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All Journal Journal of Accounting and Digital Finance
Revaldo, Angga
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Economics, Econometrics & Finance Social Sciences

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Literasi keuangan dan kepercayaan sebagai determinan adopsi dompet digital: Studi pada pengguna Shopeepay di kalangan mahasiswa pendidikan ekonomi Susilowati, Nenden; Febriyanti, Sabrina Alisa; Avrielliandiny, Axelina Dava; Shabrina, Puspita Tyas; Revaldo, Angga
Journal of Accounting and Digital Finance Vol. 5 No. 3 (2025): Journal of Accounting and Digital Finance
Publisher : Nur Science Institute

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53088/jadfi.v5i3.2326

Abstract

The development of digital financial services has changed people's transaction patterns, including among university students. ShopeePay, a popular digital wallet, offers convenience, speed, and secure transactions. However, students' decisions to use it are influenced not only by technical aspects but also by financial literacy and trust levels. This study aims to analyze the influence of financial literacy and trust on the decision to use ShopeePay among Economics Education students using a quantitative approach through a questionnaire survey. The sample for this study consisted of students selected using a proportional random sampling technique. Data were analyzed using validity and reliability tests, classical assumption tests, and multiple regression. The results showed that all variables were valid and reliable, that the regression model met the classical assumption tests, and that financial literacy and trust had a positive and significant effect on the decision to use ShopeePay. Thus, the higher the students' financial literacy and the stronger their trust in ShopeePay, the greater their tendency to use the service. This study suggests that improving financial literacy and strengthening security and trust are important factors in encouraging university students to use digital wallets.
Co-Authors Avrielliandiny, Axelina Dava Febriyanti, Sabrina Alisa Nenden Susilowati Shabrina, Puspita Tyas