PENGARUH PERCEIVED EASE OF USE, ELECTRONIC TRUST DAN ELECTRONIC SECURITY TERHADAP KEPUTUSAN PENGGUNAAN GOPAY PADA GENERASI Z

Sri Wahyuni Romadhon (Universitas Muhammadiyah Sidoarjo)
Alshaf Pebrianggara (Universitas Muhammadiyah Sidoarjo)
Muhammad Yani (Universitas Muhammadiyah Sidoarjo)

MANAJEMEN DEWANTARA
Vol 10 No 1 (2026): MANAJEMEN DEWANTARA

Objectives: To examine the effects of perceived ease of use, electronic trust, and electronic security on Generation Z's decision to use GoPay. Methods: Quantitative research involving 120 active GoPay users, analyzed using PLS-SEM. Research Gap/Novelty: Integrates usability, trust, and security factors to explain Generation Z's digital wallet adoption. Results: All three variables positively and significantly influenced GoPay usage decisions. Interface clarity and platform integrity emerged as important factors. Conclusion: Improving usability, strengthening trust, and ensuring transaction security are essential for encouraging GoPay adoption.