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1
Pradipta, Indry Aristianto, and Meisy Tresia. "Analysis of factors affecting the acceptance or use of e-wallet in Jakarta." Journal of Economics and Business Letters 1, no. 4 (2021): 27–32. http://dx.doi.org/10.55942/jebl.v1i4.129.
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Technology is developing rapidly and has a big impact in all aspects of the world. One of them is financial technology (fintech). Fintech e-wallet allows us to make payments using only mobile phones. Indonesia is one of the fastest digitizing countries that has started to take advantage of this new technology. However, the penetration rate still tends to be low. Fintech in Indonesia is still growing and competing with several fintechs that continue to emerge. The purpose of this study was to determine the factors that influence the acceptance or use of e-wallet. Methods of data collection using a questionnaire distributed to 200 respondents who have made payments using e-wallet and are domiciled in Jakarta. The analytical method used is structural equation modeling (SEM). The results showed that perceived usefulness and perceived ease of use had a positive and significant impact on attitudes toward using, and perceived usefulness and attitudes toward using had a positive and significant impact on behavioral intention to use.
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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 (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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Nelyumna, Nelyumna, Amelia Oktrivina, and Adindafi Kartika Salwa. "Pengaruh penggunaan fintech (e-wallet) terhadap minat masyarakat dalam pembayaran online akibat pemberlakuan pembatasan kegiatan masyarakat." AKURASI: Jurnal Riset Akuntansi dan Keuangan 4, no. 2 (2022): 95–102. https://doi.org/10.36407/akurasi.v4i2.580.
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The increasingly large spread of the Covid-19 virus has made the government issue a regulation to limit people's activities outside the home, affecting people to use online services. Financial Technology (FinTech) is a financial service solution that utilizes digital technology in its operation, and Financial Technology can help people buy necessities without having to meet with sellers. The purpose of this study was to determine (1) the effect of perceived benefits on interest in using FinTech (e-wallet), (2) the effect of perceived convenience on interest in using FinTech (e-wallet), and (3) the effect of perceived risk on interest in using FinTech (e-wallet). The population in this study is the Jabodetabek community. The research method used is quantitative. The data used are primary data using a questionnaire filled out by respondents with a sample of 100 people. The analysis technique used in this research is using a multiple linear regression test. The results of this study indicate that: (1) There is a positive and significant effect of perceived benefits on interest in using FinTech (e-wallet), and (2) There is a positive and significant effect of perceived ease of use on interest in using FinTech (e-wallet), (3) There is a negative and insignificant effect of perceived risk on interest in using FinTech (e-wallet).
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Wiji Prayitno, Seno, and Taufik Hidayat. "Interest Analysis of Computer Engineering Students of Universitas Wiralodra in The Use of Electronic Wallets." Perwira Journal of Science & Engineering 2, no. 2 (2022): 43–49. http://dx.doi.org/10.54199/pjse.v2i2.138.
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ABSTRACT Now technology is developing very rapidly. One of the fields that follow technological developments is in the financial sector. Financial technology (fintech) is an update in the financial sector that is centered on today's technology. One of the fintechs currently in development is a digital wallet (e-wallet). E-wallet is an application that stores nominal e-money and transactions can be carried out via mobile media by connecting the network to the internet. E-money is an electronic payment medium by first handing over a certain amount of money to the publisher, either directly or through the publisher's agents. For payment transactions by reducing the value of money on the e-money media. The study was conducted to analyze the interest of Computer Engineering students at Wiralodra University in using digital wallets as a modern technology. By distributing questionnaires to Computer Engineering students at Wiralodra University. The results of the media questionnaire were processed using multiple linear regression calculations. The results obtained from this study are students' interest in e-wallet with perceptions of convenience, efficiency and security.
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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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Munda, Frederik, Seri Suriani, and Miah Said. "NILAI GUNA DAN MANFAAT PENGGUNAAN FINTECH E-WALLET DANA." Indonesian Journal of Business and Management 5, no. 2 (2023): 178–84. http://dx.doi.org/10.35965/jbm.v5i2.1917.
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Penelitian ini bertujuan untuk menganalisis secara empiris nilai guna bagi pengguna fintech e–wallet DANA dan untuk menganalisis secara empiris nilai manfaat bagi pengguna fintech e-wallet DANA. Metode penelitian ini adalah deskriptif kualitatif. Pengumpulan data peneliti peroleh melalui observasi, wawancara, dokumentasi dan kepustakaan. Hasil dari penelitian ini diketahui nilai guna dan manfaat yang didapatkan oleh para informan sebagai pengguna dompet digital DANA yaitu (1) Kemudahan Bertransaksi, (2) Banyak diterima di merchant-merchant, (3) Keamanan dan (4) Promo potongan Harga. This study aims to (1) find out and analyze empirically the use value for DANA e-wallet fintech users, (2) To find out and empirically analyze the value of benefits for DANA e-wallet fintech users. This research method is descriptive qualitative. Collecting data researchers obtained through observation, interviews, documentation and literature. The results of this study indicate the use values and benefits obtained by informants as users of the DANA digital wallet, namely (1) Ease of Transactions, (2) Widely accepted at merchants, (3) Security and (4) Discount promos.
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Tafrikan, Mohamad, Ariska Kurnia Rachmawati, Atika Dewi Ardiyanti, Rindi Saputri, and Sholifatun Umayah. "Penentuan E-Wallet Terbaik dengan Metode Simple Additive Weighting (SAW) dan Technique for Order Preference by Similarity to Ideal Solution (TOPSIS)." Jurnal Informatika dan Rekayasa Perangkat Lunak 5, no. 1 (2023): 54. http://dx.doi.org/10.36499/jinrpl.v5i1.7718.
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Currently, many purchases of goods can be found electronically or known as e-wallets. E-wallet is a form of Fintech (Finance Technology) that utilizes internet media and is used as an alternative payment method. Several other types of e-wallets: Dana, Shopeepay, Gopay, Ovo, Sakuku. This study discusses the best recommendations among types of E-wallet using the Simple Additive Weighting (SAW) method and the Technique for Order Preference by Similarity to Ideal Solution (TOPSIS). Both of these methods are able to make more accurate assessments and predetermined preference weights. Based on calculations using the SAW and TOPSIS methods, the first best e-wallet ranking is DANA, the second is Shopeepay, and the third is Gopay.
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Rumyati Zeinab and Ruski. "The Role of Fintech E-Wallet and Self-Control on Generation Z's Consumptive Behavior in Bangkalan: Efforts to Educate and Literacy in Digital Finance." Journal of Practice Learning and Educational Development 5, no. 2 (2025): 506–13. https://doi.org/10.58737/jpled.v5i2.472.
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This research is motivated by the increasing use of Fintech E-Wallets among Generation Z university students, which facilitates financial transactions but also has the potential to encourage consumptive behavior, especially when not accompanied by adequate self-control. The purpose of this study is to analyze the influence of Fintech E-Wallet and Self-Control on the consumptive behavior of students in Bangkalan Regency. The method used is a descriptive quantitative approach with survey techniques. Data were collected through questionnaires distributed to 60 students from three universities, selected using purposive sampling. The data were analyzed using multiple linear regression. The results showed that Fintech E-Wallet has a positive and significant influence on consumptive behavior (significance value = 0.001), while Self-Control has a negative and significant influence on consumptive behavior (significance value = 0.003). Simultaneously, both variables significantly affect consumptive behavior (significance value = 0.000). The conclusion of this study is that the ease of digital access through e-wallets can increase the consumptive tendencies of students, but this can be mitigated through strong self-control, indicating the importance of awareness in managing finances wisely.
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Melania, Erika, Dwi Mustika Kusumawardani, and Dwi Januarita Kusuma. "Analisis Minat Dan Perilakumasyarakat Dalam Penggunaan E-Wallet Xyz Dengan UTAUT2." JURIKOM (Jurnal Riset Komputer) 9, no. 4 (2022): 1136. http://dx.doi.org/10.30865/jurikom.v9i4.4701.
