Analisis Determinan Penggunaan E Wallet
Analysis of Determinants of E Wallet Use
Abstract
Penelitian ini bertujuan menganalisis determinan penggunaan e-wallet di Indonesia, dengan fokus pada faktor kepercayaan, kenyamanan, promosi, dan persaingan antar penyedia. Penelitian ini menggunakan metode sensus, di mana seluruh populasi di lokasi penelitian dijadikan sampel, yakni di supermarket Carrefour Kota Makassar. Metode kuantitatif, seperti regresi linear berganda, digunakan untuk menganalisis data. Hasil penelitian menunjukkan bahwa faktor keamanan (X1) dan kemudahan (X2) memiliki pengaruh signifikan terhadap minat penggunaan e-wallet (Y). Koefisien regresi untuk faktor keamanan adalah 0.748, mengindikasikan bahwa peningkatan keamanan meningkatkan minat penggunaan e-wallet. Koefisien regresi untuk faktor kemudahan adalah 0.289, menunjukkan bahwa semakin mudah proses transaksi, semakin besar kemungkinan individu menggunakan e-wallet. Uji simultan (F) menunjukkan bahwa faktor keamanan dan kemudahan secara bersama-sama berpengaruh signifikan terhadap minat penggunaan e-wallet. Uji parsial (t) mengindikasikan bahwa secara individu, kedua faktor tersebut berpengaruh positif dan signifikan. Temuan ini menggarisbawahi pentingnya bagi penyedia layanan e-wallet untuk fokus pada aspek keamanan dan kemudahan dalam mengembangkan dan mempromosikan produk mereka. Penelitian ini menyimpulkan bahwa faktor keamanan dan kemudahan memainkan peran penting dalam membentuk minat penggunaan e-wallet, dengan kedua faktor saling memengaruhi dan meningkatkan minat pengguna. Keamanan dan kemudahan transaksi menjadi faktor utama yang mempengaruhi keputusan konsumen, sehingga layanan keuangan digital perlu terus ditingkatkan agar lebih inklusif dan aman bagi seluruh lapisan masyarakat di Indonesia
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