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Nawawi, Hizbul Hadi. "Penggunaan E-wallet di Kalangan Mahasiswa." Emik 3, no. 2 (December 31, 2020): 189–205. http://dx.doi.org/10.46918/emik.v3i2.697.
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Internet users are growing rapidly from time to time throughout the world, including Indonesia. As a result, consumer needs in terms of making payments have changed towards non-cash payments, namely e-wallets, which have become a huge potential in the e-commerce market. The preference for e-wallet transactions is increasing compared to using cash on hand. Most of its users are millennials, including students. This study examines knowledge related to the use of e-wallets and the reasons behind its use. The study involve ten college students, consisting of nine female students, and a male student whose age varies between 19 and 23 years. They come from various universities. Using qualitative approach, this study use in-depth interview as the primary data collection technique and secondary data obtained from relevant website. This research shows that e-wallet is not only understood as a place to store money electronically, but also as a digital payment. In Indonesia there are various e-wallet products. Among others OVO, Gopay, and DANA are the most popular ones. There are three aspects related to the students’ knowledge about e-wallet: source of information, features, and its use. Advertisements from social media, television, and transportation applications are the main sources of information about e-wallets. E-wallet offered various features, such as topping up, paying bills and pulses, and transferring and withdrawing from e-wallets to bank partners. E-wallet is used for a variety of purpose, such as to pay online transportation, to buy food/drinks, to pay bills, etc. There are three basic reasons why students use e-wallet as a payment method, namely because of the promos offered, convenience in transactions, and ease to operate. To attract people to use e-wallets, service providers must work with various merchants, whose promos are increasingly attracting users to use e-wallet for payment. In using e-wallets, students not only feel comfortable, but also convenience in payment because it can be done anywhere as long as the user is connected to the internet.
Keywords : Millenial generation, students, e-wallet, internet, cashless, and digital payment.
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Md. Noor, Mohd Zakhiri, Asmadi Mohamed Naim, Nurul Aini Muhamed, Azrul Azlan Iskandar Mirza, Azuan Ahmad, Shahrul Ridhwan S. Ali, and Abdul Rahman A. Shukor. "LEGAL ISSUES IN E-WALLET PRACTICES." UUM Journal of Legal Studies 12, Number 2 (July 5, 2021): 229–52. http://dx.doi.org/10.32890/uumjls2021.12.2.10.
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E-Wallet has been applied in Muslim and non-Muslim jurisdictions in many parts of the world including Malaysia, China, India, and Korea. The application is widely used and has raised questions with regard to legal and shariah issues. This paper aims to analyse specifically, legal issues affecting e-wallet practices. This paper adopted a qualitative research approach. The data collected include document reviews, ethnographical interviews and observations. This study found several legal issues related to e-wallet inter alia, an unclear position on the liability of board directors of e-wallet operators, breach of mandate and exclusion of liability of e-wallet operators. As e-wallet is important as an enabler to increase financial inclusion, it is important to address the legal issues on e-wallet to enhance good governance and best practices of e-wallet in Malaysia. The findings from this paper can be used as a basis for policymakers including scholars in the formulation of guidelines on legal and shariah compliance of e-wallets.
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P, Jinimol. "A Study on E-Wallet." International Journal of Trend in Scientific Research and Development Volume-2, Issue-4 (June 30, 2018): 358–61. http://dx.doi.org/10.31142/ijtsrd12936.
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Zada, Chrysilla, and Yunita Sopiana. "Penggunaan E- Wallet Atau Dompet Digital Sebagai Alat Transaksi Pengganti Uang Tunai Bagi UMKM di Kecamatan Banjarmasin Tengah." JIEP: Jurnal Ilmu Ekonomi dan Pembangunan 4, no. 1 (May 31, 2021): 251. http://dx.doi.org/10.20527/jiep.v4i1.3556.
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This research is conducted to (1) find out how MSMEs encourage the development of E-wallets or Digital Wallets in Central Banjarmasin district; (2) analyze and find out how the impact of using E-wallet or Digital Wallet as a non-cash payment instrument for SMEs in Central Banjarmasin district. Research respondents are 30 MSMEs using Digital Wallet in Central Banjarmasin district who could be used for data processing. Data processing uses statistical formulas, data processing, and analysis that emphasize direct observation. The results of this study showing that MSMEs encourage the development of E-wallets or Digital Wallets. The data indicated that the use of Digital Wallets has increased. Other findings in this study also show that using a Digital Wallet as a non-cash payment instrument for MSMEs aided them is not providing petty cash for change.
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Leong, Min Yee, Jing Hui Kwan, and Ming Ming Lai. "Technology readiness and UTAUT2 in e-wallet adoption in a developing country." F1000Research 10 (August 27, 2021): 863. http://dx.doi.org/10.12688/f1000research.72853.1.
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Background: An e-wallet is a digital equivalent of a physical wallet which plays an essential role in payment system transformation. To embrace the concept of a cashless society, the Malaysian Government and central bank have taken various steps to encourage the adoption of e-wallets. Despite the seamless services offered by the e-wallet, it is yet to reach high-scale adoption in Malaysia. This study aims to investigate Malaysians’ readiness towards the e-wallet and their perceptions of it by employing the UTAUT2 model. Methods: A total of 309 valid data were gathered and analysed with partial least squares structural equation modelling (PLS-SEM). Results: The findings revealed that the respondents were confident about the new technology and tended to believe that e-wallet was somehow useful for them. The results also disclosed that e-wallet adoption intention was significantly influenced by performance expectancy, price value, facilitating conditions, and followed closely by social influence. Nonetheless, insecurity did not present significant impact on both performance expectancy and effort expectancy of e-wallet. Conclusions: This study provides a substantial contribution to the knowledge domain by combining system-specific and individual-specific models in an e-wallet context. The outcomes of this study would also benefit e-wallet service providers and policymakers by delivering holistic insight into Malaysians’ readiness and adoption behaviour of the e-wallet.
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Alam, Md Mahmudul, Ala Eldin Awawdeh, and Azim Izzuddin Bin Muhamad. "Using e-wallet for business process development: challenges and prospects in Malaysia." Business Process Management Journal 27, no. 4 (May 25, 2021): 1142–62. http://dx.doi.org/10.1108/bpmj-11-2020-0528.
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PurposeThis study aims to explore the challenges and prospects of using e-wallets in Malaysia, and what it means for businesses and customers. Suggested here are strategies to leverage the strengths and opportunities as well as overcome the weaknesses and threats. Suggested here are strategies to leverage the strengths and opportunities as well as overcome the weaknesses and threats.Design/methodology/approachThis study analyses the e-wallet phenomenon using a SWOT (Strengths, Weaknesses, Opportunities and Threats) analysis to assess Malaysian business development. It is supported with findings from the literature and secondary data. The relevant secondary data were collected from Bank Negara Malaysia and the World Bank.FindingsThis study shows that e-wallets in Malaysia have still not achieved their purpose but there is huge potential to do so. The SWOT analysis identified several strengths (e.g. financial incorporation, easy to access, protection and safety, simple for other accounts to connect to, product and consumer service management, quick to implement/administer), weaknesses (e.g. lack of infrastructure and the “tapping” of devices already cornered by the mobile phone market, opportunities (e.g. eliminating fraud, better customer service, promotion/loyalty that can be built into customer experience) and threats (e.g. attacks from viruses, frequent inquiries whether multiple wallets can be used by clients, the concerns of reckless spending behaviour of the e-wallet users).Research limitations/implicationsThis study is crucial for assessing the current situation and the prospects of e-wallets in Malaysia. This study also offers significant insights for policymakers and e-wallet service providers to develop appropriate strategies to enhance e-wallet services in Malaysia.Originality/valueThis paper is the first of its kind to integrate a SWOT analysis and the rapid development of the e-wallet market in Malaysia. Hence, the findings could broaden our knowledge on the fintech industry and enable firms to participate in the e-wallet market.
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Saputri, Anggraeni Dias, and Ahmad R. Pratama. "CLASSIFYING USERS OF INDONESIA’S TOPFIVE E-WALLET SERVICES WITH MCA." Jurnal Sosioteknologi 20, no. 2 (August 31, 2021): 138–48. http://dx.doi.org/10.5614/sostek.itbj.2021.2.1.
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E-wallets have been widely adopted in Indonesian society, providing opportunities for fintech companies to competeon delivering the best service. There has been considerable research conducted on the use of e-wallet services acrossthe globe, however not so many research have provided a comprehensive analysis of the profiles and characteristicsof e-wallet users in Indonesia. This study aims to fill that gap by investigating the profile and characteristics ofusers of the top five e-wallet services in Indonesia based on their popularity, i.e., GoPay, OVO, Dana, LinkAja andShopeePay. This study also aims to understand the differences in user demographic information of each e-wallet.Using the Multiple Corresponding Analysis (MCA) method on the survey data from 409 users of e-wallet services inIndonesia, this study identifies several different profiles of users, i.e., three clusters based on e-wallet ownership andseven clusters based on the most frequently used e-wallet services. The results of this study can help to provide a betterunderstanding of the profiles and characteristics of the e-wallet users in Indonesia, which can be used as inputs to serviceproviders to improve the quality of service they provide to their customers and to reach an even broader audience.
