(*) Corresponding Author
Keywords:
Consumer Trust, Digital Transaction Security, Efficient Payment System, Halal Food, User Experience
Abstract
This study aims to examine the effects of digital transaction security and payment system efficiency on consumer trust in ShopeeFood, while investigating the mediating role of user experience in the context of halal food purchases. An explanatory quantitative research design was employed using data collected from 150 ShopeeFood users who had purchased halal food through the platform. The data were analyzed using Structural Equation Modeling–Partial Least Squares (SEM-PLS). The results indicate that both digital transaction security and payment system efficiency have positive and significant effects on consumer trust. Payment system efficiency also has a positive and significant effect on user experience. However, digital transaction security does not significantly influence user experience, and user experience neither has a significant effect on consumer trust nor mediates the relationships between digital transaction security, payment system efficiency, and consumer trust. These findings suggest that consumer trust in halal digital food delivery is driven primarily by functional aspects of secure transactions and reliable payment systems rather than by users' application experience. The study contributes to the literature on halal digital commerce by extending understanding of trust formation in online food delivery platforms and offers practical implications for platform providers seeking to strengthen consumer confidence through enhanced transaction security and payment reliability.
Keywords: Consumer Trust; Digital Transaction Security; Efficient Payment System; Halal Food; User Experience
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References
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Jabbour Al Maalouf, N., Sayegh, E., Makhoul, W., & Sarkis, N. (2025). Consumers’ attitudes and purchase intentions toward food ordering via online platforms. Journal of Retailing and Consumer Services, 82(November 2024), 104151. https://doi.org/10.1016/j.jretconser.2024.104151
Kalsum, U., & Wakil, A. (2025). The Influence of Payment System Digitalization on Consumer Transaction Efficiency in Urban Areas. Nomico, 2(5), 81–91. https://doi.org/10.62872/2phk8t06
Khatib, M. El, Almansoori, A., & Alsuwidi, S. (2024). The importance of Trust in Digital Transformation and SMART Government Initiatives. International Journal of Business Analytics and Security, 4(2), 2024.
https://doi.org/10.54489/ijbas.v4i2.350
Koc, F., Ozkan, B., Komodromos, M., Efendioglu, I. H., & Baran, T. (2024). The effects of trust and religiosity on halal products purchase intention: indirect effect of attitude. EuroMed Journal of Business, 20(5), 141–165. https://doi.org/10.1108/EMJB-01-2024-0004
Linamaningsih, I., Kusumaningrum, N., & Hutami, L. T. H. (2025). The Influence of Perceived Ease of Transaction and Perceived Security of Transaction on Intention to Shop with Trust as An Intervening Variable Among Shopee Users (Issue Icomb 2024). Atlantis Press International BV. https://doi.org/10.2991/978-94-6463-698-7_29
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https://doi.org/10.1016/j.chbr.2024.100517
Ma, Y. (2023). Effects of interactivity affordance on user stickiness in livestream shopping：identification and gratification as mediators. Heliyon, 9(1). https://doi.org/10.1016/j.heliyon.2023.e12917
Mahpour, A., Mollajani, M., Baghestani, A., & Zamani, P. (2025). From interest to action: Analyzing the mediating and moderating factors in online shopping behavior using a structural equation modeling approach. Telematics and Informatics Reports, 20(September), 100261. https://doi.org/10.1016/j.teler.2025.100261
Misi, T., Yendra, Y., & Marihi, L. O. (2024). Consumer Trust in Mediating the Impact of Service Quality on Purchase Decisions. Advances: Jurnal Ekonomi & Bisnis, 2(6), 337–350. https://doi.org/10.60079/ajeb.v2i6.299
Nivornusit, R., Kraiwanit, T., & Limna, P. (2024). Food delivery competition in the digital economy: Price war strategy in a developing country. Digital Business, 4(1), 100076. https://doi.org/10.1016/j.digbus.2024.100076
Nugroho, S. P., Lestari, N. S., Priyono, E., & T. (2023). Pengaruh Omnichannel Integration Quality Terhadap Niat Pembelian Dimediasi Consumer Trust Di Surakarta. Determinasi: Jurnal Penelitian Ekonomi Manajemen Dan Akuntansi, 1(2), 13–25. https://doi.org/10.23917/determinasi.v1i2.41
Nurhamidah, U. (2025). Halal E-commerce and Muslim Consumer Behavior: A Literature Review. Journal Corner of Education, Linguistics, and Literature, 5(001), 568–581. https://doi.org/10.54012/jcell.v5i001.618
Nurul Kholifah, M., Purwo Saputro, E., & Sholahuddin, M. (2023). Online Pasca Pandemi Covid-19 Dimediasi Kepercayaan Pelanggan. Borobudur Management Review, 3(1), 62–88. https://doi.org/10.31603/bmar.v
Pratama, B. J., & Mardalis, A. (2024). Pengaruh Brand Image Dan Influencer Endorsement Terhadap Purchase Intention Pada Smartphone Samsung. Jurnal Bina Bangsa Ekonomika, 2(2), 17.
