Use Of E-wallet Research Articles

Niat Terus Menggunakan e-Wallet pada Generasi Z di Bali: Peran Nilai Utilitarian dan Gamifikasi

The development of e-wallet technology has become a significant phenomenon for Generation Z, who grew up in the digital era. Practical values and gamification influence the acceptance and use of e-wallets in these applications. This study aims to understand how valuable values ​​and gamification influence attitudes and continued intention to use e-wallets in Generation Z. This study uses a quantitative approach with a sample of 140 e-wallet users in Bali, using a purposive sampling technique. Data were collected through questionnaires and analyzed using Structural Equation Modeling (SEM) with SmartPLS software. The analysis results show that utilitarian values ​​have a positive and significant effect on attitudes and continued intention to use e-wallets in Generation Z. Conversely, the effect of gamification on continued intention to use is not essential. However, it has a positive impact on user attitudes towards e-wallets. This finding implies the importance of considering utilitarian values ​​in e-wallet development to increase user adoption and retention. While gamification can improve user attitudes towards e-wallets, its effect on continued intention to use is more complex and not always significant. This research provides insight into the factors influencing e-wallet acceptance among Generation Z, highlighting the importance of marketing and development strategies that focus on efficiency and convenience of use and the integration of gamification elements that suit young users' preferences.

Design and Development of a Mobile E-Wallet Management Prototype Using NFC Technology

In the era of digitalization, the need for innovation in financial management has become increasingly urgent. With the emergence of E-wallets as a digital payment solution, the efficiency and security of transactions have become primary focuses. Therefore, this research plays a crucial role in presenting an innovative solution by designing and developing a mobile application prototype that integrates E-wallet management with Near Field Communication (NFC) technology. The urgency of this research is highlighted by the increasing use of E-wallets, which indicates that digital financial solutions are gaining wider acceptance in society. In this context, the integration of NFC becomes relevant as it offers higher security and enables more efficient transactions. This study aims to address the growing market demand for digital payment solutions that are fast, secure, and user-friendly. The objective is to design and develop a mobile application prototype that not only simplifies E-wallet management but also leverages the advantages of NFC technology. The goal is to provide users with a more convenient and secure transaction experience. Thus, this research is expected to increase the adoption of E-wallets among the general public. The result of this research is a mobile application prototype integrated with NFC technology for E-wallet management.

The Effect Of E-Service Quality And E-Trust On Buying Interest In Shopee Pay Users In The Millennial Generation

The use of e-wallet is increasing as online transactions increase in Indonesia. This research is an explanatory study that aims to find out the influence of E-service quality and E-trust on the interest of using ShopeePay when shopping online among Millennials in DKI Jakarta. The population of this study is the entire Generation of Millennials in DKI Jakarta who have used ShopeePay at least three times when making online transactions and the number is unknown. Sampling technique used is purposive sampling techniques on condition samples are Millennial Generation, live in the territory of DKI Jakarta and have used ShoppePay at least 3 times. Data collected through the spread of the google form questionnaire to the Millennial Generation. Data analysis using SmartPLS 3.0 Partial Least Squares Structural Equation Modeling (PLS-SEM). Research results show that E-Service Quality and E-Trust have a positive and significant influence on purchasing interest using ShopeePay on the millennial generation in DKI Jakarta. According to research results, 92.9% of Millennial Generation interest in using ShoppePay is influenced by E-Service Quality and E-Trust. The findings confirm that it is important for e-wallet service providers to focus on improving the quality of electronic services and building user confidence to boost purchasing interest.

The Influence Of E-Wallet Use on Consumptive Behavior of Mataram City Communities Moderate by Self-Control

This study aimed to examine and analyze the influence of e-wallet usage on consumptive behavior in the community of Mataram City, with self-control as a moderator. The population consists of Mataram City residents who use e-wallets and belong to the Zillennial or Gen Z generation, aged between 17 and 27 years old. The convenience sampling technique was employed to conduct the sampling. This study employed a quantitative research approach, collecting data via a questionnaire including statements that reflect the indicators of each construct. As the research variables were second-order, the approach used was the Embedded Two Stage Approach, involving two stages of testing: the first stage included an outer model test through validity and reliability tests on repeated indicators, while the second stage included an outer model test, inner model test, and hypothesis testing. The findings of this investigation demonstrated that consumer behavior was substantially and positively influenced by the use of e-wallets, while self-control did not significantly modulate the relationship between the two. Therefore, a good self-control should be enhanced, not only for long-term needs but also for short-term matters as well.

