<![CDATA[The rapid growth of digital payment technology has significantly transformed consumer transaction behavior, making digital wallets an essential component of modern financial services. This study aims to analyze the factors influencing consumer decisions to use digital wallets by examining the effects of perceived usefulness, perceived ease of use, security, trust, and promotional incentives. A quantitative research approach was employed using survey data collected from 250 digital wallet users. The data were analyzed through Structural Equation Modeling (SEM) to evaluate the relationships among the proposed variables. The findings reveal that perceived usefulness, trust, and security have the strongest positive influence on consumer decisions, while ease of use and promotional incentives also contribute significantly. The study concludes that improving functional value, user confidence, and transaction security is essential for increasing digital wallet adoption and sustaining consumer usage]]>
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