Putratama, R., & Prihandono, D. (2025). Pengaruh Kualitas Layanan Terhadap Kepuasan Konsumen Melalui Kepercayaan Pelanggan Sebagai Mediasi. Jurnal Daya Saing, 11(3), 922–929. https://doi.org/10.35446/dayasaing.v11i3.2478
Quality, E., Karmelia, H., Sofia, K., & Dahlan, S. (2024). JOSS : Journal of Social Science. 3(9), 1706–1725.
Rahman, R. A., Zahari, M. S. M., Hanafiah, M. H., & Mamat, M. N. (2021). Effect of Halal Food Knowledge and Trust on Muslim Consumer Purchase Behavior of Syubhah Semi-Processed Food Products. Journal of Food Products Marketing, 27(6), 319–330. https://doi.org/10.1080/10454446.2021.1994079
Ramadhan, Z., & Faizi, F. (2023). Determinants of Purchase Decision on Halal Product: The Mediating Effect of Halal Certification. Jurnal Ilmu Ekonomi Dan Bisnis Islam, 5(2), 187–214. https://doi.org/10.24239/jiebi.v5i2.180.187-214
Ramayanti, R., Rachmawati, N. A., Azhar, Z., & Nik Azman, N. H. (2024). Exploring intention and actual use in digital payments: A systematic review and roadmap for future research. Computers in Human Behavior Reports, 13(August 2023), 100348. https://doi.org/10.1016/j.chbr.2023.100348
Rusni, R., Tahir, B., Jabir, M., Albar, E., & Umar Data, M. (2023). Pengaruh Viral Marketing, Turbo Marketing Melalui Trust Terhadap Repurchasing Decision Pengguna Tokopedia. Benefit: Jurnal Manajemen Dan Bisnis, 8(1), 38–56. https://doi.org/10.23917/benefit.v8i1.1227
Salqaura, S. A., Sipayung, R. C., Amelia, W. R., & Royani, I. (2023). Conceptualizing Halal Product in the Context of Culinary in the Digital Era : E-Commerce and Ride- Hailing Based. 10(March), 404–415.
Series, W. P., Budiman, J. A., & Giri, Y. (2025). Contextualising Digital Platforms in the Informal Economy: Digital Development Working Paper no.114.
