This study aims to analyze the changes in purchasing decisions in conducting transactions using cash and digital payment systems. Cash payment systems are very different from digital payments because they no longer use banks as intermediaries for transactions. The scope of this study is to determine the differences that take place with purchasing decisions using digital payment systems with OVO Indonesia smart applications. By using the paired T-test sample test method and testing the regression class assumptions, it is expected we will document the comparison between cash and digital payment systems as regards changes in consumers’ buying interest behavior towards goods. Data is obtained by purposive sampling using special characteristics for smart application users. The results show that digital payments are developing very quickly, but cash payments still dominate due to the unavailability of complete facilities and infrastructure to support digital payment systems other than in cities. This study illustrates that digital payments have not been able to completely change consumer buying behavior in large numbers, but the main finding in this study is an increase in the percentage of digital payment usage to the online market, due to the many conveniences provided in OVO smart applications.

Abstract
1. Introduction
2. Literature Review
3. Research Method
4. Results
5. Discussion
6. Conclusion
References

• Nikma YUCHA(Faculty of Economics and Business, Universitas Maarif Hasyim Latif) Corresponding Author
• Setiawan SETIAWAN(Faculty of Economics and Business, Universitas Maarif Hasyim Latif)
• Ninnasi MUTTAQIIN(Faculty of Economics and Business, Universitas Nahdlatul Ulama Surabaya)
• Ratna EKASARI(Faculty of Economics and Business, Universitas Maarif Hasyim Latif)
• Kemal Farouq MAULADI(Faculty of Engineering, Universitas Islam Lamongan)