Digital Wallet Applications Research Articles

Establishing Trust and Security in Decentralized Metaverse: A Web 3.0 Approach

The integration of blockchain and Web 3.0 technologies offers significant advancements in identity management and trust within decentralized Metaverse environments. Despite the rapid development of numerous Metaverse platforms, these environments often operate in isolation, lacking interoperability and cohesive security measures. This paper proposes a novel architecture leveraging Self-Sovereign Identity (SSI) principles and blockchain technology to achieve secure and interoperable interactions across different Metaverse platforms. Our framework encompasses a digital wallet application, an interactive virtual environment, and a secure blockchain-based backend infrastructure. We detail the system architecture, operational specifics, and demonstrate significant improvements in scalability, efficiency, and security through comprehensive performance evaluations. Additionally, we address the challenges of real-world implementation and propose viable solutions. By enhancing user control over personal data and enabling secure cross-platform interactions, our approach aims to foster a more secure, interoperable, and user-centric decentralized Metaverse.

The Influence of Digital Platform Quality and Security on Decision and Satisfaction through Trust in the DANA Digital Wallet

This research reveals several significant findings related to the factors influencing the use of the Dana digital wallet platform. The study aims to examine the impact of digital platform quality, security on decision-making, and user satisfaction through trust in the Dana digital wallet. The research was conducted among users of the Dana digital wallet application, with 166 respondents as the sample. The research method employed a quantitative approach, specifically a causal associative approach, with research instruments in the form of a Likert scale questionnaire ranging from 1 to 5. Sampling was carried out using a non-probability incidental sampling technique. The analytical approach used SEM-PLS, utilizing Smart-PLS version 4.0. The research results demonstrate that the variables of digital platform quality, security, and trust have a significant direct impact on decision-making. The user decision-making variable has the most dominant direct influence, accounting for 85.6% of user satisfaction. Furthermore, digital platform quality and security significantly influence trust directly. Additionally, digital platform quality and security also have a significant indirect impact on decision-making through trust as a mediating variable.

Aspect-Level Sentiment Analysis on GoPay App Reviews Using Multilayer Perceptron and Word Embeddings

The increase of smartphone usage in Indonesia has encouraged the development of digital wallet applications, one of which is GoPay. Nowadays, GoPay has gained significant popularity among the public in Indonesia. Therefore, this research conducts aspect-level sentiment analysis to analyze user reviews of the GoPay application in more detail and depth. The sentiment analysis process in this study utilizes the Multilayer Perceptron (MLP) with fastText and word2vec as word embeddings. The dataset used is GoPay application reviews, which consist of 15,000 reviews collected from Google Play Store. The dataset is categorized into three main aspects: Feature and functionality, App Interface, and User Satisfaction. The stages of the research include data preparation, data preprocessing, word embeddings, model training, and model testing and evaluation. This research explores the effect of fastText and word2vec as word embeddings on model performance. Furthermore, this research examines the application of oversampling techniques, such as SMOTE and Random Oversampling. Based on the experiments conducted, utilizing fastText as word embeddings in MLP with a balanced dataset resulted the best model performance, with an F1-Score of 97%, Recall of 96%, and Precision of 95% for aspect category classification. Then, for sentiment classification, using fastText on MLP with a balanced dataset resulted in a value of 98% for each of the F1-score, Recall, and Precision metrics. This research validates that MLP is effective for aspect-level sentiment analysis, delivering strong evaluation results.

The Influence of Perceived Convenience and Service Features on Interest in Using the Dana Di Digital Wallet Application SETELUK DISTRICT KSB

Many factors influence interest in using e-wallets on the DANA application, one of which is convenience and service features. The aim of this research is to determine the influence of perceived convenience and service features on interest in using the Dana Digital Wallet Application in Seteluk KSB District. The population in this research is the people of Seluk subdistrict, West Sumbawa regency. The data collection technique in this research uses a questionnaire. The data used is primary data and secondary data. In this research, the sample consisted of 100 respondents using a purposive sampling technique using the Slovin formula. The data analysis used in this research is quantitative using the multiple linear regression method. The data is processed using SPSS Statistics 25. The results show that simultaneously Perceived Convenience and Service Features have a significant effect on Interest in Using. Meanwhile, perceived ease of use partially has a significant positive effect on interest in using, while service features partially have a significant effect on interest in using. The large influence of perceived convenience and service features on interest in using is shown by the coefficient of determination of 703 (70.3%). These results show that the variables Perceived Ease (X1) and Service Features (X2) influence the variable Interest in Using (Y). Meanwhile, the remaining 29.7% was influenced by other factors not examined in this study.

