Use Of E-wallet Research Articles

Use of E-Wallet for Micro Small and Medium Enterprises (UMKM) Users

What factors influence the interest of E-wallet users so that E-wallet service provider companies can determine what users value more when deciding to use the service, as well as develop and improve the quality of this payment system. This research is qualitative, namely, data that is described by category to produce a conclusion. This study shows that Micro, Small, and Medium Enterprises, apart from using cash transactions, also make transactions through E-wallets due to the large number of E-wallet users from consumers. In addition, E-wallets provide several conveniences for their users, including promos. Saving money is very safe, more accessible, and more practical.

THE EFFECT OF USE OF E-COMMERCE AND THE EXISTENCE OF E-WALLET FACILITIES ON CONSUMPTIVE BEHAVIOR IN THE MILENIAL GENERATION IN JAKARTA

This study aims to determine the effect of using e-commerce and using e-wallets on the consumptive behavior of the millennial generation in Jakarta. The method used in this research is a quantitative method. The reachable population in this study is the millennial generation in Jakarta as many as 100 people. Sampling technique with Purposive Sampling, with data collection using a questionnaire. The data analysis technique used in this research is using the primary data of the regression model. The results of this study indicate that: 1) Use of E-Commerce has a positive and significant effect of 6,032 on Consumptive Behavior, 2) Use of E-Wallet has a positive and significant effect of 7,962 on Consumptive Behavior, 3) Use of E-Commerce and Use of E-Wallet simultaneously have a positive and significant effect of 70,6% and the rest are influenced by other factors.

The effect of e-WOM on customer satisfaction through ease of use, perceived usefulness and e-wallet payment

Currently, streaming applications have been widely used by users to get comfort and pleasure in life. Users communicate with each other on social media related to the activities carried out. Communication is formed online as electronic word of mouth (e-WOM) between one user to another. The data distributed was 1238 respondents using streaming applications and 324 respondents in Indonesia who had used e-wallet payments as members. The analysis data was to answer all research hypotheses using partial least squares. The data processing results show that e-WOM impacts the perceived ease of use of e-wallets by 0.408. E-WOM positively impacts the perceived usefulness of the e-wallet by 0.270. E-WOM has an impact on e-wallet payment intention of 0.190. Perceived ease of use has an effect of 0.175 and perceived usefulness of 0.259 on e-wallet payment intention. Perceived ease of use influences perceived usefulness of 0.395. Perceived ease of use and perceived usefulness impact customer satisfaction in terms of 0.157 and 0.217. Finally, it was found that e-wallet payment intention has an impact of 0.173 on customer satisfaction. The results of this study contribute to e-wallet payment users and managers building two-way and effective communication through social media so that they can quickly and accurately solve user problems. The theoretical contribution is to enrich the theory of marketing behavior and technology acceptance models in electronic commerce.

The effect of promotion, expenditure budgeting, and consumptive behavior on Indonesians’ intention of using GoPay or ShopeePay

Unavoidable technological advancements have resulted in new transaction solutions, one of which is the e-wallet. To avoid unnecessary expenses, the use of e-wallets should be accompanied by mental accounting knowledge. GoPay and ShopeePay are two popular e-wallets in Indonesia that will be examined in this study. Using prospect theory and the Technology Acceptance Model (TAM) as theoretical foundations, this study aims to determine the influence of three mental accounting characteristics, such as promotion, expenditure budgeting, and consumptive behavior, on the intention to use GoPay or ShopeePay. After distributing online questionnaires and collecting 291 responses, the data were tested using SmartPLS 3.2.9 software. According to the findings, promotion, expenditure budgeting, and consumptive behavior have a significant positive effect on the intention to use GoPay or ShopeePay. First, the greater the number of promotions offered, the greater the purchase intention through GoPay or ShopeePay. Second, people who budget their expenditure will frequently use GoPay or ShopeePay because they need to maintain their financial stability by using the provided features. Finally, consumptive behavior is motivated by social status or personal pleasure which increases the intention of using GoPay or ShopeePay because it is enjoyable.

