ANALISIS PEMBAYARAN DIGITAL TERHADAP PERUBAHAN PERILAKU MASYARAKAT: KAJIAN TERHADAP PENERIMA BANTUAN SOSIAL

Abstract

This study aims to analyze how the implementation of digital payment influences the behavior, understanding, and adaptability of social assistance recipients, considering the social, economic, and cultural factors that shape these changes. A qualitative descriptive approach was employed, involving in-depth interviews, field observations, and documentation with beneficiaries. The results reveal that although recipients initially faced confusion and hesitation, support from family and the local community played a crucial role in accelerating adaptation and increasing digital literacy. The adoption of digital payment systems has promoted wiser financial management, encouraged saving habits, and improved transparency and efficiency in aid distribution. However, challenges such as limited infrastructure and digital literacy remain. This research highlights the importance of context-sensitive strategies for the successful digitalization of social assistance in Eastern Indonesia.