ANALYSIS OF THE DSN MUI FATWA ON SHARIA ELECTRONIC MONEY FROM THE PERSPECTIVE OF QIYAS (A STUDY ON LINKAJA SYARIAH APPLICATION)

This study aims to analyze the content of DSN MUI Fatwa No. 116/DSN-MUI/IX/2017 on Sharia electronic money from the perspective of qiyas, focusing on the case of the LinkAja Syariah application. The research method used in this study is descriptive qualitative, and the approach employed is library research. The findings of this study indicate that the LinkAja Syariah application is a development model of the LinkAja application designed to facilitate transactions while adhering to Sharia principles in its operational system. Similarly, the transactions follow the principles of cash payments and interbank transfers in Sharia banking, implementing Sharia financial principles. Thus, using the digital wallet application through LinkAja Syariah is legally permissible (mubah) as it fulfils the requirements and conditions of qiyas.

Analysis of The Influence Of Perceive of Benefit, Digital Security, and Perceived Ease of Use on Intention To Purchase Using the Digital Wallet Application

This research aims to determine how the convenience, security, benefits, and rewards of e-wallets influence consumer buying interest. This type of research is descriptive with a quantitative approach. The population in this research is all people who use e-wallets. The sampling technique employed in this study is the accidental sample method. The number of samples in this research was 100. Researchers obtained primary data from this research through interviews and questionnaire results. This research analysis uses several hypothesis tests using Partial Least Squares (PLS). Based on the research results, four dominant aspects have the potential to influence consumer purchasing interest in e-wallets. The ease of use of e-wallets, which enable transactions for various needs with just one application on a smartphone, increases consumer buying interest because it eliminates the need to carry cash, credit cards, or debit cards physically. Although the security factor is a priority, the security offered by e-wallets with security codes or pins does not yet significantly influence consumer buying interest. Financial benefits such as discounts or cashback offered by e-wallets are not the main factors influencing consumer buying interest because other factors, such as payment capacity and the amount of discounts from other non-cash payment instruments, are more significant. Rewards such as discounts and promos provided by e-wallets also do not significantly increase consumer buying interest because they are considered less critical than rewards from other non-cash payment tools.

Analisis User Experience pada Pengguna Aplikasi Dompet Digital Menggunakan Teori Jacob Nielsen

Digital wallets are one of the fastest-growing types of fintech. Digital wallets are just like real wallets. Users can make transactions either online or offline to be more effective and efficient. It is important for the development team to pay attention to the comfort and satisfaction of its users. The purpose of writing, to find out the rate obtained by each application and will be tested using the usability testing method. This is done to evaluate the usability of digital wallet applications based on the responses given by users after interacting with the product system. The research was conducted in the DKI Jakarta area using 3 digital wallets and involving 150 digital wallet respondents, including: 51 Shopee pay Respondents, 52 Go-pay Respondents and 47 DANA Respondents. The results of the tests that have been carried out, it can be concluded that the Shopee-pay Digital Wallet is in the Very Good category with a score of 4.35, the Go-pay and DANA applications are in the good category with the Go-Pay application score of 3.98 and DANA 4.16. This shows that the three applications have fulfilled the five aspects of usability testing: learnability, memorability, efficiency, errors and satisfaction.

Analisis Loyalitas Pelanggan Dalam Penggunaan Dompet Digital Dana

E-wallet or digital wallet is a form of payment technology that allows users to store, send and receive money digitally. The aim of this research is to find out whether service quality and customer satisfaction can influence customer loyalty in using the DANA digital wallet. The population in this study were people who had used the DANA digital wallet application with a sample size of 150 respondents. Data was obtained by distributing questionnaires via a Google Form link. The method used in this research is a quantitative method with data analysis techniques used including data normality test, heteroscedasticity test, multicollinearity test, validity and reliability test, and multiple regression test. From the research results, it was found that e-service quality has an effect on customer loyalty, customer satisfaction has no effect on customer loyalty and e-service quality and customer satisfaction together have an effect on customer loyalty.