The Role of Satisfaction in Mediating the Influence of Perceived Usefulness and Perceived Ease of Use on the Intention to Reuse Ovo E-Wallet in Badung Regency

The increasing number of businesses using e-commerce in Bali, the use of e-wallets like OVO is expected to integrate technology into daily life and drive the growth of the digital economy in the region. Factors indicated to influence the intention to reuse include satisfaction, perceived usefulness, and perceived ease of use. This study employs an associative research design with causal relationships and was conducted in Badung Regency. The sample size consisted of 105 respondents. Data was collected through questionnaires and then analyzed using descriptive analysis and structural equation modeling (SEM) based on PLS. The results showed that perceived usefulness has a positive and significant influence on the intention to reuse. Perceived ease of use also has a positive and significant impact on the intention to reuse. Perceived usefulness has a positive and significant effect on satisfaction. Perceived ease of use has a positive and significant effect on satisfaction. Satisfaction has a positive and significant influence on the intention to reuse. Satisfaction significantly mediates the indirect effect of perceived ease of use on the intention to reuse. It also significantly mediates the relationship between perceived usefulness and the intention to reuse. These findings underscore the importance of usefulness, ease of use, and satisfaction in increasing users' intention to continue using the technology. OVO e-wallet managers should focus on enhancing the benefits, ease of use, and user experience to improve user retention and loyalty.

Use of e-Wallets and Their Impact on SME Business Transactions

Currently, worldwide there is an accelerated digital transformation, which will continue in time with the same trend, becoming an everyday part of human life. The appearance of covid-19 has had a strong impact on several aspects of life, especially in the way of acquiring products and/or services, which, due to the fear of receiving money from a person infected with the virus, led people to look for other options to carry out their economic transactions without physical contact, such as the use of electronic wallets. However, many entrepreneurs still do not use this type of technology in their businesses. The purpose of this research is to determine the impact of the use of electronic wallets in the commercial transactions of SMEs. To this end, we worked with entrepreneurs in the town of Otuzco in the La Libertad Region of Peru. It was observed that they only carried out transactions using the cash collection and payment method and did not use technological tools such as electronic wallets. This is applied research with a quasi-experimental design, cross-sectional and quantitative approach, with a sample of 88 SMEs divided into a control group (23 SMEs) and an experimental group (65 SMEs). The survey was used as a data collection technique, and a program was developed to promote the use of electronic wallets in the entrepreneurs of the city of Otuzco, obtaining as a result a positive impact on the commercial transactions of these SMEs. The results show that 96% of the merchants were reluctant to use electronic wallets for fear of being affected by computer crimes. After the training, 98% of the merchants monitored recognized the importance of their use in their regular commercial transactions. In conclusion, it was found that training on the use of electronic wallets and continuous monitoring have a positive impact on the level of commercial transactions, boosting the competitiveness of businesses by increasing sales, streamlining operations, and reducing financial costs. The research is of interest because it shows the importance of disseminating programs in the use of technological tools such as digital wallets in small businesses to achieve a positive impact on the improvement of their economic activities.

Threat perceptions in use of e-wallet in customer’s purchase intention: with extended UTAUT2 model

This study uses the extended UTAUT2 model to examine how threat perceptions affect Indian consumer e-wallet purchasing intentions. Performance expectancy, effort expectancy, social influence, facilitating conditions, perceived uncertainty, trust, and service quality are examined. This empirical study used random sampling and a standardized 5-point Likert scale questionnaire. of 300 surveys, 280 were returned by active e-wallet customers. Correlation and regression were performed in SPSS 20 and Excel. Threat perception strongly influences e-wallet use, according to the study. Perceived uncertainty, trust, facilitating conditions, and service quality affect threat perception. E-wallet adoption intentions are indirectly affected by performance, effort, and social influence. This study emphasizes the necessity of resolving threat perceptions to boost e-wallet consumer confidence. Developers and service providers should reduce perceived risks to increase purchase intent and user adoption. Future research should use comprehensive models like UTAUT2 to examine these aspects. Time constraints and a small sample size don't properly represent India's diversity, thus the study only examines perceived e-wallet risk. To better understand e-wallet adoption trends, larger samples should be used in future studies.