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Current technological developments affect all activities that were initially carried out manually, now can be done instantly such as a non-cash financial payment system, namely fintech. Fintech is defined as an industry consisting of companies that use technology, to make financial system services more efficient. One of the uses of fintech is e-wallet. E-wallet is an electronic service for digital payments and many other types of transactions. One of the e-wallet in Indonesia is Xyz. According to the MobileBoku report, the Indonesian market has five main players with the highest transaction growth sequence in 2020. Xyz is at the lowest position compared to other e-wallets. This shows the low number of users to use Xyz. This study focuses on the factors that influence the interest and behavior of the Indonesian people in the use of the Xyz e-wallet with the Unified Theory of Acceptance and Use of Technology2 (UTAUT2) model. The UTAUT2 model is the result of further development of the UTAUT model. Based on the above background, the research was conducted using the UTAUT2 model to analyze the factors that influence the interest and behavior of the Indonesian people in using Xyz. The purpose of this study was to determine the factors that influence interest in the use of Xyz as a sustainable development effort for the agency. The testing technique used is SEM-PLS. In accordance with the existing tests, it is known the factors that influence the use of the Xyz e-wallet application, such as facilitating conditions, hedonic motivation, and habits
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Aura Aulia, Citra Savitri, and Syifa Pramudita Faddila. "The Impact of E-Service and E-Trust on E-Loyalty with E-Satisfaction as a Mediating Variable." International Journal of Economics and Management Research 4, no. 2 (2025): 08–27. https://doi.org/10.55606/ijemr.v4i2.348.
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Current technological developments require all sectors to continue to innovate, one of which is the financial sector, named financial technology (fintech). DANA is one of the digital wallet programs (e-wallets) that fintech introduces as a payment method or non-cash transaction method. Using e-satisfaction as a moderating variable, this study attempts to ascertain and investigate the effects of e-service and e-trust on the e-loyalty of DANA e-wallet users in Generation Z in Karawang Regency. This study employed a quantitative technique with a descriptive verification method. Both primary (questionnaires) and secondary (books, theories, and scientific literature) data are used. The study's participants were Karawang e-wallet users who had used the DANA app to complete transactions. 135 persons made up the study's sample. The sample strategy combined a purposive sampling approach with non-probability sampling. Research data is analyzed using the SEM-PLS method. In addition to a positive but insignificant effect on e-service to e-loyalty, the study's findings indicate that e-service to e-satisfaction and e-trust to e-satisfaction have a positive and significant effect on e-service to e-loyalty, e-satisfaction to e-loyalty, e-service to e-loyalty through e-satisfaction, and e-trust to e-loyalty through e-satisfaction.
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Damayanti, Retno, and Nurhidayah Nurhidayah. "LITERASI FINTECH, KEPERCAYAAN KONSUMEN DAN NIAT MENGGUNAKAN E-WALLET." Jurnal Manajemen dan Profesional 3, no. 2 (2022): 136–42. http://dx.doi.org/10.32815/jpro.v3i2.1444.
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This study aims to examine the role of FinTech literacy and trust on the intention of using e-wallet. The sample is 84 respondents who use at least 3 times a month one of the e-wallet applications. The 5-point Likert scale was used to determine respondents' responses to the question items contained in the questionnaire. The collected data was then analyzed using the SPSS program. The results show that FinTech literacy is not a factor that is considered by Generation Z to use e-wallet applications. However, trust in e-wallet is a factor that can increase the interest of Generation Z to continue using e-wallet applications. Next, this paper will be able to contribute to the development of behavioral financial science.
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Tayibnapis, Radita Gora. "The Effect of Diffusion of Fintech Information through Social Media on Changes in Payment Transaction Patterns among Young People in Jakarta." International Journal of Multicultural and Multireligious Understanding 7, no. 9 (2020): 81. http://dx.doi.org/10.18415/ijmmu.v7i9.1924.
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The presence of E-Wallet in various industrial sectors, both private and government, is a new breakthrough in fintech (financial technology) innovation that allows people to make transaction in buying and selling goods and services more easily. This new technology provides a more transparent electronic payment system. However, until now there are still so many people who have not adopted and used E-Wallet due to their lack of knowledge of this new financial technology. The approach to diffusion of innovation theory is carried out to see the effect of the use E-Wallet fintech on changes in the sale and purchase transaction patterns. The results show that the diffusion of fintech promotional messages through social media and the adaptation to the use of E-Wallet have an effect on changes in buying and selling transaction patterns among young people in Jakarta.
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Rosli, Mohd Shafie, Nor Shela Saleh, Azlah Md. Ali, and Suaibah Abu Bakar. "Factors Determining the Acceptance of E-Wallet among Gen Z from the Lens of the Extended Technology Acceptance Model." Sustainability 15, no. 7 (2023): 5752. http://dx.doi.org/10.3390/su15075752.
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E-wallets are one of the breakthroughs brought forth by the evolution of FinTech, which has been accentuated by the global outbreak of COVID-19. Therefore, it is critical to comprehend the factor of e-wallet acceptance. As this technology advances, substantial knowledge and research gaps become apparent. Previous studies on e-wallet acceptance have overlooked the importance of motivation and self-efficacy. There is a dearth of focus on certain age groups, such as Gen Z, which is currently the trendsetter of new technologies. This study aims to close the gaps regarding the lack of focus toward Gen Z, motivation, and self-efficacy in understanding e-wallet acceptance by combining the Technology Acceptance Model (TAM) with Self-Determination Theory (SDT), Self-Efficacy (SE), and Digital Media Self-Efficacy (DMSE) to fully understand the factors influencing e-wallet acceptance among Gen Z, using 233 samples to test 16 hypotheses derived from the identified research and knowledge gaps. External Regulation (ER), SE, and DMSE are the determinants of acceptance, according to Structural Equation Model analysis conducted. Mediation analysis reveals that Attitude toward Use (AT) is the full mediator of Perceived Usefulness (PU) and Perceived Ease of Use (PEU). The quintessential outcome of this research is the Model of E-Wallet Acceptance among Gen Z, which is significant for FinTech industries looking to strategically roll out e-wallet initiatives as well as a point of exploration for numerous future academic research and development.
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Tiara, Khairunisa Dwi Fortuna, and Sutrisno. "The Influence of Perception, Trust, And Security on Fintech E-Wallet Services: The Case of The Z Generation in Yogyakarta." INTERNATIONAL JOURNAL OF MULTIDISCIPLINARY RESEARCH AND ANALYSIS 07, no. 03 (2024): 1132–44. https://doi.org/10.5281/zenodo.10829669.
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This research aims to examine the influence of perceived ease of use, perceived benefits, perceived risk, trust and security variables on the likelihood of using fintech e-wallet services. The population in this research is the Z generation residing in Sleman Regency, Indonesia. The data source used in this research is primary data using a quantitative approach. Sampling in this study used a purposive sampling technique, the number of samples used was 100 Z generation in Sleman Regency who used the Shopeepay e-wallet fintech service for transactions. In this research, the data was processed/tested using the IBM SPSS statistics 23 program. The results of the research show that partially the variables perceived ease of use and perceived benefits have a positive and significant effect on interest in using ShopeePay fintech e-wallet services among the Z generation in Sleman Regency, while the variables Perceptions of risk, trust and security do not have a significant influence on interest in using the fintech e-wallet service ShopeePay among the Z generation in Sleman Regency.
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Gayuh Rizki Utomo, Endang Asliana, and Lihan Rini Puspo Wijaya. "Impact Of Digital Technostress On Interest In Using Fintech E-Wallets Among Generation Z Consumers In Lampung Province." Kajian Ekonomi dan Akuntansi Terapan 1, no. 3 (2024): 161–71. http://dx.doi.org/10.61132/keat.v1i3.366.
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This research aims to find out how digital technostress influences interest in using fintech e-wallets among millennial generation consumers in Lampung Province. The population in this research is generation Z consumers in Lampung Province. The sampling technique was carried out using purposive sampling. Data collection in this study was carried out by distributing questionnaires to 100 respondents. The method used in this research is quantitative research and uses primary data. In this research there are four independent variables, namely complexity, overload, invasion, and uncertainty, while the dependent variable used is intention. This study uses multiple linear regression analysis tools with the help of the SPSS version 23 program. The results of the research show that complexity and overload have a positive and significant effect on interest in using fintech e-wallets among generation Z consumers in Lampung Province, whereas invasion and uncertainty have no effect on interest in using fintech e-wallets. Fintech e-wallet for generation Z consumers in Lampung Province.
