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All Journal INTERNATIONAL JOURNAL OF ECONOMIC LITERATURE (INJOLE)
Ni Luh Karmini
Department of Economics, Faculty of Economics and Business, Udayana University

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FACTORS INFLUENCING E-WALLET USAGE AMONG GENERATION Z IN DENPASAR CITY Komang Intan Tri Wahyuni; Ni Luh Karmini
INTERNATIONAL JOURNAL OF ECONOMIC LITERATURE Vol. 3 No. 12 (2026): INTERNATIONAL JOURNAL OF ECONOMIC LITERATURE (INJOLE)
Publisher : Adisam Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.5281/zenodo.21756092

Abstract

Digital transformation has made financial systems more practical through the use of e-wallets as an innovative payment instrument. This study aims to analyze the effects of income, perceived ease of use, social influence, and security on e-wallet usage among Generation Z in Denpasar City. This study employed an associative quantitative approach, with data collected from 100 respondents using a non-probability sampling technique through quota sampling. The data were analyzed using Partial Least Squares-based Structural Equation Modeling (PLS-SEM). The results demonstrate that income, perceived ease of use, social influence, and security have positive and significant direct effects on e-wallet usage among Generation Z in Denpasar City. Security was identified as the most dominant factor influencing the decision to use digital wallets. The R-squared value of 0.607 indicates that the independent variables included in the model explain 60.7% of the variation in e-wallet usage. These findings suggest that higher levels of income, perceived ease of use, social influence, and perceived security are associated with greater e-wallet usage among Generation Z in Denpasar City.
Co-Authors Komang Intan Tri Wahyuni