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Prasetya, Machmudin Eka, Intan Salwani Mohamed, Shuhaida Mohamed Shuhidan, and Gede Harja Wasistha. "The COVID-19 Pandemic as a Driving Force for E-Wallet Adoption in Indonesia." Business and Management Horizons 9, no. 2 (December 15, 2021): 40. http://dx.doi.org/10.5296/bmh.v9i2.19335.
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During the COVID-19 pandemic, e-payment systems, also known as cashless payment systems, have steadily evolved as a payment system instrument. Changes in payment methods, followed by a growth in digital payment systems, may be driving people to use e-wallets. The functions of an e-wallet are similar to those of an e-banking or mobile banking account, but an e-wallet gives greater convenience and simplicity of access while making payments. Because the use of e-wallets can help reduce the spread of COVID-19-causing coronaviruses, this study looks into the possibilities of increasing e-wallet usage while also increasing the use of digital payment and online transactions during the COVID-19 outbreak.
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Andrew, Jasmine Vivienne, Sylvia @. Nabila Azwa Ambad, Nur Syahidah Wong Abdullah, Sakka Nordin, and Karen Esther Tan. "A Systematic Review of E-wallet Usage Intention: Integrating UTAUT2 with Perceived Security." Jurnal Intelek 16, no. 1 (January 26, 2021): 124–33. http://dx.doi.org/10.24191/ji.v16i1.372.
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The growth of cashless payment has grown exponentially, including that of e-wallet, in line with the government's plan to build a cashless society. The e-wallet phenomenon is fast becoming an important component for financial inclusion in emerging economies as studies found that the use of digital financial services like mobile money and other fintech applications could provide many potential development benefits. Countries like China have experienced the highest growth in cashless payments over the last five years and is said to be the most educated on mobile payment services. Despite the rapid development of this technology, organizations and consumers are still concerned about rising security issues. As the e-wallets markets are further expected to increase exponentially in Malaysia, it is crucial to study the consumers' behavioral intention to use e-wallets for the benefits of e-wallets service providers and users in Malaysia. Correspondingly, this paper presents a review of the literature aimed at advancing the body of knowledge by proposing a conceptual model on consumers' behavioral intention to use e-wallet (mobile payment) using UTAUT2 as a baseline model. This paper is built upon a systematic literature review method. This paper provides practical implications that would assist e-wallet service providers when devising appropriate strategies in planning and increasing consumers' intention to use the e-wallet.
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Widiyanti, Wiwik. "Pengaruh Kemanfaatan, Kemudahan Penggunaan dan Promosi terhadap Keputusan Penggunaan E-Wallet OVO di Depok." Moneter - Jurnal Akuntansi dan Keuangan 7, no. 1 (March 31, 2020): 54–68. http://dx.doi.org/10.31294/moneter.v7i1.7567.
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Abstract - More online transactions are increasing, causing some new technology in the financial sector, one of which is e-wallet. There are 38 recorded e-wallets in Indonesia that have been licensed by Bank Indonesia, one of which is OVO. As the second most popular e-wallet in Indonesia OVO continues to innovate to increase the use of OVO. This study discusses the great benefits, benefits of using and promoting the decision to use OVO e-wallet by the people in Depok. This research method is quantitative descriptive, with 100 respondents using convenience sampling method. Data processing uses multiple linear analysis. This study produced significant and significant conclusions both partially and simultaneously between the variables of expediency, ease of use and promotion of the decision to use the OVO e-wallet. Keywords : expediency, ease of use, promotion, decision on use, e-wallet
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Hassan, Md Arif, and Zarina Shukur. "Device Identity-Based User Authentication on Electronic Payment System for Secure E-Wallet Apps." Electronics 11, no. 1 (December 21, 2021): 4. http://dx.doi.org/10.3390/electronics11010004.
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E-wallets are a modern electronic payment system technology that easily recognize consumer interest, making our transactions very convenient and efficient. E-wallets are intended to substitute the existing physical wallet, which may tell others something about us as a person. That is why using a physical wallet is a unique, personal experience that cannot be duplicated. A solution would be to replace the physical wallet with an e-wallet on an existing mobile device. The personal nature of the e-wallet is that it should be installed on a unique device. One of the fundamental protections against any illegal access to e-wallet application is through authentication. In particular, the fundamental authentication category used in an existing e-wallet is based on knowledge (i.e., what you know), ownership (i.e., what you have), and biometric (i.e., what you are) authentication, which are sometimes prone to security threats such as account takeover, sim swapping, app cloning, or know your customer verification attacks. The design of an e-wallet authentication on mobile device solution must take into consideration the intensity of the security. To address this problem, this study proposes a design of e-wallet apps with an extension security element that focuses on the device identity in the existing user authentication mechanism. This study covers four fundamental categories of authentication: password, one time password, fingerprints, and international mobile equipment identifier. Using IMEI limits an e-wallet to be in one specific device in one time; this brings it into line with the nature of a physical wallet. In addition, it will be ready to handle the mentioned threats above, which will ultimately result in the far more reliable to use of e-wallet apps. The proposed authentication design has two phases, a registration phase and an authentication phase. The proposed method has been developed and implemented based on an Android Studio Firebase real-time database management and PayPal. In addition, the complete design has been evaluated using functional requirement testing to see how closely it meets functionality requirements. The results obtained from functional testing show that the functionalities of the proposed method meet the requirements, and one cannot use a same account on two devices; hence, it is secure from attacks. The result also shows that the proposed method has no errors. Moreover, it has been shown that our proposed method has better security parameters in terms of the existing method.
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Edeh, Friday Ogbu, Dwi Nita Aryani, Tanuja A/P Subramaniam, Daisy Mui Hung Kee, Tejas Samarth, Rajesh Kumar Nair, Thirumagal A/P Kannappan, Yee Shan Tan, and Yi Ching Teh. "Impact of COVID-19 Pandemic on Consumer Behavior towards the Intention to Use E-Wallet in Malaysia." International Journal of Accounting & Finance in Asia Pasific 4, no. 3 (October 20, 2021): 42–59. http://dx.doi.org/10.32535/ijafap.v4i3.1205.
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The technology-driven era has encouraged Malaysians to use e-Wallet rather than paper money in their daily transactions. Numerous e-Wallet applications have been developed, such as GrabPay, Touch 'n Go eWallet, and Boost. Erstwhile, Malaysians perceived that using e-Wallets is troublesome and worthless. However, the COVID-19 outbreak has reframed the buyers' perceptions otherwise. This study investigates the impact of Covid-19 on consumer behavior towards the intention to use e-Wallet in Malaysia. A sample of 100 Malaysians has voluntarily participated in this survey. Data were assembled through an electronic survey questionnaire. Contrary to popular belief, the findings depicted that the behavioral intention to use e-Wallets among Malaysians had further accelerated due to the convenience perceptions, facilitating conditions, and perceived safety.
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Teo, Siew Chein, Pei Li Law, and Ah Choo Koo. "FACTORS AFFECTING ADOPTION OF E-WALLETS AMONG YOUTHS IN MALAYSIA." Journal of Information System and Technology Management 5, no. 19 (December 1, 2020): 39–50. http://dx.doi.org/10.35631/jistm.519004.
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This study aims to identify the current level of e-wallet adoption among the youths in Malaysia and to examine the factors that drive them to get adapted to the ongoing implementation and development of e-wallet in Malaysia. This study extended the TAM model with perceived security and social influence factors for assessing the attitude among the Malaysian youths towards e-wallet adoption. 200 sets of questionnaires had been gathered from the Malaysian youths, Quantitative data analysis was performed via SPSS and Smart-PLS 3.0 program. The results indicate that perceived security, perceived ease-of-use, and social influence were the significant factors that influence or predict the intention of using e-wallets but leaving the perceived usefulness as an insignificant predictor towards the e-wallet adoption among the Malaysian youths.
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Saputri, Anggraeni Dias, and Ahmad Raf’ie Pratama. "Perbandingan Sikap dan Penerimaan Pengguna Layanan Dompet Digital di Indonesia." Jurnal KomtekInfo 8, no. 2 (June 14, 2021): 154–62. http://dx.doi.org/10.35134/komtekinfo.v8i2.111.
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In Indonesia, the most commonly adopted electronic payment is an e-wallet. E-wallets have become a part of everyday life for Indonesians. Even so, there are not a few Indonesians who have not used this facility, the acceptance of e-wallets in Indonesia is still uneven. There are not a few studies that discuss e-wallets, however limited to research on acceptance without depending on other variables. Therefore this research was conducted to provide an overview of the comparison or differences in the attitudes of e-wallet users in Indonesia. The data obtained were analyzed quantitatively with Manova analysis technique. The findings of this study indicate that there are relatively no differences outside of two things, specifically the social influence in which women report higher scores than men. and on the perception of risk which is quite the opposite, that it was men who reported higher scores that were women. This research can complement and enrich the literature in the field of financial technology and provide an overview of the comparison or differences in attitudes of digital wallet services in Indonesia. In addition, the knowledge from this research is not only beneficial for digital wallet service providers, but widely for the financial technology industry.