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Lestara Permana, Gusi Putu, Hesty Pahlevy Setyo Rini, and I. Gusti Ngurah Darma Paramartha. "Fintech Dari Perspektif Perilaku User Dalam Penggunaan E-Wallet Dengan Menggunakan Technology Acceptance Model (TAM)." Widya Akuntansi dan Keuangan 3, no. 1 (2021): 50–70. http://dx.doi.org/10.32795/widyaakuntansi.v3i1.1205.
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This study based on by interest researchers related to the development in the transaction-based fintech is an e-wallet which is the number of users of e-wallets that has increased very rapidly nowadays. The number of e-wallet uses is increasing, so the usefulness, ease of use, risk, and also the enjoyment felt by each user also varies. The purpose of this study was to determine the effect of perceived usefulness, ease of use, risk, and enjoyment of behavioral intentions in e-wallet users in Denpasar. Used data in this study is the primary data, the researchers gain from the results of the spread of the questionnaire to the respondents in Denpasar. Sampling from this study using purposive sampling. The criteria used are active users of the e-wallet application and never transact at least once using an e-wallet application. This research using 75 respondents and using an analysis of multiple regressing use SPSS software version of 25. The results of the research show that the perceived usefulness, risk, and enjoyment influential positive towards the behavior of the user, while the perceived ease of use of a negative effect on the behavior of the user.
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Al-Qubati, Sana Abdulbaqi, and Nagi Ali Al-Shaibany. "E-Wallet Security Readiness: A Survey." International Journal of Computer Science and Mobile Computing 13, no. 3 (2024): 20–26. http://dx.doi.org/10.47760/ijcsmc.2024.v13i03.003.
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The repercussions of the 2008 financial crisis, growing regulation, and the digital revolution are just a few of the reasons that have caused major changes in the banking and financial sectors in recent years. The fintech phenomenon has emerged as a result of this change, completely altering the way financial services are provided and used. The development of E-wallet security is a key component of this change. The goal of this thorough review is to investigate how E-wallet security has developed, looking at the difficulties, innovations, and potential directions in online transaction security. The article gives a general review of fintech, e-wallets, and electronic payment systems while highlighting the significance of security precautions in safeguarding private financial data. The survey also identifies the risks—such as device, network, platform, and service risks—that come with digital payments. In order to guarantee the security of digital payment systems, it also covers the importance of strong security measures, encryption, data protection, and user awareness. Recommendations for strengthening online payment security and guarding against unwanted access to personal accounts are included in the survey's conclusion.
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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 (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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Nugraheni, Agusta Ika Prihanti, Neni Pancawati, and Nova Perwira Yuda. "Hambatan Generasi Baby Boomers dalam Mengadopsi Dompet Digital di Indonesia." Jurnal Ilmiah Universitas Batanghari Jambi 22, no. 1 (2022): 417. http://dx.doi.org/10.33087/jiubj.v22i1.1162.
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Currently, fintech has become an important part of the lifestyle and financial situation in the world because it helps develop new startups and can even improve people's living standards. An example of fintech innovation is electronic money or e-money which consists of two types, namely e-money which is chip based and also server based. Currently, most of the fintech users are the millennial’s generation. Meanwhile, the baby boomer’s generation has challenges in using technology so that it is considered a less potential market. The baby boomer’s generation is considered a conservative generation in adopting new technology or products with new technology. On the other hand, the government and Bank Indonesia are working to encourage non-cash transactions, which are better known as the Gerakan Nasional Non Tunai (GNNT). This study aims to explore the factors that hinder the baby boomer’s generation from adopting digital wallets in Indonesia. The research model is qualitative research. Data collection was carried out by interviews based on Innovation Resistance Theory. The results show form the informan who already used digital wallet and who haven't used stated that the biggest barrier in using digital wallet are risk and usage barrier. Hopefully the results can be used to comprehend more about the obstacles faced by the baby boomer’s generation in utilizing digital wallets, so that companies or marketers who can use them in developing digital wallet marketing strategies and developing their services and also to support GNNT program.
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Bakri, Mohammed Hariri, Khalifa Khalfan Salem Muftah Almansoori, and Nur Syazni Mohd Azlan. "Determinants intention usage of Islamic E-Wallet Among Millennials." GLOBAL BUSINESS FINANCE REVIEW 28, no. 1 (2023): 11–32. http://dx.doi.org/10.17549/gbfr.2023.28.1.11.
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Purpose: The main purpose of this study is to investigate the behavioural intention of the millennials in Malaysia toward the acceptance of Islamic e-wallet usage using Unified Theory of Acceptance and Use of Technology(UTAUT) via Structural Equation Model.
 Design/methodology/approach: The data have been collected by the 384 millennials in Malaysia. A person has aged between 25 until 40 years old is considered the millennials group The method that used in this paper is the Unified theory of acceptance and use of technology (UTAUT). There will be five independent variables: performance expectancy, effort expectancy, social influence, facilitating condition, and Shariah-compliant. Shariah-compliant variables have been added to the study because the study investigates the Islamic e-wallet where it is needed the Shariah-compliant elements. Before the data is analysed into measurement, preliminary analysis such as Exploratory Factor Analysis (EFA) is conducted as well.
 Findings: The result showed that the performance expectancy (PE), effort expectancy (EE), social influence (SI) and Shariah complaint (SC) significantly affect the Islamic e-wallet acceptance among the millennials. In addition, the Shariah complaint has a strong effect on Islamic e-wallet acceptance. In contrast, facilitating condition (FC) showed no effect on Islamic e-wallet acceptance. In this study, all the requirements for model fit were achieved. The four exogenous constructs are performance expectancy (PE), effort expectancy (EE), social influence (SI) and facilitating condition (FC). The mediating construct is behavioural intention (BI) and the endogenous is user adoption (UA). All exogenous constructs show significant p-value except for effort expectancy (EE).
 Research limitation/implications: This paper offers important implications specifically for the digital economy as it is currently making its way throughout every aspect in the human life, be it social, religion, financial transaction, entertainment and many more. The impact of digital economy can be traced through the emergence of Fintech. One of the least academically discussed areas is the adoption of Islamic Fintech. This study is considered necessary to explore the prediction of consumer behaviour in Islamic Fintech intention, as part of digital economy.
 Originality/value: The paper fills the gap perceived within the existing literature of finance technology by showing Islamic financial technology (E-Wallet) intention via model measurement.
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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 (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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Mohammad Firdaus Samsuddin and Rafisah Mat Radzi. "CHALLENGES OF ISLAMIC E-WALLET IN CATALYZING THE GROWTH OF MALAYSIA’S DIGITAL ECONOMY." International Journal of Islamic Economics and Finance Research 7, no. 1 July (2024): 1–12. https://doi.org/10.53840/ijiefer138.
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Financial technology has the potential to empower ordinary individuals while also contributing to the growth of national economies by enabling secure and efficient access to financial products. The advancements in e-wallet technology have simplified online payments and transactions, since it is a financial transaction application that can function on any device connected to the internet. The main issue is that, in spite of the vital role that digital payments and e-wallets play in propelling the country's digital economy, Shariah-compliant e-wallets are not widely available in Malaysia's fintech ecosystem. By utilizing library search, this paper aims to analyses how the advancement in financial technology especially e-wallet will drive the growth of Malaysia’s digital economy. In the context of Islamic finance, this study found that Islamic e-wallet adhere to Islamic principles and values, however, it faces several challenges in catalysing the growth of Malaysia’s digital economy. This study adds to our understanding of the difficulties faced by Islamic e-wallets in spurring the development of the digital economy.
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Sriyono, Sriyono, Muhammad Syahrul Afandi, Arynda Pramudya Wulandari, and Rina Agusti. "EFEKTIFITAS PENGGUNAAN FINTECH (E-WALLET) TERHADAP KEPUTUSAN PEMBELIAN DIKALANGAN GENERASI MILENIAL." JEMMA (Journal of Economic, Management and Accounting) 6, no. 2 (2023): 153. http://dx.doi.org/10.35914/jemma.v6i2.2054.
