<![CDATA[This research aims to examine how student’s decisions to use digital wallets in Jambi City are influence by their perceptions of ease of use, trust, and personal financial risk. The study applies a quantitative approach, where data were collected by distributing questionnaires to student who actively use digital wallet service. Data analysis in this research was conducted using the SEM-PLS technique. The finding reveal that perceived ease of use has a positive and significant effect on the decision to adopt e-wallets, with a coefficient value of 0,396. Trust also shows a positive and significant influence with a coefficient value of 0,477. In addition, personal financial risk demonstrates a positive and significant relationship with a coefficient value of 0,125. These results suggest that although student take potential risk into account, ease of use and trust play a more decisive role in shapping their decisions to utilize e-wallet service. Futhermore, this study supports the relevance of the Technology Acceptance Model in explaining decisions regarding the use of digital wallets, where perceptions of ease of use and trust are key factors in technology adoption, while personal financial risk encourage users to be more cautions when using digital services.]]>
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