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Budiman, Almi, and Baruna Hadibrata. "Technology Acceptance Model Modification for Electronic Wallet Users in Jakarta." Modern Economics 26, no. 1 (June 20, 2021): 17–24. http://dx.doi.org/10.31521/modecon.v26(2021)-03.
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Introduction. The development of mobile payment in Indonesia is increased, especially by the emergence of the two biggest electronic payments, such as Go-Pay and Ovo, which aggressively offer various interesting offers. This affects the enhancement of the use of mobile payment by the public. In the beginning, server-based electronic money services of its appearance were still small, including credit top-up and internet data, and money transfers to banks that include as a member of ATM Bersama (joint ATM). Along with the development of technology, electronic wallets begin to transform by expanding payment services, and several latest e-wallet applications have emerged. Purpose. The purpose of this research is to understand the changes in consumers’ behavior that make payments from using cash and switching to electronic wallets. Results. The results of the analysis in this study were obtained as the below: (1) Perceived ease of use, perceived usefulness, perceived security, and perceived risk and trust have an influence on the intention to use e-wallet electronic application; (2) perceived ease of use and perceived risk have an influence on perceived usefulness of e-wallet user and (3) perceived ease of use, perceived risk, and perceived usefulness influence the perceived trust of e-wallet application users. Conclusions. It can be concluded that the technology acceptance model influences the user in using the electronic wallet as their transaction method since its usage can be trusted. Moreover, the benefit they got from electronic wallet (perceived usefulness) influence their trust and increase the intention of using an electronic wallet
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Bella, Firsty Izzata, and Nadya Fira Efendi. "STRENGTHENING THE ISLAMIC DIGITAL PAYMENT SYSTEM THROUGH SHARIA ELECTRONIC WALLET (E-WALLET)." El Dinar 9, no. 2 (October 29, 2021): 94–107. http://dx.doi.org/10.18860/ed.v9i2.11451.
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The objective of this research is to propose a strategy to strengthen the islamic digital wallet or electronic wallet (e-wallet) in Indonesia to compete with its conventional counterparts. Qualitative research methods with study literature were chosen to explore previous research that had been discussed on e-wallets particularly from the Islamic perspective both at global and national levels through reputable journals, reports, and other supportive documents. The results depicted that the Islamic e-wallet can be optimized through four points, namely promotion, education, collaboration, and trust but remained fulfilling sharia compliance so that the values of Islamic teachings are not vanished. Promotions in the form of cashback can be substituted for points to be converted into donations through the Islamic crowdfunding platform. Education can be improved through social media platforms. The way is by coordinating with Islamic public figures, collaboration with merchants and service providers. Finally increasing trust by safeguarding user data and funds.
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Moorthy, Krishna, Ooi Yin Chiang, Aufa Amalina Kamarudin, Loh Chun T'ing, Chin Yoon Mei, and Sonia Johanthan. "Factors That Influence the Adoption of E-Wallets by the Malaysians." International Journal of E-Adoption 13, no. 2 (July 2021): 78–95. http://dx.doi.org/10.4018/ijea.2021070105.
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E-wallet has become a new payment method in the global trend, replacing cash payment gradually. Malaysia's national bank has set out objectives to move to a cashless society with electronic payment system in its Financial Sector Blueprint 2011-2020. Hence, this research aims to investigate the drivers that affect the behavioural intention of consumers towards the adoption of e-wallets in Malaysia. Performance expectancy, effort expectancy, and social influence are the three factors adopted from the unified theory of acceptance and use of technology model (UTAUT) to demonstrate the intention of consumers on e-wallet adoption. Additionally, perceived security and incentives are integrated into the research model to examine the factors that affect the e-wallet adoption. Four hundred fifty questionnaires were collected and analysed. The results show that all the factors have positive relationship with intention of e-wallet adoption. The research findings contribute to various parties such as the academicians, researchers, service providers, financial institutions, and the government.
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Utami, Meinarini Catur. "IMPLEMENTASI ANALYTICAL HIERARCHY PROCESS (AHP) DALAM PEMILIHAN E-WALLET UNTUK MAHASISWA." Jurnal Ilmiah Matrik 21, no. 3 (December 24, 2019): 259–65. http://dx.doi.org/10.33557/jurnalmatrik.v21i3.730.
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Abstract: An electronic wallet is an electronic service to store the data of the payment instrument, such as a payment instrument using the card and/or electronic money, which can also accommodate the funds, to make the payment. The number of similar applications of electronic wallets available in Indonesia leads to confusion of which applications offer many advantages, easy to use and guaranteed transaction security. By using the Analytical Hierarchy Process (AHP) method to conduct research on three popular electronic wallet applications in Indonesia, especially among students, Dana, Go-Pay, and LinkAja. These three electronic wallet applications compare based on pre-defined criteria and sub criteria to be decided by the AHP calculation where Go-Pay is the best E-wallet Application for students to use
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Siew Bee, Thai, and Kuwa Yan Ying. "An examination of determinants for e-wallet adoption in Malaysia: a combined approach." F1000Research 10 (November 15, 2021): 1155. http://dx.doi.org/10.12688/f1000research.73402.1.
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Background: In this era of innovation in information technology, everything is embedded with technology, and the financial sector is no exception. The term “FinTech” (Financial Services Technology Consortium) attracted the attention of regulators, consumers and investors in 2014. It was initially applied to the back-end systems of financial and banking institutions. However, Fintech has now become more consumer-oriented, as the combination of financial services and information technology. Specifically, it refers to financial services for consumers through technology. The e-wallet is one of the examples of FinTech in payments and infrastructure that can be freely adopted by everyone. However, the penetration of e-wallet usage in Malaysia is still in its early stages compared to other countries. Methods: The aim of this research is to examine the factors that affect the adoption of e-wallets in Malaysia based on five aspects: perceived ease of use, perceived usefulness, perceived risk, social influence and government support. These variables were adopted from the Technology Acceptance Model (TAM) and Theory of Reasoned Action (TRA). Questionnaires were given to a targeted group of 100 e-wallet users in Malaysia using the convenient sampling method. The contribution of each factor in explaining the adoption of e-wallets was analyzed using multiple regression. Results: The results show that social influence has a significant relationship with the adoption of e-wallets in Malaysia: the majority of the respondents are at their prime age and their behaviours tend to be influenced by the reference group. The results from this study may encourage more small and medium enterprises (SMEs) in Malaysia to provide e-wallet payment options, transforming their conventional business into a digital business and spurring the growth of the digital economy in Malaysia. Conclusions: High levels of adoption of e-wallets moves a country towards a cashless society, resulting in better economic growth and environment.
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Fadhilah, Jihan, Cut Aja Anis Layyinna, Rijal Khatami, and Fitroh Fitroh. "Pemanfaatan Teknologi Digital Wallet Sebagai Solusi Alternatif Pembayaran Modern: Literature Review." Journal of Computer Science and Engineering (JCSE) 2, no. 2 (August 10, 2021): 89–97. http://dx.doi.org/10.36596/jcse.v2i2.219.
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Abstract: Financial technology innovation in the form of digital wallets is very interesting to the public. The efficiency offered from this payment system makes people start to switch from conventional payments to digital payments. In addition, many other factors influence multi-generational people using digital wallets as an alternative to their daily payments. The use of digital wallets is currently widely applied to online transportation transactions, purchases in e-commerce, to food and beverage delivery services. The method used in this study is a method of literature study with the goals to find out the development of digital wallet usage in the community from various journals sourced from Scopus and several websites that have been analyzed and processed by researchers into a literature review study. From the results obtained, it can be concluded that from year to year there is an increase in the number of digital wallet users, especially in Indonesia. Moreover after the Covid-19 pandemic, the number of digital wallet users is increasing because people have to avoid physical contact so that more transactions with digitally.Abstrak: Inovasi teknologi keuangan berupa digital wallet sangat manarik perhatian masyarakat. Efisiensi yang ditawarkan dari sistem pembayaran ini membuat masyarakat mulai beralih dari pembayaran konvensional ke pembayaran digital. Selain itu banyak faktor lain yang mempengaruhi para multi generasi menggunakan digital wallet sebagai alternatif pembayaran sehari-hari mereka. Penggunaan digital wallet saat ini banyak diterapkan untuk transaksi transportasi online, pembelian di e-commerce, hingga jasa pesan antar makanan dan minuman. Metode yang digunakan pada penelitian ini yaitu metode studi literatur dengan tujuan untuk mengetahui perkembangan penggunaan digital wallet di masyarakat dari berbagai jurnal yang bersumber dari Scopus dan beberapa website yang telah dianalisis dan diolah peneliti menjadi sebuah kajian literature review. Dari hasil yang didapatkan dapat disimpulkan bahwa dari tahun ke tahun terjadi peningkatan jumlah pengguna digital wallet, khususnya di Indonesia. Apalagi setelah pandemi Covid-19, jumlah pengguna digital wallet semakin meningkat karena masyarakat harus menghindari kontak fisik sehingga lebih banyak melakukan transaksi secara digital.