Sharma, V., Jangir, K., Gupta, M., & Rupeika-Apoga, R. (2024). Does service quality matter in FinTech payment services? An integrated SERVQUAL and TAM approach. International Journal of Information Management Data Insights, 4(2), 100252. https://doi.org/10.1016/j.jjimei.2024.100252
Siagian, H., Tarigan, Z. J. H., Basana, S. R., & Basuki, R. (2022). The effect of perceived security, perceived ease of use, and perceived usefulness on consumer behavioral intention through trust in digital payment platform. International Journal of Data and Network Science, 6(3), 861–874. https://doi.org/10.5267/j.ijdns.2022.2.010
Siregar, F. A., & Hasibuan, A. N. (2022). Muslim Consumer Behavior at Halal Product in Indonesia.
http://repo.uinsyahada.ac.id/958/1/Muslim Consumer Behavior_ISI.pdf
Susanty, A., Puspitasari, N. B., Jie, F., Akhsan, F. A., & Jati, S. (2025). Consumer acceptance of halal food traceability systems: a novel integrated approach using modified UTAUT and DeLone & McLean models to promote sustainable food supply chain practices. Cleaner Logistics and Supply Chain, 15(October 2023), 100226. https://doi.org/10.1016/j.clscn.2025.100226
Syamsuddin, Togatorop, A. L., Karubaba, O. C., Sholahuddin, M. Z., & Prasetya, T. B. (2024). The Influence of Mobile Application User Experience, Service Quality, and Social Interaction on Customer Satisfaction Quantitative Research in the Online Service Industry. International Journal of Science and Society, 6(3), 83–98. https://doi.org/10.54783/ijsoc.v6i3.1225
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Wang, C., Liu, T., Zhu, Y., Wang, H., Wang, X., & Zhao, S. (2023). The influence of consumer perception on purchase intention: Evidence from cross-border E-commerce platforms. Heliyon, 9(11), e21617.
https://doi.org/10.1016/j.heliyon.2023.e21617
Wilson, N., Alvita, M., & Wibisono, J. (2021). The effect of perceived ease of useand perceived security toward satisfaction and repurchase intention. Jurnal Muara Ilmu Ekonomi Dan Bisnis, 5(1), 145. https://doi.org/10.24912/jmieb.v5i1.10489
Younis, K. K., & Zeebaree, S. R. M. (2025). The Evolution of Consumer Trust in E-Commerce: Exploring Digital Strategies for Enhanced Loyalty. Asian Journal of Research in Computer Science, 18(3), 295–313.
https://doi.org/10.9734/ajrcos/2025/v18i3594
Alam, H., & Muslima, L. (2024). The impact of usability, security, and service quality on user satisfaction and experience in digital platforms: A correlation study. Journal of Marketing and Consumer Research, 93, 56–66.
https://doi.org/10.7176/jmcr/92-05
Alrawad, M., Lutfi, A., Almaiah, M. A., & Elshaer, I. A. (2023). Examining the influence of trust and perceived risk on customers intention to use NFC mobile payment system. Journal of Open Innovation: Technology, Market, and Complexity, 9(2), 100070. https://doi.org/10.1016/j.joitmc.2023.100070
Alzaidi, M. S., & Agag, G. (2022). The role of trust and privacy concerns in using social media for e-retail services: The moderating role of COVID-19. Journal of Retailing and Consumer Services, 68(May), 103042.
https://doi.org/10.1016/j.jretconser.2022.103042
Asaad, W. H., Ali, Y. H., Sciences, C., & Allami, R. (2023). Customers’ Trust in E-payment: The Influence of Security and Privacy. 6(May), 113–125.
Beheri, T. (2025). Consumer trust in digital payment systems. Journal of Information Systems Engineering and Management, 10(42s), 721–730.
https://doi.org/10.52783/jisem.v10i42s.8179
Cruz, R. U., & Billanes, R. A. (2021). Non-Muslim Consumers Online Purchase Intention towards Halal Food in Manila. Indonesian Journal of Halal Research, 3(2), 34–42. https://doi.org/10.15575/ijhar.v3i2.12757
Dinh, D. Van. (2024). Digital economy and the electronic payment behavior: An empirical analysis. Transnational Corporations Review, 16(4), 200078.
https://doi.org/10.1016/j.tncr.2024.200078
Economics, I., & Program, F. S. (2025). Sale and Purchase Agreement (Al-Buyu’) Smartphone Pre-order Case Study with Unclear Details. 2023.
