DETERMINANTS OF E-WALLET TRANSACTION VALUE IN GENERATION Z

Abstract

The purpose of this study was to analyze the effect of ease of use, security, income, and education level variables on the value of e-wallet transactions in generation Z. The research place is in East Purwokerto District. This research is a quantitative study using a survey. The population in this study were e-wallet users with an age range of 17-26 years, totaling 12,671 people. The Taro Yamane formula is used to determine the number of samples. From the calculation, a sample size of 100 people was obtained. The sampling method used is purposive sampling. Based on data analysis using multiple linear regression analysis, it is known that: (1) The variables of ease of use, security, income, and education level together have a significant effect on the value of e-wallet transactions in generation Z, (2) Security variables and education levels partially have no significant effect on the value of e-wallet transactions in generation Z, (3) Ease of use and income partially have a positive and significant effect on the value of e-wallet transactions in generation Z. The implications of this study are: (1) To increase the use of e-wallets, providers can provide information and the benefits obtained by users when transacting, (2) Providers can increase the speed, accuracy of the transaction process, and ease of using features so that users can transact smoothly and easily, (3) Providers in collaboration with Bank Indonesia and the Financial Services Authority provide security guarantees for user personal data and transactions.