Examining consumers attitude towards E-wallet utilization as a payment method using technology acceptance model: A perspective from young generations in Nueva Ecija, Philippines

This study aims to provide valuable insights into how consumers interact with e-wallets in order to understand their behaviors and preferences. This perspective and behavior can help businesses and institutions better understand consumer behavior and develop strategies to increase e-wallet adoption. This research study is descriptive in nature. The researchers utilized frequency, percentage, weighted mean, and pearson R as statistical treatment. According to the findings, majority of respondents stated that Information Privacy is the most common and most encountered problem related to their use of e-wallets, while few reported the fewest, which were Unauthorized Application Updates. The statement implies that the majority of respondents were concerned about their information's security and safety. According to respondents, fear stems from concerns about others gaining unauthorized access, data breaches, or the misuse of sensitive information. Conduct interviews and surveys in your community to find out why people aren't using e-wallets. The researchers recommended implementing training programs on e-wallet usage to educate the community through focused campaigns, enhancing the usability and accessibility of the application for ongoing enhancement.

The Role of E-Wallets, Service Quality, and Social Entrepreneurship in Enhancing Business Competitiveness

Purpose: This paper investigates the impact of using e-wallets, service quality, and social entrepreneurship on the competitiveness of MSMEs participants. Method: This study used a sample of 105 respondents who were active members of MSMEs in Sukun Market. These respondents ranged in age from 17 to 72 years old, indicating a broad spectrum of age groups and experiences, which provides a broad understanding of the demographic involved in MSMEs within this area. The method employed in this research included validity and reliability tests to examine the research instrument: a questionnaire, determination coefficient (R-Square), F-Square testing, and hypothesis testing. The testing was conducted using simple regression analysis. Result: The result of the study indicates that the use of e-wallets, service quality, and social entrepreneurship has a 66 percent influence on the competitiveness of MSMEs participants. Therefore, the variables have a positive and significant effect on the competitiveness of MSMEs participants in Sukun Market, Tanjungrejo Village, Malang City.

Factors influencing intention to continue use of e-wallet: mediating role of perceived usefulness

Purpose The extensive use of digital payment methods has made financial ecosystems more open and effective. As technology develops, the future of commerce is significantly shaped by digital payments and e-wallets. This study aimed to examine the influencing factors on the intention to continue use (ICU) of e-wallets. Design/methodology/approach A sample of 246 respondents was employed in the data analysis using Smart-PLS 4. Data were collected from e-wallet users using convenience sampling from India. Online survey was conducted for data collection. Findings This study found that consumers’ intention to continue use of e-wallets is positively influenced by perceived usefulness, perceived ease of use and rewards. Also, perceived usefulness (PU) shows a significant partial mediating role between perceived ease of use (PEOU), rewards (RW) and ICU. However, it shows a fully mediating role between perceived enjoyment (PEJ) and intention to continue use (ICU). Originality/value E-wallet providers should emphasize to provide easy to use e-wallet applications but with rewards. This study added knowledge to the existing literature focusing on the influence of perceived ease of use and rewards on intention to continue use of e-wallets through perceived usefulness, which was not previously tested empirically.

Pengaruh Pengetahuan, Kemudahan Penggunaan, dan Kemanfaatan Quick Response Code Indonesian Standart (QRIS) Terhadap Penggunaan E-Wallet

This research aims to determine whether knowledge, ease of use and usefulness of the Quick Response Code Indonesian Standard (Qris) have a significant effect on the use of E-wallet among FEBI UIN North Sumatra students. The population used in this research were all active students in 2020-2021, Faculty of Islamic Economics and Business, UIN North Sumatra, totaling 4,878 with a sample size of 100 respondents. The sampling technique in this research used Non Probability Sampling using Purposive Sampling. The research method used is a quantitative method with multiple regression analysis, and the data collection technique is carried out by distributing questionnaires. The results of this study show that knowledge has a significant effect on the use of e-wallets among Febi UIN North Sumatra students, ease of use has a significant effect on the use of e-wallets among Febi UIN North Sumatra students, and usefulness has a significant effect on the use of e-wallets among Febi UIN Sumatra students North. Knowledge, ease of use and usefulness have a significant influence on the use of e-wallets among Febi UIN North Sumatra students.

