ANALISIS FAKTOR YANG MEMPENGARUHI KEPUTUSAN MASYARAKAT MENGGUNAKAN DOMPET DIGITAL

Abstract

This study aims to analyze the factors influencing people's decisions to use digital wallets. The issue raised is the lack of understanding of the factors that drive users to choose digital wallet services over conventional payment methods. This study used a quantitative approach, collecting data through a survey of active digital wallet users who had used the services for at least the past six months. The variables studied included ease of use, usability, promotion, security, social influence, and financial literacy. The obtained data was processed and analyzed to determine the partial and simultaneous influence of each factor on the decision to use a digital wallet. The results showed that ease of use was the most influential factor, followed by usability and promotion. Security, social influence, and financial literacy contributed, but were not the dominant factors. Simultaneously, all factors were shown to influence the decision to use a digital wallet. This study concluded that the decision to use a digital wallet is influenced by a combination of functional and emotional factors, with ease and usability being the primary drivers.