Analysis of Factors Affecting International E-Wallet Use

The research in this article will examine whether perceived usefulness, privacy and security of e-wallets, perceived ease of use, and perceived trust mediated by behavioral intention affect the use of e-wallets. This study uses primary data, namely data obtained by distributing questionnaires using a google form to 230 respondents. The research data is processed using the smart PLS 3 program. The results of this study are perceived usefulness, perceived ease of use, and perceived trust have a positive effect on behavioral intention and e-wallet use. For privacy and security, this variable has a positive effect on behavioral intention but has no relationship with e-wallet use. In addition, the study also found a positive relationship between behavioral intention and e-wallet use, so it can be concluded that the actual use of an e-wallet is determined by the user's intention to use it. Therefore, users should be given an understanding of this faster and easier transaction to encourage usage.

Evaluasi Usability pada Aplikasi OVO Menggunakan Metode System Usability Scale (SUS)

In the current era of globalization, information technology is developing very rapidly. On the other hand, during this pandemic due to the impact of COVID-19, Fintech is also widely used, especially the OVO application and plays an important role in reducing the amount of spread of the COVID-19 virus because we don't have direct physical contact. Based on Neurosensum's research, he presented the results of digital research with a special study focusing on the use of e-wallets as a digital transaction medium for 1,000 active e-commerce user respondents of productive age (19-45 years) simultaneously in 8 major cities in Indonesia during November 2020 - January 2021. The results of the research stated that OVO occupies the 2nd place with the highest market penetration and the most promotions, OVO has the lowest rating on the Google Playstore of 4.0. when compared to other fintech applications. Based on data from the Google Playstore, the OVO application has experienced a decrease in rating due to frequent errors, so many users have submitted complaints to reviews on Google Playstore, such as OVO user complaints regarding transaction limits, feature limitations, slow performance of the OVO application. Complaints submitted by OVO users tend to point to the quality of service and systems in the OVO application. Even though the higher the quality of the services provided will significantly affect the level of user satisfaction. In this study, an evaluation was carried out using the SUS method, namely to measure the feasibility level of the application on the user's side so that the application can be useful and can properly address user needs. And based on testing the data that has been processed, the average usability value of the OVO application gets a score of 69.23. This score shows that the OVO application has a usability level already in the OK category where the average usability value of the OVO application is more than equal to 68, which means that it is still generally acceptable but with several improvements such as increasing the use of better features so that it runs smoothly. properly and improve the appearance of the user interface which is easier to understand and use for new users so that it increases good usability in using the OVO application

Can I Trust My Phone to Replace My Wallet? The Determinants of E-Wallet Adoption in North Cyprus

E-wallets and mobile payment systems provide fast, secure, and convenient payment in transactions services while minimizing the need for human interaction. However, the adoption of the technology has had varying levels of success. Using a sample of 300 respondents, the study randomly assigned participants into three conditions and provided different information on how they would be reimbursed by their bank in case of fraud. In the three conditions, this study analyzed how prior consumer knowledge about e-wallet technology along with perceived usefulness, perceived ease of use, and trust may be related to the attitudes on the use of e-wallets, which subsequently relates to the intentions to use this technology. The findings suggest that consumer knowledge about e-wallet technology relates to perceived usefulness, perceived ease of use, and trust, which are known to influence attitude and behavioral intention to adopt and use new technologies such as the e-wallet. In addition, the results displayed that those respondents who were assured of immediate reimbursement in case of fraud may have higher intention to adopt e-wallets when compared to those who were informed of delayed reimbursement or those given no information. While the ANOVA results provided tentative support for the hypothesis that assurance of reimbursement will improve the intention to use e-wallet, the subsequent ANCOVA findings demonstrate that when prior consumer knowledge is taken into consideration and groups are compared with this factor in the equation, the group differences disappear.

