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Jurnal Ekonomi dan Bisnis Jagaditha
Published by Universitas Warmadewa
ISSN : 23554150     EISSN : 25798162     DOI : 10.22225/jj
Core Subject : Economy,
Economics, Econometrics & Finance
JAGADITHA: Jurnal Ekonomi & Bisnis P-ISSN: 2355-4150, E-ISSN: 2579-8162 is a journal of economic and bussiness published by Management Deparment, Postgraduated Program, Warmadewa University, provides a forum for publishing research articles or review articles. This journal has been distributed by WARMADEWA PRESS started from Volume 1 Number 1 Year 2014 to present. The scope of journal is restricted to the fields of economic and business study. The journal is published twice a year every march and september.
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Behavioral Determinants of Balipay E-Wallet Adoption among Generation Z Ketut Tanti Kustina; Kadek Mela Kusuma Dewi; Ni Luh Putu Sariani
Jurnal Ekonomi dan Bisnis Jagaditha 1-10
Publisher : Universitas Warmadewa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22225/jj.13.1.2026.1-10

Abstract

This study examines how financial literacy and perceived ease of use shape Generation Z’s e-wallet adoption of the Balipay e-wallet, and whether financial behavior mediates these relationships. Data were collected from 100 Balipay users in Denpasar City using a structured questionnaire. The research model was analyzed using Partial Least Squares–Structural Equation Modeling (PLS-SEM) with SmartPLS to test both direct and indirect effects. Results indicate that financial literacy, perceived ease of use, and financial behavior significantly have positive effects on e-wallet adoption of Balipay. In addition, financial literacy and perceived ease of use significantly enhance financial behavior, which partially mediates their effects on e-wallet adoption. From a practical perspective, the findings suggest that Balipay providers and local stakeholders should integrate user-friendly interface design with targeted financial education programs to encourage responsible and sustained e-wallet adoption among young users. Future studies may compare Balipay with other e-wallet brands and expand the sample beyond Denpasar to improve the external validity of the findings.

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