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All Journal JSEH (Jurnal Sosial Ekonomi dan Humaniora) Daya Saing : Jurnal Ilmu Manajemen Distribusi JMM UNRAM (Jurnal Magister Manajemen Universitas Mataram) Jurnal Abdimas Sangkabira ALEXANDRIA: Journal of Economics, Business, and Entrepreneurship
G. A. Sri Oktaryani
Fakultas Ekonomi Dan Bisnis Universitas Mataram
Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Industrial & Manufacturing Engineering Social Sciences Other

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Pengaruh Literasi Keuangan Digital, Keamanan, Persepsi Kemudahan Penggunaan dan Reward Terhadap Niat Menggunakan Dompet Digital Arif Rahman; G.A. Sri Oktaryani
ALEXANDRIA (Journal of Economics, Business, & Entrepreneurship) Vol. 6 No. 2 (2025): September
Publisher : Postgraduate, University of Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29303/alexandria.v6i2.1081

Abstract

This study aims to analyze the effect of digital financial literacy, security, perceived ease of use, and rewards on the intention to use digital wallets in Mataram University students. This research uses a quantitative approach with a causal associative method. A sample of 100 respondents was obtained through purposive sampling technique. Data analysis was conducted using Partial Least Squares Structural Equation Modeling (PLS-SEM) with the help of SmartPLS 4 software. The results of the analysis show that security and reward have a positive effect on the intention to use a digital wallet, while digital financial literacy and perceived ease of use do not have a significant effect on the intention to use a digital wallet. These findings indicate that students consider more aspects of system security and direct benefits offered, compared to aspects of literacy or technical perceptions in deciding to use digital wallets. The practical implications of this study indicate the importance for digital wallet service providers to continue to strengthen the security system and develop reward programs that suit the preferences and needs of the younger generation.
Co-Authors Abdul Mannan, Siti Sofiyah Agustiani, Eka Ahyar, Muhammad ARIF RAHMAN Awafiq Abdurrazak Dewi Rahmasari Herman, Lalu Edy I Nyoman Nugraha Ardana Putra Iwan Kusmayadi Iwan Kusuma Negara Kusmayadi, Iwan Nurmayanti, Siti Rizka Azwar, Sabina Jannatin Rohmi Saofiah Suprayetno, Djoko Suryani, Embun Wardani, Laila Weni Retnowati Zainal Abidin Zainal Abidin