JPLED
Vol. 5 No. 4 (2025): Journal of Practice Learning and Educational Development (JPLED) in Progress

The Influence of Convenience, Benefits, and Security on Students' Interest in Using the DANA E-Wallet in the Context of Digital Literacy

Mukaromah, Siti Shahlatul (Unknown)
Octaviana Arisinta (Unknown)



Article Info

Publish Date
27 Oct 2025

Abstract

Rapid advancements in digital technology have shifted consumer behavior toward cashless transactions, making digital wallets increasingly popular, especially among students. DANA is one of the most sought-after digital wallets. This research aims to determine the influence of convenience, benefits, and security variables on the interest in using the DANA e-wallet among students at STKIP PGRI Bangkalan. This quantitative study uses a non-probability sample and involves 40 student respondents who are active users of the DANA application. Data was collected thru online questionnaires and analyzed using multiple linear regression via IBM SPSS version 25. The results show that the variables of ease, benefits, and security have a significant influence, both partially and simultaneously, on students' interest in using DANA. Among the three, the benefits variable has the most dominant influence, followed by security and ease. With a coefficient of determination (R²) value of 0.794, it can be seen that the third variable explains 79.4% of the variation in usage interest. Meanwhile, the remaining 20.6% was influenced by other factors not included in this study. This finding indicates that improving ease of use, tangible benefits, and data security features is crucial in increasing user engagement and interest in digital wallet services, particularly among students.

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Journal Info

Abbrev

jpled

Publisher

Subject

Education Languange, Linguistic, Communication & Media Mathematics Other

Description

Journal of Practice Learning and Educational Development is an open access, peer-reviewed, scientific journal published by GAES (Global Action and Education for Society). The aim of this journal is to publish articles dedicated to the latest outstanding developments in the field of education. It ...