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Tujuan penelitian ini adalah untuk mengetahui seberapa efektif penggunaan E-Wallet dalam menentukan keputusan pembelian bagi generasi milenial. Hal ini berdampak pada terbentuknya kebiasaan baru dalam melakukan transaksi, yaitu dari tunai menjadi non tunai. Teknik pengumpulan data dalam penelitian ini menggunakan analisis data sekunder yang diperoleh dari aplikasi penyedia jasa E-Wallet, seperti ovo dan gopay, serta menggunakan studi kepustakaan dari jurnal-jurnal yang relevan dengan masalah yang dibahas. Teknik analisis data yang digunakan adalah teknik analisis deskriptif, yaitu mengambil simpulan dari pernyataan atau fakta-fakta khusus menjadi persoalan yang spesifik dan dibuat simpulan umum sesuai dengan teori-teori yang tersedia. Hasil dari penelitian ini menunjukkan bahwa terdapat tiga alasan mendasar yang menjadikan penggunaan E-Wallet cukup efektif dalam proses menentukan keputusan pembelian di kalangan milenial, yaitu adanya penawaran promo dan fitur menarik, kenyamanan, dan kemudahan penggunaan E-Wallet itu sendiriKata kunci: Pembelian, Efektivitas, E-Wallet, Milenial
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Fatin Fadhiyah Muhaimin Putri, Alya, Asif Faroqi, and Virdha Rahma Aulia. "EVALUASI FAKTOR-FAKTOR YANG MEMENGARUHI PENERIMAAN E-WALLET PADA MASYARAKAT KOTA SURABAYA: IMPLEMENTASI MODEL UTAUT2 DAN VARIABEL TRUST." JATI (Jurnal Mahasiswa Teknik Informatika) 9, no. 2 (2025): 2143–50. https://doi.org/10.36040/jati.v9i2.13015.
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Financial technology, atau biasa dikenal dengan fintech, merupakan penggabungan antara layanan keuangan dan teknologi. Salah satu bentuk pemanfaatan fintech yang semakin populer adalah dompet elektronik atau e-wallet. E-wallet merupakan platform keuangan berbasis digital yang membantu pengguna untuk menyimpan sejumlah uang serta melakukan berbagai jenis pembayaran, hanya dengan menggunakan telepon seluler. Popularitas e-wallet yang terus meningkat telah memunculkan berbagai pilihan jenis e-wallet, sehingga hal ini menciptakan perbedaan dalam peringkat dan tingkat adopsi setiap platform di kalangan pengguna, sekaligus mendorong tingkat persaingan yang semakin ketat di antara para penyedia layanan e-wallet. Tujuan dilakukannya penelitian ini adalah untuk mengukur tingkat adopsi dan penggunaan e-wallet di Kota Surabaya dengan menggunakan model UTAUT2 yang telah dimodifikasi dengan menambahkan variabel kepercayaan (trust). Proses analisis dilakukan dengan metode SEM-PLS dengan melibatkan 738 responden. Hasil dari penelitian menunjukkan bahwa dari sebelas hipotesis yang diajukan, tiga hipotesis dinyatakan tidak signifikan dan ditolak, sedangkan delapan hipotesis lainnya dinyatakan signifikan dan diterima. Adapun faktor-faktor yang terbukti berpengaruh dalam menentukan niat pengguna dalam menggunakan e-wallet meliputi social influence, hedonic motivation, price value, habit, dan trust. Hasil ini diperoleh berdasarkan hasil pada pengujian path coefficient, di mana hipotesis dianggap signifikan dan diterima jika nilai p-value < 0.05 dan nilai t-statistic ≥ 1.96.
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Natasha, Natasha, Filani Zikri Hassan, and Rini Syarif. "Analisis Faktor-Faktor Yang Mempengaruhi Minat Transaksi Pada Penggunaan Teknologi E-Wallet." Jurnal Informatika Kesatuan 2, no. 2 (2022): 219–28. http://dx.doi.org/10.37641/jikes.v2i2.1461.
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This study aims to analyze the factors that influence the interest of transactions on the use of e-wallet. In this study, the independent variable (X) is the perception of benefits, quality, ease of use, and trust and the dependent variable (Y) is the attitude of use. The population taken in this study are active and passive users of the Fintech OVO application. The sampling method taken is non probability sampling with the results of 100 respondents used as samples. While the object of this research is OVO users who have used the OVO electronic wallet several times. The source of the data obtained in this study were the responses of respondents obtained from the results of the questionnaire about the effect of perceived benefits, quality, ease of use, and the confidence distributed to the sample. Scoring by agree-disagree scale technique by developing statements that produce answers to agree-disagree in various ranges of values. The order of scale consists of the numbers 1 (Strongly Disagree) to 5 (Strongly Agree) for all variables. The results of this study indicate that the variables that influence the interests of E-Wallet OVO transactions are the benefits of E-Wallet OVO, the quality of E-Wallet OVO, ease of use of E-Wallet OVO and trust in E-Wallet OVO.
 
 Keywords: E-Wallet, transaction interest, fintech, OVO
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Perez, Ryan Clifford L. "Perception of e-wallets as the mode of payment for online enrollment in Marinduque State College." HO CHI MINH CITY OPEN UNIVERSITY JOURNAL OF SCIENCE - ECONOMICS AND BUSINESS ADMINISTRATION 13, no. 2 (2022): 3–18. http://dx.doi.org/10.46223/hcmcoujs.econ.en.13.2.2272.2023.
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The advancement of finance and technology in what is commonly referred to as Fintech has introduced an opportunity for many business models in the new normal which provides ease of conducting money-related transactions amongst consumers, retailers, suppliers, and society as a whole. One of the most commonly used FinTech is the electronic wallets (e-wallets); a cashless electronic payment system. E-wallets provide the user the services and access to accomplish financial transactions and digital payments quickly that only require the application of smartphones and Internet connectivity. However, there are many perceptions about the application of e-wallets, particularly in e-money-related transactions such as in school enrolment, and would still prefer the use of money in physical form. Therefore, this paper aims to analyze the perceptions among the students from Marinduque State College that contributes to the use of e-wallet as the mode of payment for school enrolment and transactions through the Technology Acceptance Model (TAM) using Perceived Ease of Use (PEU), Perceived Usefulness (PU) Perceived Convenience (PC), Willingness (W) and Behavioral Intention (BI) as the main variables. To reach the objective, a sample size of at least 267 respondents was identified. The questionnaires were sent to 600 students to accommodate possible non-response which are students from the Institute of Information Systems and Technology (IIST) Marinduque State College, and a quantitative approach was applied to examine and test the hypothesis. The study finding shows that Perceived Usefulness (PU) and Willingness (W) have a positive significant effect on the Behavioral Intention (BI) to use an e-wallet as the mode of payment. In contrast, Perceived Convenience (PC) and Perceived Ease of Use (PEU) have no positive significant effect on the Behavioral Intention (BI) to use an e-wallet.
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Muhammad Affan Widyarif and Ria Haryatiningsing. "Faktor-Faktor yang Menentukan Minat Menggunakan E-wallet sebagai Alat Pembayaran bagi Mahasiswa di Kota Bandung." Bandung Conference Series: Economics Studies 4, no. 3 (2024): 840–47. http://dx.doi.org/10.29313/bcses.v4i3.14703.
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Abstract. In the current era of globalization, technological advancements have impacted people's lives in various aspects, including economy, society, and culture. Over time, technological advancements have made life easier, more comfortable, and more efficient. The development of technology has transformed the economy, especially in terms of using E-wallets for payments. Up to now, the most popular type of FinTech service is digital wallets and E-wallets. This study aims to analyze whether the factors of trust, convenience, security, and risk can determine students' interest in choosing E-wallets as a payment tool. The method used in this research is a descriptive quantitative method. The respondents were determined to be 100 people from 4 top universities with the highest number of students in Bandung City. The data collection technique was carried out by distributing questionnaires in the form of surveys using a Likert scale. Data processing in this study will be conducted using the Statistical Program for Social Science (SPSS) program. This research concluded that trust, convenience, security and risk are the factors that determine interest in using e-wallets as a means of payment for students in the city of Bandung. The most dominant factor in determining interest in using E-wallet as a means of payment for students in Bandung City is the convenience factor. Abstrak. Di era globalisasi saat ini, kemajuan teknologi telah memengaruhi kehidupan masyarakat dalam berbagai aspek, termasuk ekonomi, sosial, dan budaya. Seiring berjalannya waktu, kemajuan teknologi telah membuat hidup menjadi lebih mudah, nyaman, dan efisien. Perkembangan teknologi telah mengubah ekonomi, terutama dalam hal menggunakan E-wallet untuk pembayaran. Hingga saat ini, jenis layanan FinTech yang paling populer adalah dompet digital dan E-wallet. Penelitian ini bertujuan untuk menganalisis apakah faktor kepercayaan, kemudahan, keamanan, dan risiko dapat menentukan minat mahasiswa untuk memilih E-wallet sebagai alat pembayaran. Metode yang digunakan pada penelitian ini adalah metode deskriptif kuantitatif. Responden yang ditentukan berjumlah 100 orang dari 4 universitas unggulan dan yang memiliki jumlah mahasiswa terbanyak di Kota Bandung. Teknik pengumpulan data dilakukan peneliti dengan cara penyebaran kuesioner berupa angket dengan skala pengukuran yang dilakukan menggunakan skala likert. Pengolahan data dalam penelitian ini akan dilakukan dengan penggunakan program Statistical Program for Social Science (SPSS). Penelitian ini menghasilkan kesimpulan bahwa faktor kepercayaan, kemudahan, keamanan, dan risiko menjadi faktor-faktor yang menentukan minat menggunakan E-wallet sebagai alat pembayaran bagi mahasiswa di Kota Bandung. Faktor yang paling dominan dalam menentukan minat menggunakan E-wallet sebagai alat pembayaran bagi mahasiswa di Kota Bandung adalah faktor kemudahan.
