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All Journal JRMSI - Jurnal Riset Manajemen Sains Indonesia Jurnal Ilmiah Wahana Akuntansi Jurnal Akuntansi dan Keuangan Indonesian Collaboration Journal of Community Services (ICJCS) PROSIDING SEMINAR NASIONAL FISIKA (E-JOURNAL) Blantika : Multidisciplinary Journal Jurnal Akuntansi, Perpajakan dan Auditing Jurnal Social Society PENG: Jurnal Ekonomi dan Manajemen Ekopedia: Jurnal Ilmiah Ekonomi Jejak digital: Jurnal Ilmiah Multidisiplin Jurnal Ilmu Sosial dan Humaniora Indonesia Economic Journal Jurnal Ilmiah Ekonomi dan Manajemen Indonesia IJEMA
Diena Noviarini
Fakultas Ekonomi Unversitas Negeri Jakarta
Humanities Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Electrical & Electronics Engineering Energy Environmental Science Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Physics Public Health Social Sciences Other

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Faktor-Faktor yang Memengaruhi Continuance Intention Melalui E-Satisfaction Sebagai Variabel Intervening pada Aplikasi Tanda Tangan Digital (Studi Kasus PrivyID) Nurul Faizah; Umi Widyastuti; Diena Noviarini
PENG: Jurnal Ekonomi dan Manajemen Vol. 3 No. 1 (2026): Januari-maret, Circular Economy and Green Innovation for Sustainable Business D
Publisher : Teewan Journal Solutions

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62710/210aw634

Abstract

This study aims to evaluate the effect of perceived ease of use, perceived value, and perceived security on continuance intention in the use of the PrivyID digital signature application, with e-satisfaction as an intervening variable. This study is motivated by the increasing adoption of digital signature technology in Indonesia, particularly PrivyID, which still faces challenges related to sustained usage. The research uses a quantitative approach with a survey method involving 125 PrivyID users. Data analysis was performed using SmartPLS 4 through the Structural Equation Modeling (SEM) approach based on Partial Least Square (PLS). The results show that the three independent variables (perceived ease of use, perceived value, and perceived security) significantly affect e-satisfaction, which then mediates their effect on continuance intention. These findings emphasize that the level of user electronic satisfaction is a key factor in promoting the continued use of digital signature applications. This research contributes theoretically to the development of user behavior models in the context of financial technology, as well as providing practical implications for service providers like PrivyID to enhance user loyalty through optimizing user experience and service security.  
Pengaruh Literasi Keuangan Digital Terhadap Perilaku Menabung Nasabah Bank Digital di DKI Jakarta Wa Ode Regina Hersanti; Umi Widyastuti; Diena Noviarini
PENG: Jurnal Ekonomi dan Manajemen Vol. 3 No. 1 (2026): Januari-maret, Circular Economy and Green Innovation for Sustainable Business D
Publisher : Teewan Journal Solutions

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62710/6ptntj40

Abstract

The objective of this study is to investigate the impact of digital financial literacy on the saving behavior of digital banking users in the DKI Jakarta area, with a particular emphasis on SeaBank customers. The research also explores digital financial literacy in connection with socio-economic variables, such as educational attainment, income level, employment type, and financial learning experience. This study employs a descriptive quantitative methodology and gathers data through an online survey distributed via Google Forms. The data is then analyzed using the Structural Equation Modeling (SEM) approach. The findings indicate that digital financial literacy has a significant and positive effect on individuals' saving behavior. Furthermore, socio-economic conditions are shown to positively and significantly influence digital financial literacy. In contrast, financial education does not demonstrate a significant positive relationship with digital financial literacy.
Pengaruh Literasi Keuangan dan Gaya Hidup terhadap Perilaku Konsumtif Pengguna Shopee Pay Later: Peran Moderasi Kontrol Diri pada Generasi Z Avivi Hilwana. A; Umi Widyastuti; Diena Noviarini
PENG: Jurnal Ekonomi dan Manajemen Vol. 3 No. 1 (2026): Januari-maret, Circular Economy and Green Innovation for Sustainable Business D
Publisher : Teewan Journal Solutions

