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All Journal JURNAL PENDIDIKAN TAMBUSAI Sumber Informasi Manajemen Bisnis dan Akuntansi
Kiki Putri Amelia
Universitas Muhammadiyah Aceh
Religion Humanities Economics, Econometrics & Finance Social Sciences Other

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Exploring Consumer Perceptions Of E-Wallet Usage In Shopping Practices: A Qualitative Study In Indonesia Hendri Mauliansyah; Kiki Putri Amelia
SUMBER INFORMASI MANAJEMEN BISNIS DAN AKUNTANSI Vol 2 No 1 (2025): Jurnal SIMBAN
Publisher : Gabungan Riset Edukasi dan Ekplorasi Teori (GREET)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.65788/simban.v2i1.28

Abstract

This study explores consumer perceptions of e-wallet usage in shopping practices within the Indonesian context, where digital financial services are rapidly reshaping payment behavior. Using a qualitative design, data were collected through semi-structured interviews and focus groups with 30 participants representing diverse ages, income levels, and geographic locations. Thematic analysis revealed three key findings. First, convenience, transaction speed, promotional incentives, and integration with other digital services emerged as the primary benefits driving adoption, particularly among younger and tech-savvy consumers. Second, concerns over data security, fraud, hidden fees, and technical glitches remained significant barriers, limiting broader trust and acceptance. Third, demographic factors, especially age and digital literacy, strongly shaped adoption patterns, with younger generations showing higher enthusiasm compared to older users. The study also highlights the influence of social dynamics, as peer recommendations and family norms played a critical role in shaping attitudes toward e-wallets. These findings extend the literature by emphasizing the interplay between convenience, security, social influence, and demographic diversity in consumer adoption of digital payment systems in emerging markets. The research contributes theoretical and practical insights for e-wallet providers and policymakers seeking to foster inclusive digital financial ecosystems and enhance consumer trust in the rapidly expanding digital economy.
Pengaruh Kemudahan, Kenyamanan, dan Risiko Transaksi Aplikasi MY Pertamina terhadap Kepuasan Konsumen Pengguna SPBU H. Zamhur Desa Batoh Kota Banda Aceh Rio Febrian; Kiki Putri Amelia; Melvi Havizatun
Jurnal Pendidikan Tambusai Vol. 10 No. 1 (2026)
Publisher : LPPM Universitas Pahlawan Tuanku Tambusai, Riau, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/jptam.v10i1.37429

Abstract

Penelitian ini bertujuan untuk menganalisis pengaruh aplikasi MyPertamina terhadap kepuasan konsumen pengguna SPBU H. Zamhur di Desa Batoh, Kota Banda Aceh. Aplikasi diukur melalui tiga variabel, yaitu kemudahan transaksi, kenyamanan transaksi, dan risiko transaksi. Metode penelitian yang digunakan adalah kuantitatif dengan pendekatan survei terhadap 112 responden yang dipilih menggunakan teknik Simple Random Sampling. Data dianalisis dengan regresi linier berganda pada tingkat kepercayaan 95% (α = 0,05). Hasil penelitian menunjukkan bahwa: (1) kemudahan transaksi berpengaruh positif dan signifikan terhadap kepuasan konsumen, (2) kenyamanan transaksi berpengaruh positif dan signifikan terhadap kepuasan konsumen, (3) risiko transaksi berpengaruh positif dan signifikan terhadap kepuasan konsumen, dan (4) secara simultan, ketiga variabel tersebut berpengaruh signifikan terhadap kepuasan konsumen.
Co-Authors Hendri Mauliansyah Melvi Havizatun Rio Febrian