Ellahi, R. M., Wood, L. C., & Bekhit, A. E. D. A. (2026). A multi-layer Industry 4.0 framework for ensuring halal integrity in NZ meat supply chains. Food Control, 182(July 2025), 111880. https://doi.org/10.1016/j.foodcont.2025.111880
Fachrurrozie, Muhsin, Nurkhin, A., Mukhibad, H., & Daud, N. M. (2023). Determinants of halal food purchase decisions for Go Food and Shopee Food users. Innovative Marketing, 19(1), 113–125. https://doi.org/10.21511/im.19(1).2023.10
Ferdyan Putri, Z. Q., & Efawati, Y. (2025). Exploring the Impact of Customer Data Security on Consumer Trust in Gojek’s Digital Services. International Journal Administration, Business & Organization, 6(1), 136–145.
https://doi.org/10.61242/ijabo.25.332
Frank, B., & Ishikawa, H. (2025). Digital platforms for food waste reduction: The promise and pitfalls of food sharing apps. Journal of Cleaner Production, 535(October). https://doi.org/10.1016/j.jclepro.2025.147050
Ghanad, A. (2023). An Overview of Quantitative Research Methods. International Journal of Multidisciplinary Research and Analysis, 06(08), 3794–3803. https://doi.org/10.47191/ijmra/v6-i8-52
Hair, J. F., Hult, G. T. M., Ringle, C. M., & Sarstedt, M. (2019). A primer on partial least squares structural equation modeling (PLS-SEM) (2nd ed.). Sage Publications.
Hanaysha, J. R., Ramadan, H. I., & Alhyasat, K. M. K. (2025). Exploring the impact of customer reviews, website quality, perceived service quality, and product assortment on online purchase intention: The mediating role of trust. Telematics and Informatics Reports, 19(August), 100236.
https://doi.org/10.1016/j.teler.2025.100236
Handoyo, S. (2024). Purchasing in the digital age: A meta-analytical perspective on trust, risk, security, and e-WOM in e-commerce. Heliyon, 10(8), e29714. https://doi.org/10.1016/j.heliyon.2024.e29714
Ismail, R. M., Jusop, M., Nor, M. M., Samah, N. A., & Tjoa, A. M. (2025). Enhancing consumer trust through sharia-compliant system quality in halal e-commerce platforms: A case study. International Journal of Innovative Research and Scientific Studies, 8(4), 1439–1448. https://doi.org/10.53894/ijirss.v8i4.8096
Jabbour Al Maalouf, N., Sayegh, E., Makhoul, W., & Sarkis, N. (2025). Consumers’ attitudes and purchase intentions toward food ordering via online platforms. Journal of Retailing and Consumer Services, 82(November 2024), 104151. https://doi.org/10.1016/j.jretconser.2024.104151
Kalsum, U., & Wakil, A. (2025). The Influence of Payment System Digitalization on Consumer Transaction Efficiency in Urban Areas. Nomico, 2(5), 81–91. https://doi.org/10.62872/2phk8t06
Khatib, M. El, Almansoori, A., & Alsuwidi, S. (2024). The importance of Trust in Digital Transformation and SMART Government Initiatives. International Journal of Business Analytics and Security, 4(2), 2024.
https://doi.org/10.54489/ijbas.v4i2.350
Koc, F., Ozkan, B., Komodromos, M., Efendioglu, I. H., & Baran, T. (2024). The effects of trust and religiosity on halal products purchase intention: indirect effect of attitude. EuroMed Journal of Business, 20(5), 141–165. https://doi.org/10.1108/EMJB-01-2024-0004
Linamaningsih, I., Kusumaningrum, N., & Hutami, L. T. H. (2025). The Influence of Perceived Ease of Transaction and Perceived Security of Transaction on Intention to Shop with Trust as An Intervening Variable Among Shopee Users (Issue Icomb 2024). Atlantis Press International BV. https://doi.org/10.2991/978-94-6463-698-7_29
Ly, R., & Ly, B. (2024). Digital payment systems in an emerging economy. Computers in Human Behavior Reports, 16(October), 100517.