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62710/k5em1b31

Abstract

The advancement of technology-based financial services has significantly shaped consumer behavior, particularly among Generation Z. One such innovation gaining widespread use is the PayLater feature, which allows users to make purchases and defer payments to a later time. This study investigates the influence of financial literacy and lifestyle on the consumptive behavior of Shopee PayLater users, while also examining the moderating role of self-control. A quantitative research approach was employed by distributing online questionnaires to Generation Z individuals living in the Greater Jakarta area (Jabodetabek), targeting a sample size of 224 respondents. The data were analyzed using Structural Equation Modeling with a Partial Least Squares (SEM-PLS) approach. The results revealed that lifestyle has a positive and significant impact on consumptive behavior (t = 3.768; p = 0.000). Conversely, both financial literacy and self-control were found to have a negative and significant effect on consumptive behavior (t = 3.383 and 3.746; p = 0.001 and 0.000). Furthermore, self-control was shown to moderate the relationship by weakening the influence of both financial literacy and lifestyle on consumptive tendencies (t = 2.602 and 2.447; p = 0.009 and 0.014). All proposed hypotheses were supported by the findings, highlighting the critical role of enhancing financial literacy and strengthening self-control as key strategies to curb excessive spending behaviors among Generation Z. These insights are expected to serve as valuable input for PayLater service providers in developing more responsible and educational features tailored to the behavioral patterns of younger consumers.
Model Kausalitas Intention to Continue Using E-Wallet Dana: Perceived Ease of Use, Perceived Security, dan User Satisfaction Argy Wahyu Prabowo; Umi Widyastuti; Diena Noviarini
PENG: Jurnal Ekonomi dan Manajemen Vol. 3 No. 1 (2026): Januari-maret, Circular Economy and Green Innovation for Sustainable Business D
Publisher : Teewan Journal Solutions

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62710/yac4dw27

Abstract

This study aims to analyze the influence of perceived ease of use, Perceived Security, and User Satisfaction on the Intention to Continue Using the DANA e-wallet. The research is motivated by the growing use of e-wallets in Indonesia, particularly DANA, which calls for a deeper understanding of the factors influencing user loyalty and continued usage. This study employs a quantitative approach using a survey method and an instrument in the form of a questionnaire distributed online to active DANA users in the DKI Jakarta area. The data were analyzed using Structural Equation Modeling (SEM) with the help of SmartPLS software. The results show that Perceived Ease of Use and Perceived Security have a positive and significant effect on user satisfaction. Furthermore, User Satisfaction is proven to have a positive and significant effect on the Intention to Continue Using the DANA e-wallet. These findings highlight the importance of ease of use and a sense of security in enhancing User Satisfaction and encouraging continued use of e-wallet services.
Co-Authors Abdurrasyid Akbar Adelia Tiara Andani Adnan Kasofi Amanda Chrysanti Andhika Satya Aryaguna Argy Wahyu Prabowo Avivi Hilwana. A Damar Lintang Daril Fajar Ardiyansyah Desma Noor Putri Dzaki Hanif Faida Istiqomah Farhan Fajar Sidiq Fathannaufal Amiludin Fauzan Fadlullah Fildzah Shabrina Fini Pandewidinata Gatot Nazir Ahmad Hania Aminah Henry Ocky Hermawan, Sabo Jihan Salsabila Khairunnisa M. Yasser Arafat Manda Raihana Laksita Marsellisa Nindito, Marsellisa Meta Bara Berutu Muhamad Ilham Muhamad Safitri Ruswandi Muhammad Assyifa Muhammad Dzaky Arief Muhammad Fachri Siregar Nadiyah Hibrizi Najwan Tsaqib Nurul Faizah Osly Usman Parimitha, Widya Purwana E.S., Dedi Raka Echa Pratama Rakha Athallah Syahputra Ringga Sentag Asa Ringga Sentagi Asa Rio Danuarta Sihombing Roni Faslah Rumondang, Sintha Ruswandi, Muhamad Safitri Santi Setriyani Setyo Ferry Wibowo Shandy Aditya Singal, Anna Maurina Syafiqah Dewi Ramadhani Tegar Hanafi Terrylina A. Monoarfa Terrylina Arvinta Monoarfa Tineukeu Ariyanti Umi Widyastuti Vira Deyana Cindy Wa Ode Regina Hersanti Wahyu Leksono Winda Khairunnisa YAMANI, AKHMAD Zaid Al Fatiy Zakaria, Adam Zerafim Emmanuel Sharon