Faktor-Faktor yang Menentukan Pengaruh Minat dalam Menggunakan Dompet Elektronik (E-Wallet)

Abstract

This study was conducted to look at the factors that determine the influence of interest in using an electronic wallet (E-Wallet), the development of online transactions is increasing rapidly which causes various new technologies in the financial aspect, for example, e-wallet. Electronic Wallet (E-Wallet) is an electronic service to store payment instruments, among others, by using cards or electronic money, which can also accommodate funds, in order to make payments. This research was conducted using multiple linear regression analysis method with the help of the IBM SPSS Statistic 26 application. The variables used were the perception of trust, the perception of security, the perception of benefits, the perception of convenience, the perception of risk, and the perception of consumptiveness. The data used are primary data obtained from the distribution of online questionnaires. The number of respondents who were determined was 100 people from the students of the University of North Sumatra. This study concludes that there is a simultaneous positive and significant influence between the variables of perceived trust, perceived security, perceived benefits, perceived convenience, perceived risk and consumer perception on decisions to use electronic wallets (E-Wallet).