The Influence Of E-Wallet Usage, Financial Literacy And Lifestyle On Financial Management Of Female Civil Servants In Mempawah District

The purpose of this study was to determine the effect of e-wallet usage, financial literacy and lifestyle on financial management of Female Civil Servants in Mempawah Regency. The method used in this research is quantitative method. The population in this study were female civil servants in Mempawah Regency with a total sample of 156 people. The data analysis technique used is multiple linear regression analysis, multiple correlation coefficient (R), coefficient of determination (R2), simultaneous test (F test) and partial test (t test). The results showed a multiple linear regression equation, namely: Y = 4.296 + 0.563 X1 + 0.249 X2 + 0.367 X3. The results of the multiple correlation coefficient show an R value of 0.784, meaning that the variables of e-wallet usage, financial literacy and lifestyle on financial management have a strong relationship. The results of the coefficient of determination R2 show that the contribution of the variables of e-wallet usage, financial literacy and lifestyle in influencing the ups and downs of financial management of Female Civil Servants in Mempawah Regency is 74.7% while the remaining 25.3% is explained by other variables outside the regression model. The results of the simultaneous test (F test) in this study showed an Fcount value of 7.183> 2.66 Ftable. Thus it can be concluded that the use of e-wallets, financial literacy and lifestyle on financial management simultaneously affect the dependent variable, namely financial management. The results of the partial test (t test) on the e-wallet usage variable show a tcount value of 3.811> 1.975 t table, meaning that there is a partially significant influence between the relationship with the use of e-wallets on financial management, while the financial literacy variable shows a tcount value of 2.581> 1.975 t table, meaning that there is a partially significant influence between the relationship with financial literacy on financial management and finally the lifestyle variable shows a tcount value of 3.466> 1.975 t table, meaning that there is a partially significant influence between the relationship with lifestyle on financial management.

EASE TRANSACTIONS AND PRIVACY SECURITY ON THE DECISION TO REUSE QRIS AS A TOOL OF PAYMENT THROUGH USER EXPERIENCE IN MADIUN CITY

This research aims to analyze the use of e-wallets by involving 384 sample respondents. Quantitative methods were used in this research with purposive sampling techniques. Analysis uses Structural Equation Model (SEM) via SmartPLS software version 4.0.0. The research results show that ease of transactions and partial privacy security have a positive and significant influence on user experience. Furthermore, user experience has a strong, positive, and significant influence on reuse decisions. In addition, ease of transaction and privacy security also have a positive and significant influence on reuse decisions through user experience as an intervening variable. This research provides important insight into the factors that influence the decision to reuse the QRIS Mobile Banking feature in Madiun City, as well as observing the importance of user experience in mediating the relationship between ease of transaction and privacy security with the decision to reuse e-wallets.

E-wallet Transaction Framework in Malaysia: An Evaluation of Potential Shariah Issues

The finance industry's rapid growth and technological advances have led to the emergence of e-wallets, an electronic payment method for goods or services without cash. So far in the Islamic finance industry, the use of e-wallets is still in its initial stages, and there is currently no guideline or regulation that governs its transactions. Therefore, this study aims to evaluate potential Shariah issues related to e-wallet transactions as practiced in Malaysia. A qualitative method was employed through content analysis, focusing on Touch 'n Go, GrabPay, and Boost as case studies. The findings highlight crucial Shariah issues surrounding e-wallet application by non-bank issuers, issues of trust account and credit card, and the granting of rewards in the e-wallet, including the transaction for a non-compliance item.The findings contribute significantly to policymakers in formulating Shariah parameter for e-wallet transactions, providing assurance to Muslim users and encouraging them to embrace electronic payment technology with confidence.

Effectiveness of Using E-Wallet as an Alternative to Payment of Parking Fees in Mataram City

Public service levies are one of the largest contributors to PAD through Parking Levy. However, the lack of optimal handling has resulted in regional levies still being the lowest figure in the row of types of Regional Original Income. The Mataram City Government has made a breakthrough with regulations using E-Wallet as a means of paying parking fees. This research seeks to see whether the use of E-Wallet is effective for paying parking fees. Using quantitative methods, data collected through the Financial Report of the Mataram City Transportation Department for 2021 to 2023 is continuously processed using effectiveness ratios. The results show that the use of E-Wallet as a means of paying parking fees based on revenue targets and revenue realization for 3 (three) years from 2021 to 2023 at the Mataram City Transportation Service using an effectiveness ratio gets an average result of 43.45%, which is included in the category ineffective. However, using E-Wallet to pay parking fees is very easy and fast, there is no change and receiving money directly makes transactions safer and also improves parking collection services in Mataram City, minimizing the occurrence of illegal collections carried out by irresponsible individuals. responsibility, and provide satisfaction and transparency of payments in accordance with government regulations to parking service users.

