Articles
Pengaruh Persepsi Keamanan, Kemudahan Penggunaan, Kepercayaan dan Gaya Hidup Terhadap Keputusan Penggunaan Dompet Digital pada Generasi Z
Published 2026-10-01
Keywords
- decision to use,
- lifestyle,
- perceived ease of use,
- perceived security,
- trust
How to Cite
Pengaruh Persepsi Keamanan, Kemudahan Penggunaan, Kepercayaan dan Gaya Hidup Terhadap Keputusan Penggunaan Dompet Digital pada Generasi Z. (2026). Musytari : Jurnal Manajemen, Akuntansi, Dan Ekonomi, 25(10). https://journal.cib.institute/index.php/musytari/article/view/4720
Abstract
The development of digital technology has transformed financial transaction behavior through the use of digital wallets as a practical, fast, and efficient payment method. Generation Z actively uses digital technology in various daily activities, including financial transactions through digital wallets. This study aims to determine and analyze the influence of perceived security, perceived ease of use, trust, and lifestyle on the decision to use digital wallets among Generation Z in Bekasi City. Primary data were collected through questionnaires from 150 respondents selected using purposive sampling. Data were analyzed using Partial Least Squares-Structural Equation Modeling (PLS-SEM) with SmartPLS 4. The results show that perceived security, perceived ease of use, trust, and lifestyle have a positive and significant influence on the decision to use digital wallets. The four variables explain 56.2% of the decision to use digital wallets, while the remaining 43.8% is explained by other factors outside the research. Lifestyle has the most dominant influence on the decision to use digital wallets.References
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