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Sihaloho, Josef Evan, Atifah Ramadani, and Suci Rahmayanti. "Implementasi Sistem Pembayaran Quick Response Indonesia Standard Bagi Perkembangan UMKM di Medan." Jurnal Manajemen Bisnis 17, no. 2 (April 30, 2020): 287. http://dx.doi.org/10.38043/jmb.v17i2.2384.
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ABSTRACTThe use of server-based electronic money is one of the most popular non-cash payment systems in use today. The form of server-based electronic money is e-wallet / digital wallet. E-wallet can be used to transact by customers, if the merchant provides an application Same e-wallet to customers. This made Bank Indonesia, as the regulator of the payment system, issue a new payment channel namely; QRIS (QR Code Indonesia Standard). The use of QRIS is used to standardize all e-wallets applications that use the QR Code system to conduct payment transactions. This study examines how the application of QRIS to UMKM in Medan, and describes the roles, constraints, and income of UMKM s in the presence of QRIS. The research method used is interviews and literature studies with UMKM traders who have used QRIS as a payment tool in their characters. This research indicates that QRIS has benefits for UMKM traders.
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Raghavendra, R., M. Niranjanamurthy, M. N. Nachappa, and K. B. Shalini. "An Emphasis of Digital Wallets for E-Commerce Transactions." Journal of Computational and Theoretical Nanoscience 16, no. 9 (September 1, 2019): 3748–53. http://dx.doi.org/10.1166/jctn.2019.8244.
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Payment is one of the main parts of the business. Since from the last decade, the use of mobile devices for electronic payment has increased significantly. The current generation of individual payment systems that is replaced the traditional smart cards by mobile devices supplied with E-wallet and M-wallet functions. The spread of such E-wallet systems will depend on their security, functionality ease of use and the effectiveness of realization. E-wallet is a utility which offers users to save their money and make payments anywhere and all time. Many banks and nonbanks organizations are contesting to develop new on this filed. As customers adopt E-wallet and M-wallet. As customers adopt E-wallet and M-wallet, they becoming a cybercrime target. E-wallet provides a monetary action through smartphones which is fruitful freedom for electronic crimes. Quality of the system, quality of service and quality of information has to improve by the mobile wallet service providers for their M-wallet applications.
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Daragmeh, Ahmad, Judit Sági, and Zoltán Zéman. "Continuous Intention to Use E-Wallet in the Context of the COVID-19 Pandemic: Integrating the Health Belief Model (HBM) and Technology Continuous Theory (TCT)." Journal of Open Innovation: Technology, Market, and Complexity 7, no. 2 (May 12, 2021): 132. http://dx.doi.org/10.3390/joitmc7020132.
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Personal safety has had a renewed focus throughout the COVID-19 pandemic, which has led to behavioral change. The adoption of E-wallets facilitates social distancing and thereby helps prevent the spread of the COVID-19 virus. This paper aims to investigate the potential for consumers’ continued usage of an E-wallet service through an integrated framework based on two established models: the Health Belief Model (HBM) and Technology Continuous Theory (TCT). An electronic survey was distributed to a sample of 1080 individuals from academic society in three different Hungarian universities who had used an electronic wallet during the pandemic COVID-19. Structural equation modelling (SEM) was applied in the study and explained the 55.9% variance in consumers’ continuous intention towards E-wallet usage. This study found that while the COVID-19 pandemic strongly influenced the current use of e-wallets; the pivotal factor affecting their continued use is based on consumer self-efficacy. The study has both short and long-term implications; in the short-term, decisionmakers should utilize health threat constructs (as an element of the protective behaviors taken during the COVID-19 pandemic) to motivate consumers to use E-wallets; in the longer-term, banks should develop further strategies that encourage consumer loyalty regarding E-wallets by reassuring customers that these financial services achieve the value and benefits that they expect, resulting in self-efficacy.
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Karthikeyan, K., and M. Dinesh Kumar. "A Comparative Analysis Study on Mobile Banking and Mobile Wallet Services in India." ComFin Research 9, no. 4 (October 1, 2021): 17–23. http://dx.doi.org/10.34293/commerce.v9i4.4307.
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Banking sectors are fully focused on Mobile Banking and Mobile wallets and engage in electronic device and apps initiatives by reducing physical activities in banking operations. Mobile Banking and Mobile Wallet practices perceived various electronic products and services to measures supporting private companies, public and private banking sector procedures to electronic management systems and reduction of fuel and cost proper utilization. They are the best performance and efficiency of Mobile Banking and Mobile Wallet in the key of elements in the financial system. The most important mobile banking services have been mentioned through Account Access, Balance Enquiry, E-Passbook, Account Statement, Fund Transfer, Bill Payment, Branch Locator, ATM Locator and Requests, etc. Mobile wallet’s procedure is to open a zero account to submit KYC for address proof rather than submit a mobile number—payment using a one-time password, pin code, or bar code. The funds are limited to transactions only. Most private companies, public and private sector banks are; Airtel Money, Axis Bank Lime, Citrus Pay, Freecharge, ICICI Pockets, Itz Cash, Jio Money, Mobikwik, Oxigen, mRuppee, Paytm, SBI Buddy, SpeedPay, Vodafone M-Pesa, etc. The awareness of mobile banking and mobile wallet products and services is ready for all people using modern banking activities. Mobile banking and mobile wallets reduce physical activities and use information technology devices for proper handling of banking websites and private company mobile apps etc. This relative study of Mobile Banking and Mobile Wallet shows that there are significant differences in the transactions of Mobile Banking and Mobile Wallet volume and value. Analysis simple percentages have been used to analyze and interpret the data on Mobile Banking and Mobile Wallet volume and value made in India during the study period of 2012-13 to 2018-19 (7 years).
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Sugu, Rajeshkumar, and Azham Hussain. "Bibliometric Analysis of Published Literature on e-Wallet." Webology 18, SI02 (January 13, 2021): 79–91. http://dx.doi.org/10.14704/web/v18si02/web18013.
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The term e-wallet were introduced way back in 1990. First documents regarding e-wallet published in 1995. The research on e-wallet rises drastically after 2017 whereby most people get exposure to the advantages of e-wallet. Banks in Malaysia start offering e-wallet services and e-wallet account since 2018. Thus, the plan of this investigation is analyzing the literature published in the field of e-wallet which are listed in Scopus. The data were exported from Scopus using various methods. Publish or Perish software used to calculate Citation metrics, VOS Viewer used to visualize the data to show the relationship. One of the main tools used is Microsoft Excel to perform data analysis. Standard bibliometric analysis method applied. Based on the search on Scopus, 127 documents were founded in the database, majority of the documents published in English, the number of publications increases after year 2017. One of the main keywords used in the field of e-wallet are digital payment and electronic wallet. Most research related to e-wallet conducted in India while the most cited paper is from France. This study helps to present the development of the scientific literature in e-wallet and helps to identify areas and trends of current research which will lead to potential future research.
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Tehdi, Evan, and Florentina Kurniasari T. "Analysis of the Influence of Technological Innovativeness on Perceived Usefulness, Perceived Ease of Use, and Perceived Playfulness and their implications for Usage Intention: An analysis of LinkAja application users." Business and Entrepreneurial Review 21, no. 2 (October 31, 2021): 231–42. http://dx.doi.org/10.25105/ber.v21i2.9617.
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By using the TAM (Technology Acceptance Model) framework, this study aims to investigate the factors that influence the usage intention of e-wallet applications, especially LinkAja, to make payments in today's digital era. Through the data collection process carried out by surveying 100 respondents, the results found show that the technological innovativeness (IT) variable can indirectly affect usage intention through the variable perceived ease of use and perceived playfulness, besides that it was also found that the variable perceived ease of use (PEU) and perceived playfulness (PP) has a positive effect on usage intention. By investigating digital payments using e-wallets as a means of transactions, this study is expected to contribute to the development of the LinkAja application as one of the largest e-wallet companies in Indonesia, because the digital economy is one of the stimuli that could support the economic development of a country. In addition, the digitization of monetary transactions around the world is also a major factor requiring the use of e-wallets by the public, thereby increasing the number of users in the future. This research is certainly quite important to do because it is hoped that it can add insight to the public about the LinkAja e-wallet and also help the LinkAja company to find out what things affect people's intentions to use LinkAja as their e-wallet so that the company can adjust its development. going forward with variables that do affect the desire to use LinkAja.
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Singh, Surabhi, and Sanchita Ghatak. "Investigating E-Wallet Adoption in India." International Journal of E-Business Research 17, no. 3 (July 2021): 42–54. http://dx.doi.org/10.4018/ijebr.2021070103.
