Pengaruh Literasi Keuangan Digital, Keamanan, Persepsi Kemudahan Penggunaan dan Reward Terhadap Niat Menggunakan Dompet Digital
DOI:
10.29303/alexandria.v6i2.1081Published:
2025-09-30Downloads
Abstract
This study aims to analyze the effect of digital financial literacy, security, perceived ease of use, and rewards on the intention to use digital wallets in Mataram University students. This research uses a quantitative approach with a causal associative method. A sample of 100 respondents was obtained through purposive sampling technique. Data analysis was conducted using Partial Least Squares Structural Equation Modeling (PLS-SEM) with the help of SmartPLS 4 software. The results of the analysis show that security and reward have a positive effect on the intention to use a digital wallet, while digital financial literacy and perceived ease of use do not have a significant effect on the intention to use a digital wallet. These findings indicate that students consider more aspects of system security and direct benefits offered, compared to aspects of literacy or technical perceptions in deciding to use digital wallets. The practical implications of this study indicate the importance for digital wallet service providers to continue to strengthen the security system and develop reward programs that suit the preferences and needs of the younger generation.
Keywords:
Digital Financial Literacy Security, Perceived Ease of Use Reward Intention to Use Digital WalletReferences
Aditya, Trisna, and Luh Putu Mahyuni. 2022. “Pengaruh Sosial Terhadap Minat Penggunaan Fintech.” FORUM EKONOMI: Jurnal Ekonomi, Manajemen, Dan Akuntansi 24(2):245–58. doi: 10.29264/jfor.v24i2.10330.
Azhari, Farhab, Sumarno Sumarno, Achmad Fauzi, Demas Rizky Pratama, Muhammad Adityn Musyafa, Muhammad Rifa Nawawi, and Naufal Shafly Abdul Ghafar. 2024. “Penerapan Manajemen Sekuriti Dalam Meningkatkan Keamanan Pengguna Pada Transaksi E-Wallet.” Jurnal Kewirausahaan Dan Multi Talenta (JKMT) 2(2):138–47.Audina, Mia, Isnurhadi, and Isni Andriana. 2021. “Faktor Yang Mempengaruhi Behavioral Intention Transaksi Keuangan Digital (E-Wallet) Pada Generasi Milenial Di Kota Palembang.” Media Riset Bisnis & Manajemen 21(2):99–116.
Bank Indonesia. 2023. Laporan Kebijakan Moneter Triwulan IV. Indonesia.
Endrica, Agnes Yesica Vina, and Ratna Candra Sari. 2021. “Pengaruh Performance Expectancy, Social Influence, Literasi Keuangan Digital Dan Computer Self Efficacy Terhadap Penggunaan E-Wallet Pada Mahasiswa Akuntansi UNY.” Profita: Kajian Ilmu Akuntansi 9(4):1–16.
Giriani, Aulia Puspa, and Susanti. 2021. “The Influence of Financial Literation, Service Features, and Easy of Use on Using E-Money.” Jae (Jurnal Akuntansi Dan Ekonomi) 6(2):27–37. doi: 10.29407/jae.v6i2.15921.
Harminingtyas, Rudika, and Th. Susetyarsi. 2023. “Pengaruh Persepsi Manfaat, Persepsi Kemudahan Dan Persepsi Keamanan Terhadap Pengguna E-Wallet Pada Masyarakat Di Kota Semarang.” Jurnal Ilmiah Fokus Ekonomi, Manajemen, Bisnis & Akuntansi (EMBA) 1(3):390–95. doi: 10.34152/emba.v1i3.641.
Kencanawati, Mella Sri, Reni Anggraini, Rini Tesniwati, and Desy Fitriyani. 2024. “The Influence of Promotions , Service Features , Perception of Convenience , Perception of Benefits and Perception of Security on the Decision to Use Gopay E-Wallet.” Jurnal Lentera Manajemen Pemasaran 02(01):44–54.
Kurahman, Taufik, Hubbul Wathan, and Muslim Marpaung. 2023. “Pengaruh Literasi, Persepsi, Dan Minat Masyarakat Kabupaten Tapanuli Tengah Terhadap Penggunaan Dompet Digital Sebagai Alat Transaksi Jual Beli Dalam Tinjauan Ekonomi Islam.” Prosiding Konferensi Nasional Social & Engineering Polmed (KONSEP), 4(1):1–12.
