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Salma, Siti Nikhlatus
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Economics, Econometrics & Finance

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Investigating E-Wallet Adoption Among Gen Z Students: Determinants of Behavioral Intention and Actual Use Salma, Siti Nikhlatus; Permatasari, Ditya
Journal of Enterprise and Development (JED) Vol. 7 No. 1 (2025): January - April
Publisher : Faculty of Islamic Economics and Business of Universitas Islam Negeri Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20414/jed.v7i1.13106

Abstract

Purpose: The primary objective of this study is to examine the determinants influencing individuals’ intentions to adopt digital financial technology, specifically within the context of e-wallet systems.Method: This research employs a quantitative approach, utilizing the Structural Equation Modeling (SEM) framework. A purposive sampling technique was applied to select 216 Generation Z students residing in Malang City as the representative sample.Result: The findings indicate that the behavioral intention to use e-wallets among Generation Z students is significantly shaped by four key factors: perceived usefulness, perceived ease of use, perceived trust, and perceived security. These factors exhibit a synergistic effect in shaping individuals' decisions to adopt e-wallets as digital transaction tools. Furthermore, these factors substantially influence the actual use of e-wallet systems, reflecting the extent to which this technology has been accepted and integrated into the daily lives of Generation Z students.Practical Implications for Economic Growth and Development: This study contributes to economic growth by promoting financial inclusion, enhancing transaction efficiency, and supporting the digitalization of micro, small, and medium-sized enterprises (MSMEs) through the adoption of e-wallets by Generation Z students. Additionally, the increasing utilization of digital payment systems fosters investment opportunities within the fintech sector, thereby encouraging innovation and sustainable economic development.
Investigating E-Wallet Adoption Among Gen Z Students: Determinants of Behavioral Intention and Actual Use Salma, Siti Nikhlatus; Permatasari, Ditya
Journal of Enterprise and Development (JED) Vol. 7 No. 1 (2025)
Publisher : Faculty of Islamic Economics and Business of Universitas Islam Negeri Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20414/jed.v7i1.13106

Abstract

Purpose: The primary objective of this study is to examine the determinants influencing individuals’ intentions to adopt digital financial technology, specifically within the context of e-wallet systems.Method: This research employs a quantitative approach, utilizing the Structural Equation Modeling (SEM) framework. A purposive sampling technique was applied to select 216 Generation Z students residing in Malang City as the representative sample.Result: The findings indicate that the behavioral intention to use e-wallets among Generation Z students is significantly shaped by four key factors: perceived usefulness, perceived ease of use, perceived trust, and perceived security. These factors exhibit a synergistic effect in shaping individuals' decisions to adopt e-wallets as digital transaction tools. Furthermore, these factors substantially influence the actual use of e-wallet systems, reflecting the extent to which this technology has been accepted and integrated into the daily lives of Generation Z students.Practical Implications for Economic Growth and Development: This study contributes to economic growth by promoting financial inclusion, enhancing transaction efficiency, and supporting the digitalization of micro, small, and medium-sized enterprises (MSMEs) through the adoption of e-wallets by Generation Z students. Additionally, the increasing utilization of digital payment systems fosters investment opportunities within the fintech sector, thereby encouraging innovation and sustainable economic development.
Co-Authors Ditya Permatasari