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This study aims to investigate the customer adoption of e-wallets in India. The paper further seeks to explore the significant relationships amongst the constructs of TAM in explaining consumer intention to use the digital wallet. The present study employs an extended TAM framework. The variables of the study are risk, cost, compatibility, usefulness, ease of use, behavioral intention to use, actual usage, etc. for exploring digital wallet usage intentions in Indian consumers. The sample considered was North Indian customers to understand their plan to use a mobile wallet. A standardized scale was used for the present study. The data was collected using a questionnaire with variables of external factors, perception, preference, and usage. Structured equation modeling has been was used to check the model fit of the proposed model, and path analysis revealed the correlations between the endogenous and exogenous variables of the study.
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Ni'mah, Rohmatun, and Indah Yuliana. "E-Wallet: Sistem Pembayaran Dengan Prinsip Hifzul Maal." JURNAL EKONOMI SYARIAH 5, no. 2 (November 13, 2020): 52–66. http://dx.doi.org/10.37058/jes.v5i2.2016.
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Millennials, the development of technology and information have an impact on various systems are no exception to the payment system. Especially in the payment system, technological advances are able to shift the role of cash and electronics wallet (e-wallet) emerged as a payment instrument capable of making payment processes faster, easier, efficient, and safer. Although it has many benefits and advantages, the suitability of e-wallet with maqashid syariah in hifzul maal still needs to be discussed. Conformity with the sharia maqashid is very important to determine whether the e-wallet is in accordance with hifzul maal or not. The method used in this study is a qualitative method with the type of library research. From the results of the study, it was generally obtained e-wallet was in accordance with maqashid syariah. This suitability is obtained by fulfilling the principle of preserving wealth and benefit. However, e-wallet is considered not in accordance with hifzul maal because this e-wallet is still prone to technological crime, and waste can occur because one person can have more than one e-wallet account.
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Salzabella, Syafira, Ujang Sumarwan, and Lilik Noor Yuliati. "Analysis of Factors Influencing Consumers in Using the E-Wallet Application." International Journal of Research and Review 8, no. 6 (June 15, 2021): 45–58. http://dx.doi.org/10.52403/ijrr.20210608.
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The development of electronic money in Indonesia is quite rapid, this is proven to increase the volume of electronic money transactions in 2020 estimated to reach 3.7 billion with the number of electronic money in circulation of 51 electronic money. This research uses TAM which is a model that identifies the acceptance and use of technology for consumers, in this case the e-wallet application. The variables in this study include perceived ease of use, perceived usefulness, advertisements, cashback promos, product innovation and intention to use. This research aims to: 1) analyze demographics, perceived ease of use, perceived usefulness, advertisements, cashback promos, product innovation and the intention to use the e-wallet application services;2) analyze the factors affecting consumers in using the e-wallet application; 3) formulate managerial implications that can be implemented by service providers to increase the use of e-walletapplications. The study was conducted from August 2020 to March 2021. The number of samples used in this study was 407 respondents. Data analysis used descriptive statistics and SEM (Structural Equation Model) with SmartPLS software. The results showed that creating user friendly features to attract new users and retain old users; maintaining the quality of transaction services in terms of speed, convenience and practicality; improving service access when topping up and transferring balances to other users; service providers need to educate and socialize about e-wallets by utilizing cashback promos; improve security systems to safeguard users' personal data; there is a need for a legal protection for application users; and increasing the number of merchants on e-wallet applications. Keywords: intention to use, behavioral intention, e-wallet, TAM, payment method.
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George, Ajimon, and Prajod Sunny. "Developing a Research Model for Mobile Wallet Adoption and Usage." IIM Kozhikode Society & Management Review 10, no. 1 (December 16, 2020): 82–98. http://dx.doi.org/10.1177/2277975220965354.
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The scope of the mobile wallet in a ‘Cashless India’, whose utility has been spurred by the exponentially growing smartphone technology, is a contemporary topic of deliberation. The reach of mobile wallets gets broader each day with the entry of new stakeholders into the scenario, making mobile wallets indispensible for meeting daily needs. Given the COVID-19 pandemic situation, increased reliance on mobile wallets, and its acceptability among the public and other associated e-services, researchers and service providers are eager to explore its adoption as well as its continued usage. This paper theoretically examines factors influencing behavioural intention and actual usage of mobile wallets through various technology adoption models and behavioural studies. Based on an extensive review of the literature, this paper attempts to draw a comprehensive conceptualization of mobile wallet adoption and actual use by exploring the influence of various key factors. This proposed model could successfully present the case of mobile wallet adoption and usage, as well as offer the possibility of deriving important managerial implications concerning effective marketing techniques.
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Salah Uddin, Mohammad, and Afroza Yesmin Akhi. "E-Wallet System for Bangladesh an Electronic Payment System." International Journal of Modeling and Optimization 4, no. 3 (June 2014): 216–19. http://dx.doi.org/10.7763/ijmo.2014.v4.376.
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Yang, Marvello, Abdullah Al Mamun, Muhammad Mohiuddin, Noorshella Che Nawi, and Noor Raihani Zainol. "Cashless Transactions: A Study on Intention and Adoption of e-Wallets." Sustainability 13, no. 2 (January 15, 2021): 831. http://dx.doi.org/10.3390/su13020831.
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This study explored the effect of perceived usefulness, perceived ease of use, social influence, facilitating condition, lifestyle compatibility, and perceived trust on both the intention to use an e-wallet and the adoption of an e-wallet among adults by using the unified theory of acceptance and use of technology (UTAUT). This quantitative study adopted a cross-sectional research design to gather data from 501 respondents using a Google Form. The collected data were analyzed using partial least square structural equation modelling (PLS-SEM). As a result, perceived usefulness, perceived ease of use, social influence, lifestyle compatibility, and perceived trust displayed a significant positive effect on both intentions to use an e-wallet and adoption of an e-wallet. This study evidenced the mediating effect of the intention to use an e-wallet on the correlations between the predictors and adoption of an e-wallet. Both the age and gender of the respondents moderated the effect of lifestyle compatibility on intention to use an e-wallet. The study outcomes serve to inform managers and policy makers to devise effective strategies that capture consumers’ intention to use and experience of using an e-wallet in the midst of a turbulent market. Ultimately, such carefully sculpted policies may promote the digital platform and web-based application, apart from encouraging higher rates of e-wallet adoption in developing countries.
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Caldwell, Tracey. "Locking down the e-wallet." Computer Fraud & Security 2012, no. 4 (April 2012): 5–8. http://dx.doi.org/10.1016/s1361-3723(12)70028-3.
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Nuha, Ulin, Moh Nurul Qomar, and Rafika Anissa Maulana. "Perlukah E-Wallet Berbasis Syariah?" MALIA: Journal of Islamic Banking and Finance 4, no. 1 (March 12, 2020): 59. http://dx.doi.org/10.21043/malia.v4i1.8449.
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<p><em>The purpose of this research is to find out about the transaction system in digital wallets (e-wallets) associated with the wadiah yad dhomanah contract in the study of muamalah fiqh. Whether the transaction is in accordance with the principles of Islamic finance so that it creates peace for Muslims in using the application.</em></p><p><em>Digital payments are currently a public need along with the development of information technology in particular. This is evidenced by the non-cash payment innovation. This innovation in Indonesia was formally carried out by Bank Indonesia through the National Non-Cash Movement (GNNT) in 2014. This movement aims to increase public awareness of the use of non-cash instruments so that a community that uses cashless instruments is gradually formed (cashless). society).</em></p><p><em>The technology cashless society clearly plays an important role in encouraging the consumption of Indonesia's middle class to be more consumptive. The presence of electronic money is one way to encourage people to become consumptive. The touch of technology in consumption through electronic money has provided a new color in interpreting consumption. Consumption does not only use its utility function to spend but also an identity function that needs to be fulfilled. Non-cash payment innovation in Indonesia continues to grow, along with the rise of financial technology (fintech) products in the form of digital wallets (e-wallets) such as Go-Pay, OVO, Dana, LinkAja, Paytren, and so on.</em></p>
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Pratiwi, Lusiana, Sunaryo Sunaryo, and Mugiono Mugiono. "The effect of e-service quality on e-loyalty mediated by e-trust and brand image variables." International Journal of Research in Business and Social Science (2147- 4478) 10, no. 6 (September 28, 2021): 56–62. http://dx.doi.org/10.20525/ijrbs.v10i6.1364.
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The amount of e-wallet providers in Indonesia is so many, so there is intense competition between each e-wallet provider. The tighter competition for e-wallet, makes users not only loyal to one type of e-wallet and makes users switch brands or providers in using an e-wallet. This study aims to investigate the factors that influence e-service quality on e-loyalty mediated by e-trust and brand image. This research is categorized as explanatory research. Respondents in this study were users of the OVO e-wallet application in Malang City, determining the number of samples in this study using a purposive sampling technique with a sample of 200 respondents. The method of collecting data is using a questionnaire, the data is analyzed using PLS-SEM. The results showed that e-service quality had no significant effect on e-loyalty. E-service quality has a significant effect on e-trust, e-trust has a significant effect on e-loyalty. E-service quality has a significant effect on brand image, brand image has a significant effect on e-loyalty. E-trust and brand image can play a fully mediating role in the relationship between e-service quality and e-loyalty. OVO is expected to continue to maintain and increase e-trust because it is proven in this research that e-trust has the greatest influence on e-loyalty so that it can be a competitive advantage for OVO. Keywords: e-service quality, e-loyalty, e-trust, brand image.