https://doi.org/10.1016/j.chbr.2024.100517
Ma, Y. (2023). Effects of interactivity affordance on user stickiness in livestream shopping：identification and gratification as mediators. Heliyon, 9(1). https://doi.org/10.1016/j.heliyon.2023.e12917
Mahpour, A., Mollajani, M., Baghestani, A., & Zamani, P. (2025). From interest to action: Analyzing the mediating and moderating factors in online shopping behavior using a structural equation modeling approach. Telematics and Informatics Reports, 20(September), 100261. https://doi.org/10.1016/j.teler.2025.100261
Misi, T., Yendra, Y., & Marihi, L. O. (2024). Consumer Trust in Mediating the Impact of Service Quality on Purchase Decisions. Advances: Jurnal Ekonomi & Bisnis, 2(6), 337–350. https://doi.org/10.60079/ajeb.v2i6.299
Nivornusit, R., Kraiwanit, T., & Limna, P. (2024). Food delivery competition in the digital economy: Price war strategy in a developing country. Digital Business, 4(1), 100076. https://doi.org/10.1016/j.digbus.2024.100076
Nugroho, S. P., Lestari, N. S., Priyono, E., & T. (2023). Pengaruh Omnichannel Integration Quality Terhadap Niat Pembelian Dimediasi Consumer Trust Di Surakarta. Determinasi: Jurnal Penelitian Ekonomi Manajemen Dan Akuntansi, 1(2), 13–25. https://doi.org/10.23917/determinasi.v1i2.41
Nurhamidah, U. (2025). Halal E-commerce and Muslim Consumer Behavior: A Literature Review. Journal Corner of Education, Linguistics, and Literature, 5(001), 568–581. https://doi.org/10.54012/jcell.v5i001.618
Nurul Kholifah, M., Purwo Saputro, E., & Sholahuddin, M. (2023). Online Pasca Pandemi Covid-19 Dimediasi Kepercayaan Pelanggan. Borobudur Management Review, 3(1), 62–88. https://doi.org/10.31603/bmar.v
Pratama, B. J., & Mardalis, A. (2024). Pengaruh Brand Image Dan Influencer Endorsement Terhadap Purchase Intention Pada Smartphone Samsung. Jurnal Bina Bangsa Ekonomika, 2(2), 17.
Putratama, R., & Prihandono, D. (2025). Pengaruh Kualitas Layanan Terhadap Kepuasan Konsumen Melalui Kepercayaan Pelanggan Sebagai Mediasi. Jurnal Daya Saing, 11(3), 922–929. https://doi.org/10.35446/dayasaing.v11i3.2478
Quality, E., Karmelia, H., Sofia, K., & Dahlan, S. (2024). JOSS : Journal of Social Science. 3(9), 1706–1725.
Rahman, R. A., Zahari, M. S. M., Hanafiah, M. H., & Mamat, M. N. (2021). Effect of Halal Food Knowledge and Trust on Muslim Consumer Purchase Behavior of Syubhah Semi-Processed Food Products. Journal of Food Products Marketing, 27(6), 319–330. https://doi.org/10.1080/10454446.2021.1994079
Ramadhan, Z., & Faizi, F. (2023). Determinants of Purchase Decision on Halal Product: The Mediating Effect of Halal Certification. Jurnal Ilmu Ekonomi Dan Bisnis Islam, 5(2), 187–214. https://doi.org/10.24239/jiebi.v5i2.180.187-214
Ramayanti, R., Rachmawati, N. A., Azhar, Z., & Nik Azman, N. H. (2024). Exploring intention and actual use in digital payments: A systematic review and roadmap for future research. Computers in Human Behavior Reports, 13(August 2023), 100348. https://doi.org/10.1016/j.chbr.2023.100348
Rusni, R., Tahir, B., Jabir, M., Albar, E., & Umar Data, M. (2023). Pengaruh Viral Marketing, Turbo Marketing Melalui Trust Terhadap Repurchasing Decision Pengguna Tokopedia. Benefit: Jurnal Manajemen Dan Bisnis, 8(1), 38–56. https://doi.org/10.23917/benefit.v8i1.1227
Salqaura, S. A., Sipayung, R. C., Amelia, W. R., & Royani, I. (2023). Conceptualizing Halal Product in the Context of Culinary in the Digital Era : E-Commerce and Ride- Hailing Based. 10(March), 404–415.
