<![CDATA[The development of digital technology has driven a significant increase in the use of cashless payment systems, one of which is the ShopeePay e-wallet. Transaction efficiency has become a critical factor in evaluating the success of e-wallet adoption, as it is influenced not only by the availability of advanced technology but also by users’ readiness and capabilities. This study aims to analyze the effects of technical skills and digital literacy on transaction efficiency in the use of the ShopeePay e-wallet. This research employs a quantitative approach with a causal research design and is analyzed using Partial Least Squares–Structural Equation Modeling (PLS-SEM) through the SmartPLS software. The data were collected from active ShopeePay users who met the research criteria. The results indicate that technical skills have a positive and significant effect on transaction efficiency, with a path coefficient of 0.734 and a T-statistics value of 11.838. In addition, digital literacy is also proven to have a positive and significant effect on transaction efficiency, with a path coefficient of 0.233 and a T-statistics value of 3.555. These findings demonstrate that technical skills exert a more dominant influence than digital literacy in enhancing the transaction efficiency of ShopeePay. Therefore, improving the efficiency of e-wallet transactions depends not only on the sophistication of the payment system but also on the enhancement of users’ technical skills and digital literacy. This study is expected to contribute to the development of user education strategies and the improvement of e-wallet service quality in Indonesia.]]>
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