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Rodiah, Siti Rodiah, and Inaya Sari Melati. "Pengaruh Kemudahan Penggunaan, Kemanfaatan, Risiko, dan Kepercayaan terhadap Minat Menggunakan E-wallet pada Generasi Milenial Kota Semarang." Journal of Economic Education and Entrepreneurship 1, no. 2 (December 26, 2020): 66. http://dx.doi.org/10.31331/jeee.v1i2.1293.
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Penelitian ini bertujuan untuk mengetahui pengaruh persepsi kemudahan penggunaan, persepsi kemanfaatan, persepsi risiko, dan kepercayaan terhadap minat menggunakan e-wallet pada generasi milenial Kota Semarang. Berdasarkan TAM (Technology Acceptance Model) persepsi kemudahan penggunaan, persepsi kebermanfaatan, dan variabel lain yang dalam penelitian ini yaitu persepsi risiko dan kepercayaan merupakan konstruk yang mempengaruhi minat dalam penerimaan individu terhadap teknologi baru. Populasi dalam penelitian ini adalah generasi milenial pengguna e-wallet di Kota Semarang. Sampel dalam penelitian ini berjumlah 160 orang. Teknik sampling yang digunakan yaitu incidental sampling. Penelitian ini menggunakan pendekatan kuantitatif. Metode pengumpulan data menggunakan kuesioner dan wawancara. Hasil penelitian menunjukkan bahwa persepsi kemudahan penggunaan berpengaruh positif terhadap minat menggunakan e-wallet. Persepsi manfaat berpengaruh positif terhadap minat menggunakan e-wallet. Persepsi risiko berpengaruh negatif terhadap minat menggunakan e-wallet. Kepercayaan berpengaruh positif terhadap minat menggunakan e-wallet. Persepsi kemudahan penggunaan, persepsi kemanfaatan, persepsi risiko, dan kepercayaan secara bersama-sama berpengaruh signifikan terhadap minat menggunakan e-wallet.
Abstract
This study aims to determine the effect of perceived ease of use, perceived usefulness, perceived risk, and trust in the interest in using e-wallet in the millennial generation of Semarang City. Based on the TAM (Technology Acceptance Model) perceptions of ease of use, perceived usefulness, and other variables in this study namely risk perception and trust are constructing that influence interest in individual acceptance of new technologies. The population in this study is the millennial generation of e-wallet users in the city of Semarang. The sample in this study amounted to 160 people. The sampling technique was incidental sampling. This study uses a quantitative approach. Methods of data collection using questionnaires and interviews. The results showed that perceived ease of use had a positive effect on interest in using an e-wallet. Perceived usefulness has a positive effect on interest in using an e-wallet. Perceived risk negatively influences the interest in using an e-wallet. Trust has a positive effect on your interest in using an e-wallet. Perceived ease of use, perceived usefulness, perceived risk, and trust together have a significant effect on interest in using an e- wallet
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Nadhilah, Putri, Ridwan Indra Jatikusumo, and Erwin Permana. "EFEKTIFITAS PENGGUNAAN E-WALLET DIKALANGAN MAHASISWA DALAM PROSES MENENTUKAN KEPUTUSAN PEMBELIAN." JEMMA (Journal of Economic, Management and Accounting) 4, no. 2 (August 6, 2021): 128. http://dx.doi.org/10.35914/jemma.v4i2.725.
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AbstrakPerkembangan teknologi internet semakin hari semakin berkembang pesat. Salah satu dampaknya yaitu timbul kebiasaan baru dalam peralihan bertransaksi tunai menjadi non tunai. Perusahaan Fintech berlomba-lomba menciptakan aplikasi dengan fitur-fitur menarik diantaranya E-Wallet. Saat ini mahasiswa menjadi target baru perusahaan dalam menawarkan fitur tersebut. Penelitian ini bertujuan untuk mengetahui seberapa efektif penggunaan E-Wallet dalam menentukan keputusan pembelian bagi mahasiswa. Teknik pengumpulan data dalam penelitian ini menggunakan analisis data sekunder yang diperoleh masing-masing website/aplikasi penyedia jasa E-Wallet, yakni: www.ovo.id. dan www.gojek.com/gopay/ serta menggunakan studi kepustakaan dari jurnal-jurnal untuk relevan dengan pokok masalah. Teknik analisis data yang digunkan yaitu teknik analisis deskriptif yaitu mengambil simpulan dari pernyataan atau fakta-fakta khusus menjadi persoalan yang spesifik dan dibuat simpulan umum sesuaidengan teori-teori yang tersedia. Hasil dari penelitian ini terdapat tiga alasan yang mendasar yaitu penawaran promo dan fitur menarik, kenyamanan dan kemudahan penggunaan E-Wallet itu sendiri yang menjadikan penggunaan E-Wallet cukup efektif dalam proses menentukan keputusan pembelian di kalangan mahasiswa.Kata kunci: efektifitas, E-Wallet, mahasiswa, pembelian, teknologi AbstractThe development of internet technology is increasingly growing rapidly. One of the impacts is the new habit of switching from cash to non-cash transactions. Fintech companies are competing to create applications with interesting features, including E-Wallet. Currently, students are the company's new target in offering these features. This study aims to determine the effectiveness of using E-Wallet in determining student purchasing decisions. The data technique in this study used secondary data analysis obtained by each E-Wallet service provider site/application, namely: www.ovo.id. and www.gojek.com/gopay/ and uses literature study from journals relevant to the subject matter. The data analysis technique used is descriptive analysis technique which takes statements or specific facts into specific problems and makes general conclusions according to the available theories. The results of this study are three basic reasons, namely promo offers and attractive features, convenience and the use of E-Wallet itself which uses the use of E-Wallet which is quite effective in the process of determining purchasing decisions among students..Keywords: efectivity, E-Wallet, student, purchase, technology
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Ariffin, Shaizatulaqma Kamalul, Mohamad Fakhrul Reza Abd Rahman, Ali Mughal Muhammad, and Qi Zhang. "Understanding the consumer’s intention to use the e-wallet services." Spanish Journal of Marketing - ESIC 25, no. 3 (December 7, 2021): 446–61. http://dx.doi.org/10.1108/sjme-07-2021-0138.
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Purpose The purpose of this paper is to investigate the key factors that explain intention to use e-wallet services (perceived usefulness, perceived ease of use, attitude, subjective norm, positive disconfirmation and perceived behavioral control). The moderating role of perceived value in the relationship between satisfaction and their intention to continue using the e-wallet is also examined. Methodology A total of 257 e-wallet users participated in an online survey and hypotheses were tested with SPSS/PLS-SEM. Findings The constructs technology acceptance model (TAM), theory of planned behavior (TPB) and user satisfaction affect intention to use. However, perceived value does not strengthen the relationship between user satisfaction and e-wallet usage intention. Practical implications The TAM, TPB and expectancy disconfirmation model (EDM) constructs help explain the use of e-wallet services. These results will help the providers of these services to understand user behavior and to design their marketing strategies more appropriately to ensure consumer satisfaction and their intention to use e-wallet services. Originality This study adopts a holistic and integrative approach to explain the continued use of e-wallet services. The model integrates three basic adoption theories: TAM, TPB and EDM.
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Nisa, Mukrimatun, Sudarno Sudarno, and Sugito Sugito. "MODERATING STRUCTURAL EQUATION MODELING DENGAN PARTIAL LEAST SQUARE PADA PEMODELAN PENERIMAAN DAN PENGGUNAAN DOMPET DIGITAL DI KOTA SEMARANG." Jurnal Gaussian 10, no. 1 (February 28, 2021): 66–75. http://dx.doi.org/10.14710/j.gauss.v10i1.30044.
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Digital wallets (e-wallets) are a technology that provides a new perspective for the public on non-cash payments that are far more practical and secure in transactions. The purpose of this study is to determine the factors that influence the success or failure of implementing digital wallets (e-wallets) using the variant-based Structural Equation Modeling method (Partial Least Square). In this decade, an approach has been developed that allows the relationship between an independent variable to the dependent variable which is influenced by other latent variables called Moderating Structural Equation Modeling (MSEM), so this study uses MSEM by measuring it using the ping method. The results of the analysis show that the factors that influence acceptance defined as interest in using the technology are social influences, faciliating conditions and consumer habits. Meanwhile, the factors that influence the use of digital wallets which are defined as usage behavior are interest in use and conditions that facilitate. The use of digital wallets (e-wallets) is also indirectly influenced by social influences, conditions that facilitate and consumer habits. the factor of supporting facilities from the issuer of digital wallets (e-wallets) is a factor that affects directly and indirectly the use of digital wallets (e-wallets). Analysis of Moderating Structural Equation Modeling (MSEM) using the ping method results that experience does not affect the acceptance and use of digital wallets (e-wallets) as moderation Keywords: Acceptance and Use Model, Digital Wallet (E-wallet), Partial Least Square, Moderating Structural Equation Modeling.
