<![CDATA[The background of the author discussing this is because along with the development of the increasingly modern era, it has an impact on the development of increasingly sophisticated technology, thus requiring humans to follow the developments that occur. The use of technological developments in the economy in this modern era can be seen in the development of businesses that are currently penetrating the online system, and also occurs in the payment system, one of which is the non-cash payment system through an electronic wallet. The purpose of this study is to analyze the effectiveness of using E-Wallet (OVO) in increasing the efficiency of financial transactions. to determine the role of security and privacy in increasing the effectiveness of using E-Wallet (OVO). This study uses a qualitative method. The results of this study indicate that the Effectiveness of Using E-Wallet (OVO) in Digital Payments for Islamic Banking Study Program Students at UIN Bukittinggi is effective in increasing the efficiency of user financial transactions because transactions using E-Wallet (OVO) are very easy, besides that transactions using E-Wallet (OVO) also have a good security and privacy system so that it can increase user trust in E-Wallet (OVO).]]>
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