Analysis Of Perceived Value of Benefit Cash on Delivery Payment Method Customers When Using Digital Wallet Application

The purpose of this study is to examine how secure and comfortable cash on delivery (COD) and e-wallet consumers feel about their payment options. Survey research is the method employed in this study. All students are the population in question. Purposive sampling was the method of sampling that was applied. 100 people made up the sample in this study. In order to collect data for this study, questionnaires, records, and interviews were used. Quantitative data analysis is the method employed. Two associated samples are compared in this study using a comparative analysis sample type. The study's conclusions revealed that consumers' comfort levels with cash-on-delivery and e-wallet payment options differ. Convenience with cash on delivery is valued at 48.5 on average, whereas e-wallet convenience is valued at 58.5. Consequently, it can be said that the e-wallet payment method offers more convenience than the cash on delivery payment option. Users of e-wallet payment options and cash on delivery have different levels of security. For COD security, the average value is 37.5, and for e-wallet security, it is 39.5. It is evident that there is little difference in the average value of cash on delivery security (2.5) between it and e-wallet security. Even so, the security level of e-wallets is higher than the security of cash on delivery (COD).

PERANCANGAN TAMPILAN APLIKASI DOMPET DIGITAL BERBASIS MOBILE DENGAN PENDEKATAN HUMAN-CENTERED DESIGN

This research aims to design and develop the user interface of a mobile-based digital wallet application using the Human-Centered Design (HCD) approach. The HCD method is employed to prioritize user needs and preferences in the application interface development. The application prototype includes features such as transaction tracking, budget management, and financial reporting, with the goal of enhancing the user experience in personal financial management. The development process involves design iterations based on user feedback to ensure the interface aligns with user expectations and needs. Usability testing results using the System Usability Scale (SUS) indicate a positive score of 75.6, signifying good acceptance of the application interface. The practical implications of this research are to provide more effective design guidelines for the development of digital wallet applications that consider user comfort and needs.

Evaluation of Students’ Digital Skills in Learning Creative Entrepreneurship Projects on Vocational High Schools, Province of Central Java, Indonesia

In the era of the industrial revolution 4.0, entrepreneurial activities are already digital-based. The emergence of various types of digital transaction software as a media for buying and selling online is a challenge for students. The need for digital skills for Vocational High School (SMK) students to support digital-based entrepreneurial activities. The purpose of this research is to describe the achievement of digital skills in learning entrepreneurial creative projects at Vocational High Schools in Central Java Province, Indonesia. Evaluation of digital skills based on indicators from Monggilo. To describe the research objectives, the research method used is evaluation research. The research sample is thirty vocational students who already have an independent business. The data collection technique used an online questionnaire filling survey using a Google form while the data analysis technique used was interactive analysis from Miles and Huberman. The results showed that the digital skills of SMK students in learning Creative Projects and Entrepreneurship: (1) 80.6% of students use digital mobile/smartphone devices for entrepreneurship; (2) 67.7% of students use the Google search engine application software for entrepreneurship; (3) 93.5% of students use WhatsApp social media application software for entrepreneurship; (4) 58.1% of students use the DANA digital wallet application software; and (5) 58.1% of students use the Shopee market place application software. Based on the research data, it is recommended to provide digital marketing knowledge and skills in using marketplace application software and digital payments to vocational students when learning entrepreneurial creative projects.

The Influence Of Perceived Benefit And Ease Of Use On Interest In Using The Ovo Digital Wallet

This research aims to determine the influence of perceived usefulness and ease of use on interest in using the OVO digital wallet. This research uses associative research methods with data collection through surveys and non-probability sampling techniques. A total of 100 respondents were taken as samples in this research. The data was then analyzed using multiple linear regression analysis for goodness of fit tests such as the t test, f test, and R2. The research results show that perceived usefulness and ease of use have a positive and significant influence on interest in using the OVO digital wallet. These findings indicate that perceived usefulness and ease of use are the factors that most influence interest in using the OVO digital wallet. Apart from that, the appearance of the features also has an important influence on application usage. An attractive appearance can increase consumer satisfaction and encourage further application use. Therefore, companies must continue to innovate to improve the appearance of application features and beautify them. Apart from the display features, the company must issue various promos, discounts and free vouchers to attract consumers to use the OVO digital wallet application. This can increase interest in using the application and strengthen the company's brand image. Apart from that, companies must consider good quality customer service and ensure that the application can always be used smoothly. Overall, this research provides useful information for companies in developing OVO digital wallet applications. By paying attention to perceived benefits, ease of use, feature display, and promotions, companies can increase interest in using the application.