Analisa Penggunaan E-Wallet dalam Keseharian Masyarakat di Kabupaten Labuhanbatu

Technology that is currently developing can make it easier for people in various ways. One of the conveniences for the community in their daily lives is the use of cash instead of electronic money (e-wallet). The purpose of this study is to get an overview of the use of e-wallets in Labuhanbatu Regency. This research method uses descriptive qualitative with the type of research in the form of case studies in Rantauprapat. The research was conducted from May 2022 to November 2022. The instruments used were a questionnaire given to the public and in-depth interviews (In-depth Interview). The sample in this study is people with an age range of 15 years - 53 years, further distinguished by categories of finance, food and beverages, shopping. Data analysis techniques use the Miles and Huberman methods. Communities in Labuhanbatu Regency have used e-wallets to make online transactions. The most e-wallet users are men with a percentage of 65.56% and women with 34.44%. The age range that uses ¬e-wallet is in the range of 23 years to 30 years (35.56%). 20% for 15-22 years, 20% for 31-38 years, 15.56% for 39-46 years and 8.88% for 46-53 years. Online transactions commonly used by respondents are in the financial category (78%) to pay electricity bills, health insurance, water bills, and other financial transactions. 15% for food purchases and 7% for drinks.

Continuous intention to use e-wallets in Indonesia: The impact of e-wallets features

Increased use of e-wallets in Indonesia has resulted in high competition among providers. Hence, companies must act to retain customers and impose continuous utilization of their services. This study aimed to investigate the determinants of continuous intention to use the preferred e-wallet in Indonesia. The framework was drawn from the technology continuance theory (TCT) with modifications to fit the e-wallet settings. This study assessed the effect of e-wallet features on continuous intention to use, with attitudes and satisfaction as intervening factors. Data were collected from the general population in Indonesia who uses e-wallets and possesses at least two accounts on different platforms. A total of 948 samples were generated using a web-based self-administrated survey. The data were analyzed using AMOS-SEM by assessing construct validity and reliability, as well as measurement and structural models. The analysis confirms the effect of attitudes and satisfaction on continuous intention. The findings also highlighted the positive impact of service compatibility and merchant networks on attitudes and satisfaction and the positive impact of perceived security toward satisfaction. Unexpected results revealed a strong and direct impact of value of reward programs and merchant networks toward continuance intentions. This study concludes that the modifications of TCT into the e-wallet settings can predict users’ post-adoption behavior. AcknowledgmentThis study is fully funded by the Directorate General of Higher Education of Indonesia with grant number 104/E4.1/AK.04.PT/2021; LPPM: T/37/UN.16.17/PT.01.03/PD UPT- Soshum/2021.

Analisis Faktor-Faktor Yang Mempengaruhi Minat Transaksi Pada Penggunaan Teknologi E-Wallet

This study aims to analyze the factors that influence the interest of transactions on the use of e-wallet. In this study, the independent variable (X) is the perception of benefits, quality, ease of use, and trust and the dependent variable (Y) is the attitude of use. The population taken in this study are active and passive users of the Fintech OVO application. The sampling method taken is non probability sampling with the results of 100 respondents used as samples. While the object of this research is OVO users who have used the OVO electronic wallet several times. The source of the data obtained in this study were the responses of respondents obtained from the results of the questionnaire about the effect of perceived benefits, quality, ease of use, and the confidence distributed to the sample. Scoring by agree-disagree scale technique by developing statements that produce answers to agree-disagree in various ranges of values. The order of scale consists of the numbers 1 (Strongly Disagree) to 5 (Strongly Agree) for all variables. The results of this study indicate that the variables that influence the interests of E-Wallet OVO transactions are the benefits of E-Wallet OVO, the quality of E-Wallet OVO, ease of use of E-Wallet OVO and trust in E-Wallet OVO.
 