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Dhiya Ul Hikmah and R. Yuniardi Rusdianto. "Implementasi Design Thinking Dalam Product Management Untuk Menciptakan Layanan Fintech “Paymily”." Journal of Management and Social Sciences 3, no. 1 (2024): 97–106. http://dx.doi.org/10.55606/jimas.v3i1.983.
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Fintech, or financial technology, is one of Indonesia's sectors with the quickest rate of growth.. This growth is driven by the increasing demand for people for fast, easy, and affordable financial services. One of the most popular fintech products is the e-wallet. In creating a successful e-wallet product, It's critical to comprehend user requirements and preferences. Design thinking is a user-centered approach to product development. This method can help product management teams to understand user needs, define the problem they want to solve, and generate innovative and user-centered solutions.
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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 (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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Nadia Nur Lailatul Rifqiah and Wahyu Eko Pujianto. "Pemanfaatan Fintech Pada UMKM Sidoarjo." Dewantara : Jurnal Pendidikan Sosial Humaniora 2, no. 3 (2023): 52–70. http://dx.doi.org/10.30640/dewantara.v2i3.1307.
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The purpose of this study is to find out how Fintech or Financial Technology can be used in digital applications Grab, Gojek, ShopeePay, Dana, Qris or GoPay in businesses or companies that use the latest technology services, facilitating the smooth operation of MSME and UKM companies in Sidoarjo. This research was conducted on Geprek SMEs using a qualitative data collection method with a descriptive approach, the purpose of which was to find out how business processes work with the help of an electronic payment system (Digital Wallet). The results of this study can be interpreted in such a way that the use of fintech e-wallets has a very positive and good effect and is very easy for users to understand.
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Hermawan, Vania Katherine, and Eristia Lidia Paramita. "Trust dan Perceived Usefulness dan Pengaruhnya Terhadap Preferensi Konsumen Dalam Menggunakan E-wallet." Jurnal Ekobis : Ekonomi Bisnis & Manajemen 10, no. 2 (2020): 223–36. http://dx.doi.org/10.37932/j.e.v10i2.131.
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The bloom of banking and fintech companies in Indonesia is marked by the rapid growth of e-wallet users in recent years. The bloom is encouraged by the government by establishing the Gerakan Nasional Non Tunai program to promote cashless society among millennials who are already familiar with cashless lifestyle. There are many factors which attract people to use e-wallet, such as trust, usefulness, and promotion. This research aims to examine the effect of trust and perceived usefulness moderated by the promotion variable on consumers’ preference towards two e-wallet brands—OVO and GoPay. This quantitative research is conducted using Likert scale. The Analysis of Variance (ANOVA) method is used to examine whether each variable has different effect in shaping consumers’ preference. The samples used in this research are active users of OVO and GoPay who are currently living in Semarang. The ANOVA results show that trust, usefulness, and promotion does not have different effect in shaping consumers’ preference. However, they do attract consumers to use e-wallet. This research might be useful to help develop better quality of e-wallet service, security, and utility and build a perfect marketing strategy for banking and fintech companies.
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Kumbara, Vicky Brama, Nandan Limakrisna, Yulasmi, Lusiana, and Muhammad Ridwan. "The Influence of E-Trust and E- Service Quality on E-Customer Loyalty for Dana Digital Wallet Users Through E-Satisfaction as an Intervening Variable in Padang City." International Journal of Professional Business Review 8, no. 8 (2023): e03545. http://dx.doi.org/10.26668/businessreview/2023.v8i8.3545.
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Purpose: This study aims to determine the effect of Financial Technology, on DANA e-wallet users in the city of Padang.
 
 Theoretical framework: Competition in Financial Technology (fintech) is known as a financial inclusion tool that is currently growing very fast. The development of fintech must certainly be of particular concern because it will be in direct contact with the economic activities of the people. in other words, strict supervision must be carried out in this industry related to the regulations that control it, must be comprehensive, clear and transparent. So the development of fintech can provide maximum benefits to the people. (Saragih, 2019).
 
 Design/Methodology/Approach: The sample size in this study was adjusted to the Structural Equation Model (SEM). This means that a minimum of 100 samples must be included in the SEM study using Partial Least Square (PLS).
 
 Findings: The findings in this study prove that electronic trust and electronic service quality have a significant impact on elecronic customer loyalty through electronic satisfaction as an intervening variable on DANA digital wallet users in Padang city. This proves that satisfaction and customer loyalty will increase along with the improvement of trust and service quality offered in an e-wallet because the user's expectation before using an e wallet is satisfaction and will become loyal.
 
 Research, practical & social implications: The Implicative suggestion from this study is that the DANA e-wallet must prioritize user data security to increase trust and improve service quality for convenience in using the application.
 
 Originality/Value: Some poor reviews found in the play store application make this a gap in this study. So this research emphasizes the analysis of factors that are considered relevant to influence user decisions, specifically trust and service quality on user satisfaction and loyalty. DANA e-wallet users in Padang city are the subjects in this study using the Structural Equation Modeling (SEM) approach. The results of this study are expected to contribute to the development of marketing science.
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Moehadi, Moehadi, Hartiningsih Astuti, Moh Bayu Firmansah, and Anang Bayu Wicaksono. "CONSUMPTIVE BEHAVIOR WITH THE USE OF FINTECH E-WALLET." JURNAL DIMENSI 12, no. 3 (2023): 725–38. http://dx.doi.org/10.33373/dms.v12i3.5688.
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Fintech mempermudah aksesibilitas ke berbagai layanan keuangan dan produk, seperti pembayaran, investasi, dan pinjaman, yang dapat dilakukan secara cepat dan mudah melalui aplikasi atau platform digital. Ini memungkinkan konsumen untuk mengelola keuangan mereka dengan lebih efisien dan fleksibilitas. Tujuan penelitian ini dilakukan untuk mengetahui faktor-faktor yang mempengaruhi fintech. Teknologi mempunyai peran penting salah satunya adalah untuk mempermudah masyarakat dalam memanfaatkan sumberdaya yang dibutuhkan. Sedangkan salah satu sektor perekonomian adalah keuangan. Penelitian ini dilakukan dengan metode analisis kuantitatif deskriptif untuk mengetahui pengaruh persepsi kepercayaan, persepsi kegunaan dan persepsi kemudahan terhadap perilaku konsumtif. Hasil penelitian menunjukkan bahwa persepsi kepercayaan tidak mempunyai pengaruh terhadap perilaku konsumtif generasi muda melalui penggunaan aplikasi digital e-wallet. Persepsi kegunaan mempunyai pengaruh signifikan terhadap perilaku konsumtif generasi muda melalui penggunaan aplikasi digital e-wallet, artinya generasi muda yang semakin merasakan kegunaan aplikasi tersebut akan mendorong untuk berperilaku konsumtif. Persepsi kemudahan tidak mempunyai pengaruh terhadap perilaku konsumtif generasi muda melalui penggunaan aplikasi digital e-wallet.
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Kartawinata, Budi Rustandi, and Jasinda Salsabila Nugrahani. "Studi Minat Penggunaan Aplikasi Pembayaran Digital (OVO): Persepsi Kemudahan, Fitur Layanan dan Kepercayaan." JIIP - Jurnal Ilmiah Ilmu Pendidikan 6, no. 7 (2023): 5137–44. http://dx.doi.org/10.54371/jiip.v6i7.1922.