Analisis Peran Financial Capability terhadap Financial Well-Being dengan mediasi pengguna QRIS

The rapid growth of information technology in recent years has made it easier for people to carry out their daily activities. Financial technology is currently increasingly popular and developing rapidly, making it easier for the general public to access other financial products. Quick Response Code (QR Code) is a technological development used as a digital wallet payment technique. By using one standard QR code, product and service providers (merchants) do not have to have a different type of QR Code than the publisher. With the presence of several types of digital wallet applications, merchants need to provide as many QR code services as there are digital wallet applications available for delivery by each application. "This research will discuss the influence of using mobile banking as a mediation to link the impact of financial capabilities (financial behavior, financial attitudes, and financial knowledge) on financial well-being

User Acceptance Analysis Dana Application E-Wallet Using UTAUT 2 and UX TAM

DANA is a digital wallet application that has an open platform concept, meaning it can be used on different platforms but is integrated with one another. However, there were complaints that were felt by DANA application users which were conveyed in Google Playstore reviews, namely frequent errors and delays in the transaction process. This is the basis for measuring the level of acceptance of DANA application users based on the user's experience. This research model is an integration of the Unified Theory of Acceptance and Use of Technology 2 (UTAUT 2) model and the User Experience technology Acceptance Model (UX TAM). The data analysis technique used Partial Least Square-Structural Equation Modeling (PLS-SEM) and used SmartPLS 3 tools Data collection was carried out by randomly distributing questionnaires to 100 respondents, namely the Pontianak community with an age range of 15-40 years. Data collection was carried out by distributing questionnaires to 100 respondents, namely the Pontianak community. Of the 21 hypotheses proposed, 10 hypotheses stated there was a relationship between the two variables and the other 11 hypotheses had no relationship. The hypotheses that have an influence are Effort Expectancy on Behavior Intention, Habit on Behavior Intention, Efficiency on Effort Expectancy, Efficiency on Performance Expectancy, Output Quality on Performance Expectancy, Dependability on Habit, Stimulation on Hedonic Motivation, Output Quality on Perceived Usefulness, Dependability on Perceived Ease Of Use, and Behavioral Intention to Use Behavior. The results of the research are in the form of recommendations that are expected to improve the performance of the DANA application.

Analisis Minat Penggunaan Dompet Digital LinkAja Menggunakan Theory of Reasoned Action

<em>The use of digital payment systems is increasing in recent times. Digital payment systems allow users to make payments more easily and practically through their smartphones. LinkAja is a digital wallet application that allows us to make various transactions online. This study was conducted to examine what influences interest in using the LinkAja application and the influence of subjective intentions, attitudes, and norms on interest in using it. The theory that underlies this research is the Theory of Reasoned Action (TRA). The method used is a quantitative research method, the research data come from the results of a questionnaire filled out by 40 LinkAja users from several cities in the provinces of Jakarta and West Java. The sampling technique is probability sampling and simple random sampling. Testing and data processing is done using SPSS. The results obtained in this study state that the Intentions, Attitudes, and Subjective Norms together (simultaneously) have a significant influence on the Interest in Using the LinkAja Digital Wallet application.</em>

Usability Testing Analysis on Digital Wallet Applications to Measure User Satisfaction

One of the issues that users of digital wallet apps often face is slow loading, which can cause frustration and disrupt the user experience. In addition, lack of app responsiveness due to server errors is also a complaint of users, which can lower their trust in the app. Another problem is the difficulty in the login process, which can make it difficult for users to access the application. From these problems, it is necessary to conduct a "usability testing analysis on digital wallets to measure user satisfaction." a study evaluates user satisfaction using ShopeePay, Dana, and Ovo as digital wallets. In this study, TCR is used as an indicator to measure the level of user satisfaction, and the variables considered are Attractiveness, Understandability, Learnability, and Operability. The results show that ShopeePay has the highest TCR of 78.77%, followed by Ovo at 77.32% and Dana at 75.58%. Attractiveness factors affect user satisfaction in ShopeePay, while in Dana, Learnability and Attractiveness factors influence. In Ovo, Operability and Attractiveness factors affect user satisfaction, while Understandability and Learnability have no significant effect. The findings from this study provide valuable insights for digital wallet service providers to optimize the factors that influence user satisfaction. This can help increase the acceptance and utilization of digital wallets in the growing market.