 Keywords: E-Wallet, transaction interest, fintech, OVO

PENGGUNAAN SISTEM PEMBAYARAN E-MONEY BERBASIS SERVER UNTUK MENDUKUNG GERAKAN CASHLESS SOCIETY PADA GENERASI MILENIAL

This study aims to find out how to use a Server Based E-Money Payment System to Support the Cashless Society Movement in the millennial generation in the DIV Managerial Accounting Program at the Bali State Polytechnic. Associative quantitative methods are used to describe this phenomenon, through survey data collection in the form of questionnaires distributed by Google. forms. The sampling technique used was purposive sampling. Sample obtained as many as 110 respondents. The indicators used to see the perception of the millennial generation on the use of e-wallet are the perception of convenience, the perception of benefits and the perception of risk. The existing data is then processed and interpreted more deeply so that conclusions can be drawn. The results show that the perception of the ease of using server-based electronic money has no effect on supporting a cashless society, but the perception of benefits is proven to have an effect on supporting a cashless society, while the perceived risk of using server-based electronic money has no effect on supporting the cashless society movement.

Perception of e-wallets as the mode of payment for online enrollment in Marinduque State College

The advancement of finance and technology in what is commonly referred to as Fintech has introduced an opportunity for many business models in the new normal which provides ease of conducting money-related transactions amongst consumers, retailers, suppliers, and society as a whole. One of the most commonly used FinTech is the electronic wallets (e-wallets); a cashless electronic payment system. E-wallets provide the user the services and access to accomplish financial transactions and digital payments quickly that only require the application of smartphones and Internet connectivity. However, there are many perceptions about the application of e-wallets, particularly in e-money-related transactions such as in school enrolment, and would still prefer the use of money in physical form. Therefore, this paper aims to analyze the perceptions among the students from Marinduque State College that contributes to the use of e-wallet as the mode of payment for school enrolment and transactions through the Technology Acceptance Model (TAM) using Perceived Ease of Use (PEU), Perceived Usefulness (PU) Perceived Convenience (PC), Willingness (W) and Behavioral Intention (BI) as the main variables. To reach the objective, a sample size of at least 267 respondents was identified. The questionnaires were sent to 600 students to accommodate possible non-response which are students from the Institute of Information Systems and Technology (IIST) Marinduque State College, and a quantitative approach was applied to examine and test the hypothesis. The study finding shows that Perceived Usefulness (PU) and Willingness (W) have a positive significant effect on the Behavioral Intention (BI) to use an e-wallet as the mode of payment. In contrast, Perceived Convenience (PC) and Perceived Ease of Use (PEU) have no positive significant effect on the Behavioral Intention (BI) to use an e-wallet.

E-Wallet use in Concert Ticket Purchase: The efficiency, security, and satisfactory

Due to the evolution of financial technology in recent years, the number of E-wallet cashless transactions has increased significantly. Payment services have grown increasingly significant in Malaysians' everyday life with the introduction of E-wallets in the country, owing to a variety of planned and accidental occurrences. The goal of this research is to discover the efficiency, security, and satisfaction of E-wallet use in concert ticket purchases. The objectives of this study are to analyze the effectiveness of E-wallets in concert ticket purchasing and to investigate the impacts of E-wallet usage in the music business. The methodology used in this research is the SWOT analysis. The finding reveals that the use of an E-wallet is efficient (saves energy and cost) and (attracts and expands the marketability of ticket sales.). With a low level of risk, an e-wallet has more excellent protection and increases the level of security. Online purchasing satisfies the buyers with valuable benefits and rewards, as well as improves consumers' budgeting. The use of E-wallets generates income for musicians as well as contributes to the reform of the system in the business of buying and selling in the Malaysian music industry.