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Indriyani, Dila, and Sri Hardianti Sartika. "Pengaruh E-Wallet Terhadap Perilaku Konsumsi Generasi Z Pada Masa Pandemi Covid-19." Widya Cipta: Jurnal Sekretari dan Manajemen 6, no. 1 (February 28, 2022): 68–74. http://dx.doi.org/10.31294/widyacipta.v6i1.12200.
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AbstrakDi saat pandemi wabah covid-19 penggunaan sistem e-wallet semakin meningkat. Dalam penelitian ini bertujuan untuk menganalisis pola perilaku konsumen terhadap kalangan dari usia 18-25 tahun atau bisa disebut dengan kalangan Generasi Z terhadap pemanfaatan e-wallet ketika adanya wabah covid-19. Penelitian ini menggunakan metode penelitian kualitatif, karena dalam penelitian ini peneliti menjelaskan hasil penelitiannya dengan cara memaparkan hasil penelitiannya. Adapun data yang digunakan saat melakukan penelitian ini yaitu dengan memakai jenis data primer, dimana peneliti menyebarkan kuesioner terkait “Pemanfaatan e-wallet dalam pola perilaku konsumsi pada generasi Z disaat masa pandemi covid-19”, yaitu menggunakan sistem google form. Hasil pembahasan atau hasil penelitian dari responden, dengan menambahkan persepsi manfaat, kemudahan dan risiko terhadap pemakaian sistem e-wallet. Hasil dari penelitian dalam persepsi kemudahan dan persepsi manfaat sangat berpengaruh positif terhadap pemakaian sistem dompet digital. Akan tetapi pada persepsi risiko menujukkan pengaruh negative terhadap kategori risiko. Kata Kunci: e-wallet, persepsi manfaat, persepsi kemudahan, persepsi risiko. AbstractSince the COVID-19 pandemic, the use of e-wallet systems is increasing. This study aims to analyze consumer behavior patterns towards people from the age of 18-25 years or can be called Generation Z. This study uses qualitative research methods, because the researcher explains results of his research by describing the results of his research. The type of data used in conducting this research is by using the primary data type, where the researcher distributes a questionnaire related to "Utilization of e-wallet in consumption behavior patterns in generation Z during the covid-19 pandemic", namely by using the google form system. The results of the discussion or research results from respondents, by adding the e-wallet, perceived Ease of use, perceived usefulness, perceived risk of the e-wallet system. The results of the research on category convenience and benefits category have a very positive effect on the use of the e-wallet system. Meanwhile, the category of risk shows a negative effect on the category of risk. Keywords: e-wallet, perceived Ease of use, perceived usefulness, perceived risk.
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Bodhi, Surya, and David Tan. "KEAMANAN DATA PRIBADI DALAM SISTEM PEMBAYARAN E-WALLET TERHADAP ANCAMAN PENIPUAN DAN PENGELABUAN (CYBERCRIME)." UNES Law Review 4, no. 3 (March 1, 2022): 297–308. http://dx.doi.org/10.31933/unesrev.v4i3.236.
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E-wallet is a digital wallet that is used as a transaction tool in digital form, with the existence of an e-wallet the transaction process is faster and easier in this digitalization era because it only has to scan the QR code. However, behind the efficiency and benefits provided, of course there are risks arising from the use of this e-wallet such as the security of our personal data is threatened. The purpose of this study was to determine law enforcement against cybercrime on e-wallet and protection of personal data on e-wallet. The method used in this research is normative research. Based on the principle of legality of cyber crimes such as data theft has violated the ITE Law, therefore a person's personal data must be protected according to the Regulation of the Minister of Communication and Information and Bank Indonesia. According to Philipus M. Hadjon's theory of legal protection, to overcome legal problems such as data theft on e-wallet, preventive and repressive measures are needed.
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Pramelani, Pramelani, and Safrezi Fitra. "Pengaruh Promosi Dan Fitur Layanan Transaksi Terhadap Keputusan Konsumen Dalam Pemilihan E-wallet." Jurnal Bisnis dan Kewirausahaan 16, no. 3 (November 28, 2020): 208–13. http://dx.doi.org/10.31940/jbk.v16i3.2193.
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Dengan semakin menjamurnyae-wallet, maka tidak sedikit yang berlomba-lomba mendapatkan konsumen dengan menawarkan berbagai layanan pada fitur serta promo yang ditawarkan. Para pembisnis berebut dalam menarik konsumen sehingga yang menjadi permasalahan apakah adanya pengaruh promosi dan fitur layanan terhadap keputusan konsumen dalam pemilihane-wallet. Melihat dari permasalahan, penelitian ini bertujuan untuk mengetahui pengaruh promosi dan fitur layanan transaksi terhadap keputusan konsumen dalam pemilihan e-wallet. Metode yang digunakan penelitian kuantitatif dimana pengambilan sampel menggunakan model convenience sampling. Responden adalah pengguna e-wallet yang berada di daerah Jakarta.Analisa yang didapat bahwa terdapat pengaruh positif masing-masing variabel promosi dan variabel fitur layanan transaksi terhadap keputusan konsumen dalam pemilihan e-wallet. Tidak hanya itu pula hasil dari penelitian ini ditemukan pengaruh positif secara serentak pada variabel variabel promosi dan variabel fitur layanan transaksi terhadap keputusan konsumen dalam pemilihan e-wallet.
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Ramadhan, Didit, Ratih Hurriyati, and Lisnawati Lisnawati. "ANALISIS PERILAKU ADOPSI TEKNOLOGI MOBILE WALLET MENGGUNAKAN MODEL UNIFIED THEORY OF ACCEPTANCE AND USE OF TECHNOLOGY3 (UTAUT3) (Survei Pengguna OVO pada Generasi Milenial di Indonesia)." Journal of Business Management Education (JBME) 4, no. 3 (December 15, 2019): 23–29. http://dx.doi.org/10.17509/jbme.v4i3.18659.
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The development of technology has triggered developments in all industrial sectors, including circulation of money. There are three types of money currently circulating, namely currency, demand deposits and e-money. OVO is one of the server-based e-money publishers that can be accessed via a smartphone or commonly known as a mobile wallet. The low number of mobile wallet (m-wallet) users in Indonesia is interpreted from the number of people who use cash compared to m-wallets. Several factors influence the low use of m-wallet in Indonesia. Millennials are considered the generation closest to technology, the presence of new technology is a necessity that is owned by millennials. With this millennial generation, it is expected to be able to improve the performance or effectiveness of the presence of this m-wallet. The type of research used is descriptive verification, namely by describing and exposing the variables studied and then drawing conclusions. The research object is the variable found in the UTAUT3 model. The population in this study were OVO users in Indonesia. Sampling in this study uses non-probability sampling (random sampling) using a purposive sampling technique for 114 OVO users in the millennial generation in Indonesia. Instrument test is done by validity test and reliability test and the analysis technique used is analysis of Structural Equation Modeling based on Partial Least Square (SEM-PLS).
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William, Glen, and Miharni Tjokrosaputro. "PERSEPSI KEGUNAAN DAN PROMOSI UNTUK MEMPREDIKSI NIAT PENGGUNAAN E-WALLET: SIKAP SEBAGAI VARIABEL MEDIATOR." Jurnal Muara Ilmu Ekonomi dan Bisnis 5, no. 1 (January 16, 2021): 74. http://dx.doi.org/10.24912/jmieb.v5i1.9997.
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Tujuan penelitian ini adalah untuk mengetahui apakah Persepsi Kegunaan dan Promosi dapat memprediksi Niat Penggunaan e-wallet sebagai metode pembayaran secara langsung atau melalui Sikap sebagai mediator. Sampel yang diambil dalam penelitian ini adalah 291 orang responden dengan teknik pengambilan sampel non-probability dan menggunakan survei dengan kuesioner online. Data dianalisis menggunakan SmartPLS. Hasil penelitian ini memperlihatkan bahwa Persepsi Kegunaan berpengaruh secara positif dan signifikan terhadap Niat Penggunaan e-wallet sebagai metode pembayaran secara langsung. Selain itu, Sikap memiliki peran signifikan dalam memediasi Persepsi Kegunaan dan Promosi terhadap Niat Penggunaan e-wallet sebagai metode pembayaran. Hasil penelitian ini dapat berkontribusi pada platform e-wallet tentang pentingnya Persepsi Kegunaan dan Promosi terhadap Niat Penggunaan e-wallet sebagai metode pembayaran. Selanjutnya, penelitian ini memperkaya penelitian literatur dengan menggunakan teori perilaku terencana dan model penerimaan teknologi. The aim of this research is to study whether Perceived Usefulness and Promotion can predict Intention to Use of e-wallet as payment method directly or through Attitude as mediator. The sample taken of this study was 291 respondents with nonprobability sampling techniques and using survey by online questionnaire. The data were analized using SmartPLS. The results of this study shows that Perceived Usefulness has positive and significant effect on Intention to Use of e-wallet as payment method. Furthermore, Attitude has significant role in mediating Perceived Usefulness and Promotion on Intention to Use of e-wallet as payment method. Result of this research could contribute to e-wallet platform about the importance of Perceived Usefulness and Promotion on Intention to Use of e-wallet as payment method. Furthermore, this study enrich the literature research by using Theory of Planned Behaviour (TPB) and Technology Acceptance Model (TAM).
