Digital Bisnis: Jurnal Publikasi Ilmu Manajemen Dan E-commerce
Vol. 5 No. 3 (2026): September : Digital Bisnis: Jurnal Publikasi Ilmu Manajemen dan E-Commerce

Pengaruh Kemudahan, Kepercayaan, Manfaat dan Keamanan terhadap Minat Penggunaan E-Wallet Dana pada Mahasiswa ITSNU Pekalongan

Kurnia Dwi Hartanti (ITSNU Pekalongan)
Ali Imron (ITSNU Pekalongan)



Article Info

Publish Date
01 Sep 2026

Abstract

This study aims to analyze the effect of perceived ease of use, trust, usefulness, and security on the intention to use the DANA e-wallet among students of the Faculty of Creative Design and Digital Business, ITSNU Pekalongan, both partially and simultaneously. This research employs a quantitative approach, with a population of 277 students and a sample of 73 respondents selected using purposive sampling technique. Data were collected through questionnaires based on a Likert scale and analyzed using SPSS version 26. The results of the t-test indicate that perceived ease of use has a positive and significant effect on usage intention, as evidenced by a t-value of 4.641 > t-table of 1.667 and a significance value of 0.000 < 0.05. Trust also shows a positive and significant effect, with a t-value of 2.599 > 1.667 and a significance value of 0.011 < 0.05. Similarly, perceived usefulness has a positive and significant effect, with a t-value of 2.851 > 1.667 and a significance value of 0.006 < 0.05. Security also has a positive and significant effect on usage intention, with a t-value of 3.939 > 1.667 and a significance value of 0.000 < 0.05. Furthermore, the results of the F-test show that all independent variables simultaneously have a significant effect on the intention to use the DANA e-wallet, with an F-value of 42.635 > F-table of 2.507 and a significance value of 0.000 < 0.05. The Adjusted R Square value of 0.698 indicates that 69.8% of the variation in usage intention can be explained by the variables of perceived ease of use, trust, usefulness, and security, while the remaining 30.2% is influenced by other factors outside this research model.

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Journal Info

Abbrev

Digital

Publisher

Subject

Decision Sciences, Operations Research & Management Economics, Econometrics & Finance

Description

Kajian-kajian tersebut diharapkan dapat memperkaya khasanah keilmuan di bidang manajemen dan bisnis sehingga dapat menjadi salah satu referensi bagi para akademisi, pemangku kepentingan dan masyarakat luas. Manajemen SDM Keuangan Akutansi Ekonomi ...