THE INFLUENCING FACTORS AFFECTING CONSUMER’S INTENTION TO CONTINUOUS USE OF E-WALLET: A PROPOSED MODEL

The purpose of this study is to review the relationship between perceived ease of use, perceived usefulness, attitude, subjective norm, perceived behavioural control, disconfirmation and user satisfaction and consumers’ intention to continuous use. In specific, this study intends to propose a model to identify the influencing factors on this behaviour. This study also proposed a moderator variable which is perceived value. The hypothesis on the proposed framework of this study will be tested, taking the sample of consumers, to determine the factors that affect the continuous to use of e-wallet in Malaysia. The discoveries will be useful as reference for further studies on analysing or evaluating the use of e-wallet payment, to support the rapidly growing cashless society in Malaysia.

PERILAKU PENGGUNAAN E-WALLET KARYAWAN BAGIAN PRODUKSI PT PRATAMA ABADI INDUSTRI (JX) SUKABUMI

This study aims to determine the behavior of using e-wallet in the financial transactions of employees of the Production Department at PT Pratama Abadi Industri (Jx). This study uses a qualitative-descriptive approach. There are 53 informants/respondents. Research data obtained through the collection of questionnaires and interviews. The results showed that (1) the use of e-wallet was very familiar among young employees of the Production Division of PT Pratama Abadi Industri (Jx); (2) Shopeepay and Dana as frequently used e-wallet platforms; (3) The use of e-wallet seems easy; (4) The use of e-wallet is also practical because it can be accessed from a smartphone.

The Effect of E-wallet and Sales Promotion on Purchasing Decisions

E-wallet is an electronic device, online service, or software program that allows one party to make electronic transactions with another party bartering digital currency units for goods and services. This can include purchasing items on-line with a computer or using a smartphone to purchase something at a store. Currently in Indonesia there are many kinds of E-Wallets including; DOKU, BBM money bank Permata, cash XL, Telkomsel T-Cash, CIMB Niaga Mobile Account, and so on. One example of an E-wallet is Gopay, inaugurated in April 2016 that can be used in all payment transactions in the Gojek application. This study aims to investigate the effects of E-wallet and Sales Promotion of Hop Hop Purchasing Decisions among high school students in the city of North Jakarta. This is explanatory research using probability sampling method and using a questionnaire on Google Form for collecting data. The sample used is 100 respondents from high school students who use the GOPAY electronic wallet to buy Hop Hop in the city of North Jakarta. This research uses quantitative analysis: validity, reliability, classic assumptions, correlation coefficient, determination coefficient, simple and multiple linear regression, hypothesis significance of t test and F test. The results of multiple linear regression analysis show that there was an effect of E-wallet and Sales Promotion on purchasing decisions. The variable correlation coefficient of the use of E-wallet and Sales Promotion on the GOPAY E-wallet has a strong relationship. The coefficient of determination of the variable using E-wallet on the Purchasing Decision variable is 59.4%, and the coefficient of determination of the Sales Promotion variable on the Purchasing Decision variable is 43.1%.

Influence Of Financial Technology (E-Wallet) On MSMEs’ Turnover In Denpasar

MSME is a sector that is able to support economic growth in Indonesia. The existence of MSMEs helps the government in absorbing labor. Current technological advances encourage MSME actors to be able to adapt to technology. Technological developments in the payment system are known as Fintech. The use of technology is a choice based on several factors, so the purpose of this study is to determine the effect of business location, education level, and type of business on the turnover of MSMEs that have used Fintech products, namely E-wallet as a transaction tool. This research was conducted in Denpasar City by targeting medium category MSMEs with a sample of 89 respondents, the instruments used were questionnaires and observations. Analysis of the data used in this study is 2SLS. The results of this study indicate that the variables of type of business, education level, business location, and decisions on the use of E-wallet have an effect on MSME turnover. Partially the independent variables that affect the turnover of MSMEs are the type of business, education level, and the decision to use E-wallet.