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Perkembangan financial technology mengalami berbagai revolusi hingga berada di titik yang membuat fintech berkembang hingga memiliki berbagai macam jenis dan klasifikasinya. Salah satu contoh klasifikasi yang termasuk dalam fintech yaitu e-wallet. E-wallet adalah jenis penyimpanan keuangan dalam bentuk digital yang kini lebih digemari dan digunakan oleh masyarakat dibandingkan dengan mobile banking. E-wallet mulai digunakan dan populer sejak adanya pandemi Covid-19 yang membuat e-wallet ini semakin dikenal dan berkembang. Salah satu brand e-wallet terbesar di Indonesia yaitu OVO. Penelitian ini dilakukan dengan tujuan untuk mengetahui Minat Penggunaan pada Aplikasi Pembayaran digital OVO dengan menggunakan variabel Persepsi Kemudahan, Fitur Layanan, dan Kepercayaan. Jenis metode penelitian kuantitatif yang digunakan yaitu jenis penelitian deskriptif kausal. Kemudian teknik sampling yang digunakan dalam penelitian ini adalah teknik nonprobability sampling dan sampling purposive dengan 400 responden. Sedangkan teknik analisis dan pengujian data yang akan digunakan yaitu analisis deskriptif, uji asumsi klasik, dan analisis regresi linear berganda. Hasil penelitian untuk analisis deskriptif yaitu variabel Persepsi Kemudahan sebesar 83,9%, Fitur Layanan sebesar 81,6%, Kepercayaan sebesar 83,5%, dan Minat Penggunaan sebesar 83,3%. Keempat variabel tersebut masing-masing termasuk dalam kategori baik. Kemudian untuk hasil penelitiannya menunjukkan bahwa variabel Persepsi Kemudahan, Fitur Layanan, Kepercayaan secara simultan dan parsial berpengaruh signifikan terhadap Minat Penggunaan Aplikasi Pembayaran Digital OVO.
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Sativa, Annisa Yasmin, and Wahyu Indah Sari. "Financial Technology Analysis on the Development of Micro Business in the Sei Sikambing B Market, Sub-District Medan Sunggal City of Medan." International Journal of Integrative Sciences 3, no. 10 (2024): 1107–18. http://dx.doi.org/10.55927/ijis.v3i10.11961.
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The aim of this study is to identify the influence of financial technology (Fintech) on the development of micro-enterprises in the Sei Sikambin B market, Medan Sunggal District, Medan City. MSMEs, which consist of micro and medium businesses, have a large share in economic activities. The study used a quantitative descriptive method through the use of linear regression analysis techniques.E-Wallet, Income, Financial Satisfaction, and Financial Technology (Fintech). The results of the study indicate that PEOU, Financial Satisfaction, Income, and Fintech have a significant influence on the development of micro-enterprises, while E-Wallet does not show a significant influence. This study underlines the importance of fintech in increasing efficiency and satisfaction in MSME transactions, as well as the need for supervision to optimize the benefits of financial technology for micro-entrepreneurs
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Warseno, Warseno. "Solusi Pembayaran Digital Non Tunai." ijacc 5, no. 1 (2024): 48–54. http://dx.doi.org/10.33050/ijacc.v5i1.3106.
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Perkembangan 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 pelajar dan mahasiswa menjadi target baru perusahaan dalam menawarkan fitur tersebut. Penelitian ini bertujuan untuk mengetahui seberapa efektif penggunaan fintech sebagai solusi pembayaran spp di Jabodetabek. 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 digunakan yaitu teknik analisis deskriptif yaitu mengambil simpulan dari pernyataan atau fakta-fakta khusus menjadi persoalan yang spesifik dan dibuat kesimpulan umum sesuai dengan teori-teori yang tersedia. Hasil dari penelitian ini terdapat dua alasan yang mendasar yaitu fitur menarik serta kenyamanan dan kemudahan penggunaan fintech itu sendiri yang menjadikan penggunaan fintech sebagai solusi pembayaran spp di Jabodetabek.
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Chellappan, Kalaivani, Tharsshinee Elanchselvan, and Asma Abu-Samah. "E-wallet Delivery Technology Architecture Adoption: A Review." Jurnal Kejuruteraan 37, no. 1 (2025): 219–32. https://doi.org/10.17576/jkukm-2025-37(1)-14.
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E-wallet is a fintech digital tool that allows to make cashless, quick, and easy transactions, and to review and analyze payment histories. Meanwhile, the expansion of digital wallet usage has contributed to a surge in overspending where users do not benefit from generated expenditure data to improve personal financial management. The objective of this study is to compare existing delivery technologies operational features to ensure the best suited delivery technology is adapted into the proposed adaptive money management embedded e-wallet design. A review was conducted to find relevant articles published between 2017 to 2021. The main inclusion criteria were English articles that discuss the applications of NFC, QR code, Digital (online)-only, and/or SMS. The search resulted in 159 articles but only 12 met all the inclusion criteria. The review highlights the advantages and disadvantages of using the three technologies in financial applications. This review suggests that QR payment is most popular, secure, fast, and cost-effective compared to NFC and SMS, as delivery technology best suited for the adaptive management embedded e-wallet that incorporated the four blocks of Fintech technologies namely, blockchain, AI, IoT and RPA. Overall, a QR code enabled e-wallet can expedite and automate the process of analyzing transactions, thus providing a solution to secure transactions and better money management.
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Rasya, Nadhifa Rima, Angga Aditiya Istijarno, Sarah Nabilah Yasmin, and Ina Ratnasari. "PENGARUH KEPUASAN KONSUMEN TERHADAP LOYALITAS PENGGUNA GOPAY DI JABODETABEK." Jurnal Riset Akuntansi dan Manajemen Malahayati (JRAMM) 12, no. 3 (2023): 179–86. http://dx.doi.org/10.33024/jur.jeram.v12i3.7045.
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ABSTRAKPerubahan teknologi di Indonesia begitu pesat. Lahirnya beraneka ragam layanan keuangan atau FinTech (Financial Technology) menjadi penanda. Salah satu FinTech yang ada di Indonesia adalah e-wallet GoPay. Dengan menilai kepuasan serta meningkatkan harapan konsumen maka memicu konsumen menjadi loyal. Pada tahun 2020 pelanggan GoPay tercatat sebagai pengguna teraktif hingga menempati peringkat pertama. Penelitian ini dilakukan untuk mengetahui apakah kepuasan konsumen berpengaruh terhadap loyalitas pengguna gopay. Metode yang digunakan yaitu dengan pendekatan kuantitatif dan populasi penelitian yaitu pengguna GoPay yang berdomisili di Jabodetabek. Hasil pada penelitian ini menunjukkan bahwa kepuasan konsumen berpengaruh positif terhadap loyalitas pengguna GoPay Di Jabodetabek.Kata Kunci: Kepuasan Konsumen, Loyalitas, Perilaku Konsumen.ABSTRACTTechnological changes in Indonesia are so fast.The birth of a variety of financial services or FinTech (financial technology) is a sign. One of the FinTechs in Indonesia is e-wallet. By assessing satisfaction and increasing consumer expectations, it triggers consumers to become loyal. In 2020, GoPay customers were listed as the most active users, first place. This study was conducted to determine whether consumer satisfaction affects the loyalty of gopay users. The method used is a quantitative approach, and the research population is GoPay users who are domiciled in Greater Jakarta. The results of this study indicate that consumer satisfaction has a positive effect on GoPay user loyalty in Jabodetabek.Keyword: Consumer Satisfaction, Loyalty, Consumer Behavior.
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Oktary, Dewi, and Faradina Inda Wardhani. "PENGARUH LITERASI KEUANGAN DAN E-WALLET TERHADAP PERILAKU KONSUMTIF MAHASISWA STIE INDONESIA PONTIANAK." Jurnal Ekonomi Integra 13, no. 1 (2023): 11. http://dx.doi.org/10.51195/iga.v13i1.224.