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Chandra, Mega Brilliant, and Cliff Kohardinata. "The Effect of Perceived Benefit and Perceived Risk towards Fintech Continuance Intention of E-Wallet." PERFORMA 6, no. 5 (March 15, 2022): 455–64. http://dx.doi.org/10.37715/jp.v6i5.2168.
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E-wallet is one of the products of financial technology service that is developing in Indonesia recently. The tight competition of e-wallet companies can threaten the existence of e-wallet companies’ themselves due to the difficulty to maintain the users to use continuously. The purpose of this research is to find out the effect of perceived benefit on fintech continuance intention and the effect of perceived risk on fintech continuance intention. The type of this research is quantitative research. The population of this research is people who are/ have ever used e-wallet. The total sample that is used in this research is 133 respondents. Data analysis uses SPSS 22 program to do data calculations. The result of the research expresses that perceived benefit affect positive and significant towards fintech continuance intention on e-wallet, whereas perceived risk doesn’t affect significant towards fintech continuance intention on e-wallet.
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Mulyana, Agus, and Hanhan Wijaya. "Perancangan E-Payment System pada E-Wallet Menggunakan Kode QR Berbasis Android." Komputika : Jurnal Sistem Komputer 7, no. 2 (October 31, 2018): 63–69. http://dx.doi.org/10.34010/komputika.v7i2.1511.
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Sistem pembayaran uang elektronik (e-payment) adalah metode alat pembayaran nontunai yang disimpan di dalam server based (e-wallet) atau chip based (e-money). Dengan tujuan, dapat mempermudah penguna saat melakukan transaksi pembayaran atau transfer. Saat ini di Indonesia penguna e-wallet masih lebih kecil dibandingkan pengguna e-money, dikarenakan metode penggunaan e-money dianggap lebih mudah dan fleksibel. Beragamnya metode transaksi pembayaran serta fitur transfer yang hanya ke sesama pengguna e-wallet, membuat e-money lebih digemari masyarakat Indonesia. Untuk memenuhi kebutuhan tersebut maka dari itu perlunya Electronic Data Capture yang dapat memberikan pilihan bagi pengguna untuk bertransaksi menggunakan beberapa metode, yaitu menggunakan sidik jari, kartu rfid, atau aplikasi android.
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Nashirah, Abu Bakar, Sofian Rosbi, and Kiyotaka Uzaki. "E-Wallet Transactional Framework for Digital Economy: A Perspective from Islamic Financial Engineering." INTERNATIONAL JOURNAL OF MANAGEMENT SCIENCE AND BUSINESS ADMINISTRATION 6, no. 3 (2020): 50–57. http://dx.doi.org/10.18775/ijmsba.1849-5664-5419.2014.63.1005.
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The development of electronic wallet (e-wallet) aims to encourage customers and small business owners to use digital payments for a safer, cashless, and efficient transaction. This study developed a procedure to discover the transactional framework for the e-wallet payment system in the digital economy. This study explained the procedure of the transaction process, starting from registration of user and service provider, payment composition, and profit generation for the business model of e-wallet provider. This study provides a precise and reliable analysis to increase public awareness about the e-wallet transaction. At the same time, the framework in this study functions to help small and medium industries grow in the digital economy segments.
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Soodan, Vishal, and Avinash Rana. "Modeling Customers' Intention to Use E-Wallet in a Developing Nation." Journal of Electronic Commerce in Organizations 18, no. 1 (January 2020): 89–114. http://dx.doi.org/10.4018/jeco.2020010105.
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Intention to use e-wallets is affected by a number of factors which are related to consumer perception about privacy, security, price value, benefits etc. A sample of 613 customers of e-wallets in Punjab state in India was validated through mall intercept method. The results indicate that hedonic motivation, perceived security, general privacy, facilitating conditions, performance expectancy, perceived savings and social influence, and price value in this order, influence the intention to adopt e-wallets. Habit and effort expectancy are the hindrances that have a negative impact on the e-wallet adoption. Factors such as hedonic motivations, security, and privacy have larger roles. The service providers should maintain the privacy and security of users and engage customers by modifying the existing services' range and features. The study endorses reduction in the efforts of using e-wallets, and the conversion of habit into more willingly performed behavior. The resulting model can draw meaningful insights about adoption of this emerging payment platform.
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Sari, Andika Nikita, Sri Umi Mintarti, and Sugeng Hadi Utomo. "Penggunaan E-wallet dalam Membentuk Perilaku Konsumsi Mahasiswa." Jurnal Pendidikan: Teori, Penelitian, dan Pengembangan 5, no. 12 (December 29, 2020): 1860. http://dx.doi.org/10.17977/jptpp.v5i12.14365.
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<p><strong>Abstract:</strong> The reasearch is to analyze the consumption behavior of students of the Department Development Economics batch 2018 Universitas Negeri Malang who used e-wallet type linkaja and was conducted by using qualitative approach of phenomenology, since researcher analyzed deeply of the use e-wallet in shaping the consumption behavior of students. Research informants was active students majoring in Development Economics batch 2018. The results showed that, overall the use of e-wallet linkaja by students formed rational consumption behavior. The results of the study were reviewed from the intensity of e-wallet use, TAM acceptance, student consumption strategies in terms of financial management, consumption decision making and rational consumption activity of students.</p><strong>Abstrak:</strong><em> </em>Tujuan penelitian ini untuk menganalisis perilaku konsumsi mahasiswa jurusan Ekonomi Pembangunan Angkatan 2018 Universitas Negeri Malang yang menggunakan <em>e-wallet</em> jenis <em>linkaja</em>. Penelitian ini menggunakan metode kualitatif jenis fenomenologi karena peneliti menganalisis lebih dalam fenomena penggunaan <em>e-wallet<strong> </strong></em>dalam membentuk perilaku konsumsi mahasiswa. Informan penelitian adalah mahasiswa aktif jurusan Ekonomi Pembangunan Angkatan 2018 Universitas Negeri Malang. Hasil penelitian menunjukkan bahwa<strong> s</strong>ecara keseluruhan penggunaan <em>e-wallet</em> <em>linkaja</em> oleh mahasiswa membentuk perilaku konsumsi yang rasional. Hasil penelitian tersebut ditinjau dari intensitas penggunaan <em>e-wallet</em>, penerimaan TAM, strategi konsumsi mahasiswa yang ditinjau dari pengelolaan keuangan, pengambilan keputusan konsumsi mahasiswa, serta aktivitas konsumsi rasional mahasiswa.
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Naomi, Fiona Pappano, and I. Made Dedy Priyanto. "PERLINDUNGAN HUKUM PENGGUNA E-WALLET DANA DITINJAU DARI UNDANG-UNDANG PERLINDUNGAN KONSUMEN." Kertha Semaya : Journal Ilmu Hukum 9, no. 1 (December 14, 2020): 24. http://dx.doi.org/10.24843/ks.2020.v09.i01.p03.
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Penulisan artikel ini bertujuan untuk mengetahui sistem perlindungan hukum dan pertanggungjawaban yang diperoleh pengguna dompet elektronik Dana apabila terjadi kerugian yang disebabkan oleh masalah pada sistem pelayanan fitur-fitur yang diberikan pada aplikasi tersebut. Penulisan artikel ini menggunakan metode penelitian hukum normatif melalui pendekatan undang-undang. Hasil studi menunjukan bahwa pengguna dapat melakukan penuntutan atas kerugian yang mereka alami sebagai wujud pemenuhan atas hak-haknya sebagai pengguna dompet elektronik serta pihak dompet elektronik (e-wallet) Dana bertanggung jawab atas kesalahan yang mengakibatkan kerugian terhadap pengguna aplikasi tersebut yaitu pihak dompet elektronik (e-wallet) bertanggung jawab atas pemberian ganti rugi dan pemberian informasi yang jelas, informasi tersebut berupa informasi mengenai term & condition yang memaparkan secara jelas bagaimana tanggung jawab kedua belah pihak baik konsumen dan penyedia aplikasi, dan tanggung jawab ganti rugi yang diakibatkan oleh kerusakan sistem dompet elektronik (e-wallet) Dana.
This article has a purpose that is to anlyze the system of the legal protection and obligations obtained by Dana consumers by Dana e-wallet if there are losses caused by problems with the service system features provided in the application. The writing of this article uses a normative research through statute approach. The results of the study show that the users can sue for their losses as a form of fulfilling their rights as a user of e-wallet and e-wallet Dana must provide accountability in the form of compensation for losses suffered by the users and e-wallet Dana must be responsible for errors that result in losses to users of the application, so e-wallet Dana parties must be responsible by giving compensation and giving clear information, this information is in the form of information about terms & conditions which clearly describes the responsibilities of both parties, both consumers and application providers, and compensation for damages caused by damage to the electronic wallet system (e -wallet) Dana.