Series, W. P., Budiman, J. A., & Giri, Y. (2025). Contextualising Digital Platforms in the Informal Economy: Digital Development Working Paper no.114.
Sharma, V., Jangir, K., Gupta, M., & Rupeika-Apoga, R. (2024). Does service quality matter in FinTech payment services? An integrated SERVQUAL and TAM approach. International Journal of Information Management Data Insights, 4(2), 100252. https://doi.org/10.1016/j.jjimei.2024.100252
Siagian, H., Tarigan, Z. J. H., Basana, S. R., & Basuki, R. (2022). The effect of perceived security, perceived ease of use, and perceived usefulness on consumer behavioral intention through trust in digital payment platform. International Journal of Data and Network Science, 6(3), 861–874. https://doi.org/10.5267/j.ijdns.2022.2.010
Siregar, F. A., & Hasibuan, A. N. (2022). Muslim Consumer Behavior at Halal Product in Indonesia.
http://repo.uinsyahada.ac.id/958/1/Muslim Consumer Behavior_ISI.pdf
Susanty, A., Puspitasari, N. B., Jie, F., Akhsan, F. A., & Jati, S. (2025). Consumer acceptance of halal food traceability systems: a novel integrated approach using modified UTAUT and DeLone & McLean models to promote sustainable food supply chain practices. Cleaner Logistics and Supply Chain, 15(October 2023), 100226. https://doi.org/10.1016/j.clscn.2025.100226
Syamsuddin, Togatorop, A. L., Karubaba, O. C., Sholahuddin, M. Z., & Prasetya, T. B. (2024). The Influence of Mobile Application User Experience, Service Quality, and Social Interaction on Customer Satisfaction Quantitative Research in the Online Service Industry. International Journal of Science and Society, 6(3), 83–98. https://doi.org/10.54783/ijsoc.v6i3.1225
Thomson, P. (2021). The problem with the “gap in the literature” | Impact of Social Sciences. LSE Impact Blog, 1–4.
https://blogs.lse.ac.uk/impactofsocialsciences/2021/07/16/the-problem-with-the-gap-in-the-literature/
Wang, C., Liu, T., Zhu, Y., Wang, H., Wang, X., & Zhao, S. (2023). The influence of consumer perception on purchase intention: Evidence from cross-border E-commerce platforms. Heliyon, 9(11), e21617.
https://doi.org/10.1016/j.heliyon.2023.e21617
Wilson, N., Alvita, M., & Wibisono, J. (2021). The effect of perceived ease of useand perceived security toward satisfaction and repurchase intention. Jurnal Muara Ilmu Ekonomi Dan Bisnis, 5(1), 145. https://doi.org/10.24912/jmieb.v5i1.10489
Younis, K. K., & Zeebaree, S. R. M. (2025). The Evolution of Consumer Trust in E-Commerce: Exploring Digital Strategies for Enhanced Loyalty. Asian Journal of Research in Computer Science, 18(3), 295–313.
https://doi.org/10.9734/ajrcos/2025/v18i3594
Published
2026-07-18
How to Cite
Ardiyansyah, R. P., & Sholahuddin, M. (2026). Payment security and efficiency: Strengthening consumer trust in halal food purchases through Shopeefood user experience. Journal of Management : Small and Medium Enterprises (SMEs), 19(2), 1723-1740. https://doi.org/10.35508/jom.v19i2.29142
Section
Articles
