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All Journal Scripta Economica: Journal of Economics, Management, and Accounting Ascendia: Journal of Economic and Business Advancement
Chaterine Ratu Rebecca Sirait
Politeknik Negeri Medan
Economics, Econometrics & Finance

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Kemudahan, Keamanan, dan Pengalaman Pengguna: Faktor Penentu Minat Konsumen dalam Menggunakan E-Wallet Annisa Bilkhisti; Anggita Refany Pramudya; Chaterine Ratu Rebecca Sirait
Journal of Economic and Business Advancement Vol. 1 No. 2 (2025): December: Ascendia: Journal of Economic and Business Advancement
Publisher : CV SCRIPTA INTELEKTUAL MANDIRI

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.65310/taz60582

Abstract

This study examines the determinants of consumer interest in using e-wallets by focusing on three core variables: perceived ease of use, security, and user experience. The findings reveal that ease of use significantly increases user willingness to adopt digital payment platforms, particularly when applications offer simple navigation, quick processes, and intuitive interfaces. Security also plays a central role, as strong protection systems such as encryption and multilayer authentication enhance user trust and reduce perceived risks associated with digital transactions. User experience emerges as a decisive factor that integrates technical performance, interface quality, personalization, and seamless transaction flow into a holistic digital interaction that strengthens satisfaction and long-term engagement. The synergy of these three variables generates a positive perception of e-wallet reliability and convenience, thereby influencing users to adopt and continuously use digital payment services. Overall, the study highlights that consumer interest is shaped not by a single factor but by the combined effects of convenience, safety, and meaningful digital experiences.  
Analisis Perilaku Konsumsi Dalam Belanja Online Dikalangan Mahasiswa Shasa Afriza; Isabella Magdalena Simbolon; Hezra Naumi Syariah Panjaitan; Chaterine Ratu Rebecca Sirait
Journal of Economics, Management, and Accounting Vol 1 No 3 (2026): March: Scripta Economica: Journal of Economics, Management, and Accounting
Publisher : CV SCRIPTA INTELEKTUAL MANDIRI

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.65310/xx9wm473

Abstract

The rapid growth of e-commerce has significantly transformed students’ consumption behavior, particularly in online shopping activities. This study aims to analyze consumption patterns among university students and identify factors influencing purchasing decisions and satisfaction in online shopping. A quantitative approach was employed using a survey method involving 26 student respondents who had experience with online shopping. Data were collected through structured questionnaires and analyzed descriptively. The results indicate that female students dominate online shopping activities, with Shopee emerging as the most frequently used platform. The frequency of online shopping among students remains within a moderate range, while fashion products constitute the most commonly purchased items. Price affordability, discounts, ease of use, and consumer reviews are identified as the primary factors influencing purchasing decisions. Although most students express a relatively high level of trust and satisfaction with online shopping, experiences of disappointment due to product mismatch or quality issues are still common. These findings suggest that online shopping has become an integral part of students’ lifestyles, yet conscious control and rational consideration are necessary to prevent excessive consumptive behavior.
Co-Authors Anggita Refany Pramudya Annisa Bilkhisti Hezra Naumi Syariah Panjaitan Isabella Magdalena Simbolon Shasa Afriza