PENERAPAN ALGORITMA TF-IDF DAN NAÏVE BAYES UNTUK ANALISIS SENTIMEN BERBASIS ASPEK ULASAN APLIKASI FLIP PADA GOOGLE PLAY STORE

The development of the internet has changed people's lifestyle with the existence of FinTech. One of the popular FinTech innovations is the Flip digital wallet application. In this study, aspect-based sentiment analysis was carried out on Flip user reviews using the naive bayes algorithm. The test results show high accuracy, with an average accuracy of 0.84. The naive bayes algorithm is effective in classifying user reviews based on aspects of speed, security, and cost, with accuracies of 0.80, 0.87, and 0.84, respectively. This research provides important insights for service providers to improve service performance and innovation. The labelling data generated the most sentiment 0 (no sentiment), followed by sentiment 1 (positive) and 2 (negative). Negative sentiments have a high frequency on speed and security aspects, while positive sentiments have a high frequency on cost aspects. Thus, improvements are needed to the security system and speed of the Flip application to increase user satisfaction in these aspects. The naive bayes algorithm can be a useful tool in processing review data on e-wallet applications and similar services.

Satisfaction with and Challenges of Bank Remittance in Student Payments in the Philippines

The education sector is one of many that has been affected by the digitization of payments and administrative processes. The study used a descriptive survey method to analyze the student payment process, focusing on the stakeholders’ preferences, satisfaction, and challenges with bank remittance. The respondents included 422 undergraduate and graduate students, 13 parents, and 18 personnel in one University in the Philippines. The vast majority of respondents (63.68 percent – 95.86 percent) were aware of the university’s cash payments, online fund transfers through banks, over-the-counter bank deposits, bill payments through banks, GCash, Paygate. Except for GCash, only 50% or less were aware that payments could be made through Remittance Centers and e-wallets. Payment preferences were influenced by the respondents’ awareness on and the security, ease of use, and accessibility of payment platforms, resulting in a moderate level of satisfaction with the payment process. The study revealed that the student payment process requires improvement because the mode of bank remittances permitted by the University is not suited for immediate payment verification. There is a need to increase the number of bank partnerships that allow for the integration of the University’s software facility for bill payment. In some areas, students do not have access to banks or bill payment services. E-wallet or digital wallet applications such as GCash can be used to pay University fees.

Factors Influencing Consumptive Behavior of FEBI UIN KHAS Jember Students

Consumptive behavior tends to occur in adolescence, especially among students who can be influenced by motivations for consumptive behavior, lifestyle on campus, and digital wallets that facilitate transactions. The purpose of this study is to provide knowledge whether motivation, lifestyle, and digital wallets have an influence on the consumptive behavior of FEBI KHAS UIN Jember students. Where the approach uses a quantitative approach with the type of associative research which has the nature of asking questions about the relationship between two or more variables. The population used is students who use digital wallets at FEBI UIN KHAS Jember class of 2019. The sample used uses the purposive sampling method to produce a sample of 100 respondents. The results of this study are motivation influencing consumptive behavior, lifestyle does not affect consumptive behavior, digital wallets do not have an influence on consumptive behavior, motivation can encourage consumption behavior while high lifestyle behavior and use of digital wallet applications cannot affect FEBI students at UIN KHAS Jember to live consumptively.

Faktor-Faktor yang Mempengaruhi Minat Pengguna Sistem Informasi Akuntansi Berbasis Dompet Digital

The current development of digital technology not only opens up opportunities for new businesses to emerge, along with the development of the payment system in Indonesia is also the development of digital technology that we can meet. In making payment transactions, you can now use a system that has developed with technology. One system that can be applied in payment is the Accounting Information System. An electronic wallet (e-wallet) is an application that is useful as a means of digital payment based on internet technology. The selection of e-wallet products is influenced by the service features offered. This study aims to analyze what factors influence the interest in using a e-wallet based Accounting Information System. This research uses quantitative methods. The population of this study is all e-wallet application users. Determination of the sample using a purposive sampling technique with the criteria of respondents who have used or until now used the digital wallet application. Respondents obtained in this study were 259 respondents. Analysis of research data using SPSS version 21. The results of this study indicate that perceived convenience, perceived usefulness, perceived security, perceived risk, level of trust and financial literacy partially have a significant effect on interest in using a digital wallet-based Accounting Information System.