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Penelitian ini bertujuan untuk mengetahui pengaruh literasi keuangan dan e-wallet terhadap perilaku konsumtif mahasiswa STIE Indonesia Pontianak. Adapun Populasi dalam penelitian ini sebanyak 481 orang mahasiswa dan sampel yang diambil sebanyak 72 orang atau 15% dari populasi. Teknik pengumpulan data dengan menggunakan kuesioner (g-form) dan observasi. Alat analisis data yang digunakan adalah uji validitas, uji reliabilitas, uji asumsi klasik, Uji t dan Uji f. Adapun hasil analisis data yaitu tidak terdapat pengaruh signifikan literasi keuangan terhadap perilaku konsumtif dan terdapat pengaruh signifikan penggunaan e-wallet terhadap perilaku konsumtif. Literasi keuangan dan e-wallet memiliki pengaruh signifikan secara simultan terhadap perilaku konsumtif. Besarnya pengaruh variabel literasi keuangan dan e-wallet terhadap perilaku konsumtif sebanyak 16,1%. Sebaiknya mahasiswa dapat menggunakan fintech e-wallet secara bijak agar dapat terhindar dari perilaku konsumtif, misalnya tidak mudah tergiur terhadap promo – promo yang ditawarkan dari 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 (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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Utomo, Rio Guntur, and Rahmat Yasirandi. "Securing Digital Wallet Loyalty: Unveiling the Impact of Privacy and Security." Scientific Journal of Informatics 11, no. 2 (2024): 287–302. https://doi.org/10.15294/sji.v11i2.2423.
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Purpose: The study investigates the fast-evolving fintech landscape, specifically the impact of digital wallets on the financial industry. It focuses on the competitive digital wallet market in Indonesia, examining how service quality influences user satisfaction and loyalty in a saturated market. By integrating a Security variable into the E-Servqual method, this research aims to offer a new perspective on assessing the effects of digital wallet services on user satisfaction and loyalty. Methods: This study employs the Modified E-Servqual model with an added Security variable to explore how service quality variables like Site Organization, Efficiency, Personal Needs, Privacy, Reliability, Responsiveness, Security, and User’s Friendliness impact customer satisfaction and loyalty in digital transactions. Surveying 287 digital wallet users, mostly GoPay, OVO, ShopeePay and DANA, the research provides a detailed analysis of these variables' effects on E-Customer Satisfaction and E-Customer Loyalty. Result: The findings show that digital wallet users value certain service quality aspects differently in terms of their impact on satisfaction and loyalty. While variables like Reliability, User’s Friendliness, Personal Needs, Privacy, Security, and Efficiency significantly influence user satisfaction, Site Organization and Responsiveness do not. This highlights the importance of security and efficiency in enhancing user satisfaction and loyalty in digital wallets. Novelty: The study's novel contribution is integrating a Security variable into the E-Servqual method, enhancing the assessment of digital wallets' inherent security risks. This integration provides a detailed analysis of how security impacts user satisfaction and loyalty, alongside other service quality factors. This systematic evaluation offers new insights for improving service quality, benefiting companies in the competitive digital wallet market, and informing future research on customer loyalty and provider success.
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MOHD RAZIF, NURUL NABILAH. "FACTORS THAT INFLUENCE THE PERCEIVED RISK TOWARDS E-WALLET PLATFORM IN MALAYSIA." Asia Pacific Journal of Youth Studies 23, no. 1 (2020): 1–15. http://dx.doi.org/10.56390/apjys2024.23.10.
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ABSTRACT Among mostly used platform in fintech industry is the e-wallet service. As technology progresses, doing financial transactions through online platform is also susceptible to certain risk, e-wallet platform included. 231 young adult aged between 18 to 30 years old in Malaysia involved in this study. The data collected via online platform using snowball sampling. Exploratory factor analysis was executed to determine the appropriate perceived risk factors among young adult in e-wallet platform. The finding suggested seven factor that influence the perceived risk, with the factor most explained are Behavioural Intent, Perceived Security, Perceived Privacy Risk, Perceived Usefulness, Trust, Perceived Overall Risk and Perceived Performance Risk as the factor influenced the perceived risk towards e-wallet platform in Malaysia. Keywords: E-wallet Platform, Perceived risk, Exploratory Factor Analysis, Malaysia
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Dhanorkar, Tejas, Sai Charan Ponnoju, and Shemeer Sulaiman Kunju. "Cloud-Native Wallet Fabric: Engineering Scalable, Multicurrency e-Wallet Platforms." Journal of Artificial Intelligence General science (JAIGS) ISSN:3006-4023 6, no. 1 (2024): 766–76. https://doi.org/10.60087/jaigs.v6i1.368.
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The rapid evolution of digital financial ecosystems demands e-wallet platforms that can seamlessly scale while supporting diverse currencies and high transaction volumes. Traditional e-wallet systems, often constrained by monolithic architectures, struggle to meet these requirements, particularly in global, multi-currency contexts. This paper introduces the Cloud-Native Wallet Fabric (CNWF), a novel architecture designed to address these challenges through cloud-native technologies. By leveraging microservices, containerization, Kubernetes orchestration, and serverless computing, CNWF ensures elastic scalability, fault tolerance, and dynamic resource allocation. Additionally, the framework integrates blockchain technology to enhance security and transparency in cross-currency transactions. Empirical evaluations conducted in simulated high-load environments demonstrate CNWF’s ability to process over 50,000 transactions per second with sub-50ms latency, outperforming conventional systems. The architecture also reduces operational costs by 40% through efficient cloud-resource utilization. These findings underscore CNWF’s potential as a foundational model for next-generation, multicurrency e-wallet platforms, aligning with the agility and resilience demands of modern financial technology (FinTech).
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Suryati, Suryati, and Ika Yoga. "THE INFLUENCE OF PERCEIVED EASE OF USE, TRUST AND SECURITY ON INTENTION TO USE E-WALLET." Journal of Management and Islamic Finance 1, no. 2 (2021): 294–308. http://dx.doi.org/10.22515/jmif.v1i2.4692.
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The development of transaction payment systems in Indonesia in the form of cashless or electronic presents E-Wallet as a wallet in the form of a smartphone application and connected to a server. The presence of this system must meet the needs of the community, especially related to convenience, trust and security guarantees. The purpose of this study is to determine the influence of perceived ease of use, trust, and the security of Intention to use e-wallet as a fintech economy. This study used the quantitative method. By using primary data, the sample was taken from 180 respondents of GenBI Solo who have transacted using the e-wallet. The sample was taken by using simple random sampling technique. The collecting data method was using questionnaires. The collected data were analysed by using SPSS for windows version 2.5. The result of the study shows that the perceived ease of use influences significant Intention to use e-wallet, trust influences significant Intention to use e-wallet, and security influences significant Intention to use e-wallet.
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Saragih, Yulia Wahyuni, and Brady Rikumahu. "Analisis Faktor Adopsi E-Wallet Gopay, OVO, dan DANA dengan Model UTAUT2 pada Masyarakat Jawa Barat." Nominal Barometer Riset Akuntansi dan Manajemen 11, no. 1 (2022): 98–121. http://dx.doi.org/10.21831/nominal.v11i1.43075.
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Analysis of the Gopay, OVO, and DANA E-Wallet Adoption Factors with the UTAUT2 Model in the West Java. Fintech is changing the banking industry, reshaping business, and changing the way consumers manage and use money. This study's purpose is to examine the factors that affect the adoption of e-wallet, a product of fintech in West Java using the UTAUT 2 model. This study used data collection techniques in the form of surveys by distributing online and manual questionnaires. The respondents of this research are 400 users from Gopay, OVO, or DANA, domiciled in West Java, and ranging in age from 18-40 years. This study used the PLS-SEM model. The results showed that there were three accepted hypotheses. Only the Habit variable (H7a) has a positive significant effect on the Behavioral Intention, while the other variables have no significant effect. Also, it was found that the variables of Facilitating Conditions (H4b) and Behavioral Intention (H8) had a significant positive effect on Use Behavior. In addition, only the Gender variable moderates the independent variable with the dependent variable. ABSTRAKAnalisis Faktor Adopsi E-wallet Gopay, OVO, dan DANA dengan Model UTAUT2 pada Masyarakat Jawa Barat. Fintech telah mengubah industri perbankan, membentuk kembali bisnis, dan mengubah cara konsumen mengatur dan menggunakan uang mereka. Tujuan dari penelitian ini yaitu untuk meneliti faktor-faktor yang mempengaruhi adopsi e-wallet yang merupakan produk dari fintech pada masyarakat Jawa Barat menggunakan model UTAUT 2. Penelitian ini menggunakan teknik pengambilan data berupa survei dengan menyebarkan kuesioner secara online dan manual. Responden penelitian ini merupakan 400 pengguna dari Gopay, OVO, atau DANA, berdomisili di Jawa Barat, dan berusia 18-40 tahun. Penelitian ini akan menggunakan model PLS-SEM. Hasil penelitian menunjukkan bahwa terdapat tiga hipotesis yang diterima. Hanya variabel Kebiasaan (H7a) yang berpengaruh signifikan positif dengan niat menggunakan, sedangkan variabel lainnya tidak berpengaruh signifikan. Kemudian ditemukan bahwa variabel Kondisi Pendukung (H4b) dan Niat Menggunakan (H8) berpengaruh signifikan positif dengan perilaku menggunakan. Kemudian, hanya variabel jenis kelamin yang memoderasi variabel independen dengan variabel dependen.