ANALISIS PENGARUH PENGGUNAAN E-WALLET TERHADAP PERILAKU KONSUMEN (STUDI SEBAGIAN MASYARAKAT JAWA TIMUR)

Technological developments are changing society's paradigm from conventional traditions to the digital era, making it possible to fulfill daily needs via smartphone devices. E-Wallet, as a form of digital wallet, is an important phenomenon that is influenced by companies in improving the quality of their applications. Payments with electronic money bring efficiency and a modern lifestyle, the impact of which can be seen in more impulsive consumer behavior. This research aims to explore the deeper impact of using E-Wallets on consumer behavior in the context of ease of transactions, and the extent to which this convenience can change shopping patterns into consumer behavior among the people of East Java who use E-wallets. The research method used is a quantitative approach with surveys (distributing questionnaires), and using the Partial Least Square (PLS) method. The results of this research imply that the ease of use of E-Wallet not only provides transaction efficiency but also economic potential for consumers in East Java. Price and habit factors influence consumer behavior more than E-Wallet performance expectations. Therefore, these findings provide valuable guidance for E-Wallet service providers to design appropriate and effective strategies in the East Java market.

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.

Legal Protection for Consumers Who Use Electronic Wallets (E-Wallets) As a Means of Payment

This research aims to explore and analyze the legal protection of e-wallet applications as a means of payment, as well as factors that influence the use of e-wallets in transactions. The research method used is normative legal research, which relies on the analysis of library materials and secondary data, taking into account the suitability between the theory applied and the relevant legal aspects. The results of this study indicate that to achieve legal protection against e-wallet applications as a means of payment there are two significant things. The first is the legal protection given to customers in cases of data leakage, regulated in Law Number 8 Year 1999 concerning Consumer Protection. Second, the obligations of digital wallet service providers to customers related to financial losses are regulated in Article 7 Letter f of the Consumer Protection Law.

Online Impulsive Buying Behavior (Oibb) Influenced By Hedonism, Resource Availability, And Shopping Convenience Moderated By The Ease Of Using Digital Payment Methods

This research focuses on the influence of hedonism, resource availability, and shopping convenience online impulsive buying behavior (OIBB), moderated by ease of use of digital payment method. Data collected by distributing questionnaires viaa online to 356 respondents. A total of 340 respondents were selected to be the sample because they fit the specified respondent criteria. The data obtained was analyzed using the PLS-SEM method, and processed using SmartPLS software version 4.0. The results of this research show that hedonism and convenience of shopping directly have a positive and significant influence on online impulsive buying behavior. While the availability of resources (money) does not significantly influence online impulsive buying behavior. In the moderation relationship, ease of use of e-wallets is proven to strengthen the relationship between hedonism and online impulsive buying behavior, but can decrease the relationship between shopping convenience and online impulsive buying behavior. Meanwhile, ease of use of e-wallets has no influence on the relationship between availability of funds and online impulsive buying behavior.

The Effect of Financial Literacy, Subjective Norms on the Intensity of Use of e-Wallets Through User Attitudes as Intervening Variables in Employees at the South Sumatra Governor's Office

Financial literacy and subjective norms are things to consider regarding the intensity of E-Wallet use. This study aims to determine the effect of financial literacy, subjective norms on the intensity of e-Wallet use through user attitudes as an intervening variable in employees at the South Sumatra Governor's Office. This research method uses quantitative research. The population in this study were employees of the South Sumatra Governor's Office, totaling 660 people. The sampling technique in this study used purposive sampling technique, purposive sampling is the determination of samples based on certain sample criteria. Based on predetermined criteria, a sample of 112 respondents was obtained. The data analysis technique of this research uses Smart-PLS version 3.2.9. The results of this study indicate that 1) Financial literacy has a positive and significant effect on the intensity of e-wallet use 2) Financial literacy has a positive and significant effect on user attitudes 3) Subjective norms have a positive and significant effect on the intensity of e-wallet use 4) Subjective Norms have a positive and significant effect on subjective norms 5) Intensity of use of e-wallets has a positive and significant effect on user attitudes 6) Financial literacy has a positive and significant effect on the intensity of e-wallet use through user attitudes 7) Subjective Norms have a positive and significant effect on the intensity of e-wallet use through user attitudes 7) Subjective Norms have a positive and significant effect on the intensity of e-wallet use.