Kemudahan Dan Keamanan Sebagai Determinan Minat Penggunaan Uang Elektronik Mahasiswa Di Gorontalo Utara

Nadia A. Lesi; Nur Lazimatul Hilma  Sholehah; Fitrianti

doi:10.5281/

Authors

Nadia A. Lesi Universitas Ichsan Gorontalo Author
Nur Lazimatul Hilma Sholehah Universitas Ichsan Gorontalo Author https://orcid.org/0000-0002-4647-6755
Fitrianti Universitas Ichsan Gorontalo Utara Author

DOI:

https://doi.org/10.5281/

Keywords:

Electronic Money, Ease of use, Perceived Security

Abstract

Penelitian ini menganalisis pengaruh persepsi manfaat, kemudahan, dan keamanan terhadap minat penggunaan uang elektronik pada mahasiswa Universitas Ichsan Gorontalo Utara. Penelitian menggunakan survei kuantitatif potong lintang terhadap 75 mahasiswa yang dipilih dari populasi 294 pengguna uang elektronik. Data dikumpulkan melalui kuesioner skala Likert lima tingkat dan dianalisis dengan regresi linear berganda. Ketiga prediktor secara bersama-sama berpengaruh terhadap minat penggunaan (F = 6,741; p < 0,001) dengan koefisien determinasi 22,2%. Persepsi manfaat tidak berpengaruh secara parsial (B = -0,074; p = 0,759). Kemudahan berpengaruh positif (B = 0,533; p = 0,002), sedangkan keamanan memberikan pengaruh positif paling kuat (B = 0,557; beta = 0,379; p < 0,001). Temuan menunjukkan bahwa kesederhanaan operasional serta keyakinan terhadap perlindungan transaksi dan data lebih menentukan minat mahasiswa dibandingkan manfaat umum yang telah dianggap sebagai karakteristik dasar layanan uang elektronik.

References

Abbasi, G. A., Sandran, T., Ganesan, Y., & Iranmanesh, M. (2022). Go cashless! Determinants of continuance intention to use e-wallet apps: A hybrid approach using PLS-SEM and fsQCA. Technology in Society, 68, 101937. https://doi.org/10.1016/j.techsoc.2022.101937

Al-Qudah, A. A., Al-Okaily, M., Alqudah, G., & Ghazlat, A. (2024). Mobile payment adoption in the time of the COVID-19 pandemic. Electronic Commerce Research, 24, 427-451. https://doi.org/10.1007/s10660-022-09577-1

Bank Indonesia. (2024). Laporan Perekonomian Indonesia 2024. https://www.bi.go.id/id/publikasi/laporan/Pages/LPI_2024.aspx

Belmonte, Z. J. A., Prasetyo, Y. T., Cahigas, M. M. L., Nadlifatin, R., & Gumasing, M. J. J. (2024). Factors influencing the intention to use e-wallet among Generation Z and Millennials in the Philippines: An extended technology acceptance model approach. Acta Psychologica, 250, 104526. https://doi.org/10.1016/j.actpsy.2024.104526

Daragmeh, A., Sagi, J., & Zeman, Z. (2021). Continuous intention to use e-wallet in the context of the COVID-19 pandemic: Integrating the Health Belief Model and Technology Continuous Theory. Journal of Open Innovation: Technology, Market, and Complexity, 7(2), 132. https://doi.org/10.3390/joitmc7020132

Dewi, E., Pambudi, J. E., & Priyatna, E. H. (2022). Minat menggunakan dompet digital OVO: Kemudahan penggunaan dan kepuasan pelanggan. Digital Business Journal, 1(1), 1. https://doi.org/10.31000/digibis.v1i1.6598

Leon, C. (2021). The adoption of a mobile payment system: The user perspective. Latin American Journal of Central Banking, 2(4), 100042. https://doi.org/10.1016/j.latcb.2021.100042

Lim, W.-L., Munikrishnan, U. T., Leong, C.-M., Hiew, L.-C., Leong, M.-W., & Yang, L. (2024). Do you want a secure e-wallet? Understanding the role of risk and security in e-wallet continuance intention. Information & Computer Security, 32(3), 304-321. https://doi.org/10.1108/ICS-05-2023-0085

Listiyono, H., Sunardi, Sugiyamto, & Utomo, A. P. (2023). Factors affecting students' intentions to use the university's electronic payment system. Scientific Journal of Informatics, 10(2). https://doi.org/10.15294/sji.v10i2.43825

Pham, T.-V., Hoang, N.-Y. N., & Do, H.-N. (2021). The “e-wallet generation”: How barriers and promoting factors influence intention to use. The Review of Socionetwork Strategies, 15, 413-427. https://doi.org/10.1007/s12626-021-00088-3

Rahmadhani, S. D., Buchdadi, A. D., Fawaiq, M., & Prasetya, B. A. (2022). Determinants of intention to use e-wallet in Generation Z. BISMA (Bisnis dan Manajemen), 15(1), 60-77. https://doi.org/10.26740/bisma.v15n1.p60-77

Rosli, M. S., Saleh, N. S., Md. Ali, A., & Abu Bakar, S. (2023). Factors determining the acceptance of e-wallet among Gen Z from the lens of the extended Technology Acceptance Model. Sustainability, 15(7), 5752. https://doi.org/10.3390/su15075752

Salah, O. H., & Ayyash, M. M. (2025). Understanding user adoption of mobile wallet: Extended TAM with knowledge sharing, perceived value, perceived privacy awareness and control, perceived security. VINE Journal of Information and Knowledge Management Systems, 55(5). https://doi.org/10.1108/VJIKMS-03-2023-0055

Sugiono, S., & Nugraheni, R. (2023). Cashless society: Cluster analysis of electronic payment users in e-commerce. JEJAK: Jurnal Ekonomi dan Kebijakan, 16(2), 286-301. https://doi.org/10.15294/jejak.v16i2.42451

Truc, L. T. (2024). Empowering tomorrow: Unleashing the power of e-wallets with adoption readiness, personal innovativeness, and perceived risk to clients' intention. Journal of Open Innovation: Technology, Market, and Complexity, 10(3), 100322. https://doi.org/10.1016/j.joitmc.2024.100322