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Purwantini, Anissa Hakim, and Friztina Anisa. "FINTECH PAYMENT ADOPTION AMONG MICRO-ENTERPRISES: THE ROLE OF PERCEIVED RISK AND TRUST." Jurnal ASET (Akuntansi Riset) 13, no. 2 (2021): 375–86. http://dx.doi.org/10.17509/jaset.v13i2.37212.
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The current adoption of fintech payment technology by MSMEs is motivated by the trend of using digital money. This study presents an investigation the factors that influence the intention to use fintech payments (e-money, e-wallet and Electronic Data Capture) in micro-enterprises. Furthermore, this study will explore more specifically the role and perceived trust and risk in fintech payment adoption. This study uses a quantitative method by distributing surveys to 136 Micro, Small and Medium Enterprises using convenience sampling technique. The results indicated that perceived usefulness, risk and trust are the important drivers of the adoption fintech payment among the micro-enterprises. The results of this study reveal interesting findings, risk perception has a significant positive effect on intentions to use fintech payments.
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A. M. Abu Daqar, Mohannad, Samer Arqawi, and Sharif Abu Karsh. "Fintech in the eyes of Millennials and Generation Z (the financial behavior and Fintech perception)." Banks and Bank Systems 15, no. 3 (2020): 20–28. http://dx.doi.org/10.21511/bbs.15(3).2020.03.
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This study investigates the Millennials and Gen Z perception toward Fintech services, their usage intention, and their financial behavior. The study took place in the Palestinian context with a global comparison among these generations. The authors used the questionnaire-based technique to meet the study objective. West Bank respondents were selected for this purpose; the study instrument was distributed through different social media channels. The findings show that reliability/trust and ease of use are the main issues in using a financial service. Millennials are more aware (48%) of Fintech services than Gen Z (38%), which is different from the global view where Gen Z is the highest. The smartphone penetration rate is 100% among both generations, while the financial inclusion ratio in Palestine is around 36.4%; these clear indicators are the main Fintech drivers to promote Fintech services in Palestine, and these are global indicators for Fintech adoption intention. Both generations (84%) intend to use e-wallet services, Millennials (87%) and Gen Z is (70%) prefer using real-time services. Half of the respondents see that Fintech plays a complementary role with banks. The majority see that Fintech services are cheaper than bank services. Wealth management, and robot advisor services, and both generations are looking to acquire them in the long run. The authors revealed that 85% of respondents from both generations trust banks, so it is recommended that banks digitize their financial services to meet the customers’ needs, considering that 90% of respondents see that promotions are a key issue in adopting Fintech services. Promoting e-wallet services by banks is highly recommended due to the massive rivalry with Fintech parties.
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Delfian, Delfian, and Abdul Yusuf. "The Effect of Ease of Use and E-Trust on User Purchase Decisions." Almana : Jurnal Manajemen dan Bisnis 6, no. 1 (2022): 20–32. http://dx.doi.org/10.36555/almana.v6i1.1693.
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Fintech (Financial Technology) in Indonesia continues to grow and experience a rapid increase, one of the most widely used Fintech products is a digital wallet (e-wallet). Ease of Use and E-Trust play an important role in making Purchase Decisions, Ease of Use can be seen in terms of the ease of using a system, and E-Trust in terms of very high trust can create a good relationship between the Dana application and its users. This study aims to determine how much influence Ease of Use and E-Trust have on Purchase Decisions on Dana digital wallet users. The research method used is a quantitative method with a descriptive and verification approach, while the data used in this study are primary data obtained from the questionnaire results. Data testing was done by descriptive analysis, verification analysis, and hypothesis testing using SPSS 24. The results showed that Ease of Use Dana, E-Trust Dana, and Purchase Decisions Dana was in a good category. There is a correlation between Ease of Use and E-Trust, there is a partial effect between Ease of Use and E-Trust on Purchase Decisions, and there is a simultaneous effect between Ease of Use and E-Trust on Purchase Decisions.
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Bachtiar, Muhammad Harsya, Nasir Hamzah, Siradjuddin Siradjuddin, and Amiruddin Kadir. "Use of the Flip Application in Fintech Transactions from an Islamic Economic Perspective: Wahdah Islamiyah Cadre Flip User Study." Journal of Modern Islamic Studies and Civilization 2, no. 01 (2023): 10–34. http://dx.doi.org/10.59653/jmisc.v2i01.328.
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The development of financial technology (fintech) has given rise to various financial service applications, including the Flip application. Flip provides a variety of technology-based financial services, such as interbank transfers, buying credit, and E-Wallet top-ups. The Flip application is widely used by the general public, including cadres of the Wahdah Islamiyah mass organization. This research examines fintech transactions from an Islamic perspective, tracing fintech contracts in the Flip application, and the views of Wahdah Islamiyah cadres regarding the use of the Flip application in fintech transactions from an Islamic economic perspective. This research uses qualitative methods with descriptive analysis and a grounded theory approach. Observation, interviews, and documentation all played a role in the data collection process. The results of this research show that: 1) in Islamic terms, fintech is something that is permitted as long as it is free from prohibited elements such as usury, gharar, maysir, tadlis, dharar, zhulm, and haram. 2) Fintech contracts in the Flip application are wakalah, wakalah bil ujrah, and bay' (buying and selling) contracts, which are basically permitted. 3) Flip users among Wahdah Islamiyah cadres view that Flip services such as interbank transfers, credit purchases, and E-Wallet top-ups are in accordance with Islamic economic principles because they are free from usury, gharar, and dharar and contain maslahah and taysir (convenience). Implications of this research: 1) The socialization of Islamic economic principles in fintech-based financial services is needed. 2) can develop research on other fintech features of the Flip application.
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Ayunda Agustina, Reggy, and Muhamad Azrino Gustalika. "Evaluasi User Experience Pada Aplikasi Linkaja Menggunakan Metode User Experience Questionnaire (UEQ)." Bulletin of Information Technology (BIT) 3, no. 4 (2022): 323–31. http://dx.doi.org/10.47065/bit.v3i4.401.
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Rapid technological developments, increasingly complete with the presence of fintech. One of the developing fintech in Indonesia is E-Wallet. Several supporting applications for using E-Wallet include OVO, DANA, LinkAja, ShopeePay and GoPay. According to the results of research by the Daily Social, LinkAja is an E-Wallet that still has few users and has a low rating on the Google Play Store when compared to other E-Wallets. LinkAja users have submitted various complaints in the Google Play Store comments column. Apart from that, LinkAja users also felt other complaints, such as failed upgrades, inappropriate service, deducted balances, and so on. The complaints mentioned point to the quality of the system and services provided by LinkAja, while the high quality of the services provided affects the high level of user satisfaction. With various kinds of problems and complaints about LinkAja, it is necessary to evaluate the user experience so that LinkAja can improve the user experience. One model method for measuring user experience and will be used in this study is the User Experience Questionnaire (UEQ). This study succeeded in evaluating the LinkAja application using the User Experience Questionnaire (UEQ). This study resulted in measurements of each aspect such as Attractiveness (1.552), Perspicuity (1.667), Efficiency (1.225), Dependability (1.233), Stimulation (0.958) obtained a positive evaluation value while Novelty (0.125) obtained a neutral evaluation value, and the benchmark results showed aspects of Attractiveness, Perspicuity, Efficiency, Dependability get the "Above Average" category, Stimulation gets the "Below Average" category, while the Novelty aspect gets the "Bad" category. It is necessary to make improvements in the aspects of Novelty and Stimulation