EVALUASI VALUE PROPOSITION DAN PERCEIVED VALUE APLIKASI E-WALLET MENGGUNAKAN UX HONEYCOMB, UX QUESTIONNAIRE, DAN SYSTEM USABILITY SCALE (STUDI KASUS: OVO, DANA, DAN SHOPEEPAY)

Fintech (Financial Technology) is an innovation in the financial services industry that utilizes technology. In Indonesia, the highest Fintech growth is in the cashless payment section, dominated by e-wallets. Seeing the high growth in the use of e-wallets, application user experience (UX) and usability are part of the crucial components that need to be continuously evaluated and improved. UX is a term used for the interaction users feel in using a product. Usability is a quality attribute that assesses the level of ease of use of the product. This research evaluates the value proposition and perceived value of the OVO, DANA, and ShopeePay e-wallet applications using UX honeycomb, User Experience Questionnaire (UEQ), and System Usability Scale (SUS). The evaluation of the value proposition is based on 7 aspects of UX honeycomb that must be owned by the product so that users get a good experience and evaluation of perceived value using UEQ and SUS metrics. The results of the value proposition analysis show that the OVO application has a useful, usable, desirable, findable, and valuable value of 5. The only credible value in the DANA application gets a 5. While all aspects of the UX Honeycomb of the ShopeePay application, none of them get a value of 5. From the metric, UEQ found all three applications' UX aspects were positive, except for the Novelty OVO aspect, which was neutral. The results of the SUS, the three applications get a grade scale of C, adjective ratings are good and occupy acceptable acceptability ranges. The results of this study indicate that OVO provides the most superior value based on UX Honeycomb. Meanwhile, from the UEQ interpretation, the average user perception is positive on all UX aspects of the three e-wallets. From the SUS interpretation, it was found that the user has received the usability of the three e-wallet applications.

Time Series Model Analysis Using Autocorrelation Function (ACF) and Partial Autocorrelation Function (PACF) for E-wallet Transactions during a Pandemic

The use of e-wallet can be accessed easily via the internet, this can create a positive impact for economic stability after the Covid-19 pandemic. This can move the wheels of the community's economy, through online shopping and the use of e-wallet among the public. The use of a number of digital services in Indonesia has increased during the Covid-19 pandemic. The first position is occupied by e-commerce and the second position is occupied by digital wallets which increased by 65%. Based on data from the increasing number of e-wallet service users in Indonesia. There are several forms of e-wallet that have a large scale, such as GoPay, OVO, Tokopedia, and Bukalapak. Several types of e-wallets can be analyzed for time series models, so that they can help project e-wallet transactions in the post-pandemic future. The method for obtaining the time series model is using the Autocorrelation Function (ACF) and the Patial Autocorrelation Function (PACF).

THE INFLUENCE OF E-WALLET FOR PAYMENT TRANSACTION ON IMPULSIVE BUYING BEHAVIOR IN MANADO

Manado, as the one of city with rapid economic growth in Indonesia, not least got the impact of the trend in the use of E-wallet as a payment method. The amount of public interest in the use of E-Wallet as a payment instrument can be seen from the number of E-Wallet circulating and the number of promotions by E-Wallet providers. E-wallet users are given benefits such as vouchers, rebates/discounts, bonuses, merchandise and many more. In partial test, the purpose of this study is to find out the result of how E-wallet as the payment tools affect consumer impulsive buying behavior in Manado. This research type is qualitative analysis method using purposive sampling as the sampling technique, The sample size of this research is the ten customer that using E-wallet as their payment transaction as the informants. Purposive sampling was used to collecting data through the in depth interview by list of questions. The result shows that all of them choosing e-wallet as a payment method. That most informants almost have the same answers about the advantages to use e-wallet because e-wallet is seen as a convenient and relatively easier way for transaction process, moreover the use of e-wallet lowers the perceived cost with bigger future use. It is also discovered that each person of the customer of the ten informants have their own different experiences and opinions for the advantages and disadvantages of using e-wallet that affects impulsive buying behavior. The advantages of e-wallet possession such as promos and discount attract people attention towards the things that they don’t need. From there it can see how much the possession of e-wallet affects their decision-making process to make such an impulsive decision. Keywords: E-wallet, Impulsive Buying Behavior