Malik, Akmal Nashren Abd, and Sharifah Nurafizah Syed Annuar. 2021. “The Effect of Perceived Usefulness, Perceived Ease of Use, Reward, and Perceived Risk Toward E-Wallet Usage Intention.” Eurasian Bisnis and Economics Perspectives 30:115–30. doi: 10.1007/978-3-030-65147-3_8.
Manurung, Wahyu Sahara Ramadhana. 2023. “Pengaruh Perilaku Konsumtif, Pemberian Reward, Kredibilitas Platform Terhadap Keputusan Penggunaan E-Wallet Pada Transaksi E-Commerce Dengan Kemudahan Penggunaan Sebagai Variabel Moderating (Studi Kasus Mahasiswa FEBI UIN Sumatera Utara).” UIN Sumatera Utara.
Mawardi, Thalita Firdaus Rody, and Budi Prabowo. 2023. “The Influence Of Perceived Benefit, Perceived Convenience And Trust On The Decision To Use The DANA E-Wallet Application (Study On UPN Veterans East Java FISIP Students) ‘Veteran’ Jawa Timur).” Management Studies and Entrepreneurship Journal 4(4):3733–41.
Nisa, U. K., and N. A. Solekah. 2022. “The Influence of TAM, Social Influence, Security Relationship Toward Intention to Use E-Wallet Through Attitude and Trust.” Iqtishoduna: Jurnal Ekonomi Dan Bisnis Islam.
Nurhaeni, Erin Soleha. 2023. “Analisis Pengaruh Literasi Keuangan, Kemudahan Penggunaan Dan Gaya Hidup Terhadap Minat Generasi Z Dalam Menggunakan Dompet Digital (Go-Pay).” JPEK (Jurnal Pendidikan Ekonomi Dan Kewirausahaan) 7(1):36–48. doi: 10.29408/jpek.v7i1.12295.
Ong, Veronica, and Nuryasman MN. 2022. “Pengaruh Persepsi Risiko, Persepsi Kemudahan, Dan Literasi Keuangan Terhadap Minat Penggunaan Linkaja.” Jurnal Manajerial Dan Kewirausahaan 4(2):516. doi: 10.24912/jmk.v4i2.18259.
Rodiah, Siti, and Inaya Sari Melati. 2020. “Pengaruh Kemudahan Penggunaan, Kemanfaatan, Risiko, Dan Kepercayaan Terhadap Minat Menggunakan E-Wallet Pada Generasi Milenial Kota Semarang.” Journal of Economic Education and Entrepreneurship 1(2):66. doi: 10.31331/jeee.v1i2.1293.
Sibuea, Christina Aprilia, Helmina Handayani Simorangkir, Cintia Nababan, Tomi Irianto Nadapdap, and Rizky Sipayung. 2023. “Pengaruh Literasi Keuangan Dan Kemudahan Penggunaan Terhadap Keputusan Penggunaan Uang Digital.” Jurnal Maneksi 12(3):696–701. doi: 10.31959/jm.v12i3.1669.
Taqiyuddin, Hayyi Farhan, and Agus Abdurrahman. 2022. “Analisis Faktor-Faktor Yang Mempengaruhi Niat Menggunakan E-Wallet ShopeePay: Studi Generasi Z Di Indonesia.” Jurnal Mahasiswa Bisnis & Manajemen 01(05):203–18.
License
Copyright (c) 2025 Arif Rahman, G.A. Sri Oktaryani
This work is licensed under a Creative Commons Attribution 4.0 International License.
Authors who publish with ALEXANDRIA (Journal of Economics, Business, Tourism, and Entrepreneurship), agree to the following terms:
- Authors retain copyright and grant the journal right of first publication with the work simultaneously licensed under a Creative Commons Attribution 4.0 International License. This license allows authors to use all articles, data sets, graphics and appendices in data mining applications, search engines, web sites, blogs, and other platforms by providing an appropriate reference. The journal allows the author(s) to hold the copyright without restrictions and will retain publishing rights without restrictions.
- 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 ALEXANDRIA (Journal of Economics, Tourism, Hospitality, and Entrepreneurship).
- 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 (See The Effect of Open Access).
