E-Wallet Adoption in Digital Payment Services: The Impact of Convenience, Trust, and Lifestyle

Zuni Maulidiya (Universitas Islam Negeri Maulana Malik Ibrahim Malang)
Khusnudin Khusnudin (Universitas Islam Negeri Maulana Malik Ibrahim Malang)

Formosa Journal of Multidisciplinary Research (FJMR)
Vol. 4 No. 4 (2025): April 2025

The purpose of this study was to analyze the effect of convenience, trust, and lifestyle on the use of e-wallet digital payment services for students in Malang City. This research uses quantitative methods with a descriptive approach. Data was obtained through a survey involving 105 respondents who were e-wallet user students in Malang City. The results of this study indicate that convenience, trust, and lifestyle have a positive and significant influence on the use of e-wallet digital payment services both partially and simultaneously. With a coefficient of determination of 62%, the three independent variables can significantly explain the use of e-wallet digital payment services for students in Malang City. This research emphasizes that e-wallet service provider companies are expected to maintain and improve service quality, and ease of use related to e-wallet operations, especially for students who use e-wallets efficiently to support their lifestyle behavior.