PENGARUH PERSEPSI KEMUDAHAN PENGGUNAAN DAN PERSEPSI KEAMANAN TRANSAKSI TERHADAP MINAT MENGGUNAKAN APLIKASI DANA PADA MAHASISWA FAKULTAS EKONOMI UNIVERSITAS NEGERI JAKARTA

Authors

  • Prianda Saputra Program Studi Bisnis Digital, Fakultas Ekonomi dan Bisnis, Universitas Negeri Jakarta
  • Muhammad Rafli Program Studi Bisnis Digital, Fakultas Ekonomi dan Bisnis, Universitas Negeri Jakarta
  • Batahan Renaldi Program Studi Bisnis Digital, Fakultas Ekonomi dan Bisnis, Universitas Negeri Jakarta
  • Shuja Azmi Ismail Program Studi Bisnis Digital, Fakultas Ekonomi dan Bisnis, Universitas Negeri Jakarta
  • Hendryawan Cipta Mulia Program Studi Bisnis Digital, Fakultas Ekonomi dan Bisnis, Universitas Negeri Jakarta

Keywords:

perceived ease of use, perceived security, interest in use, DANA application, digital wallets, fintech

Abstract

This aims to analyze the influence of perceived ease of use and perceived security on the interest in using the DANA application among students of the Faculty of Economics, Universitas Negeri Jakarta. The rise of financial technology usage has significantly changed the landscape of financial services, particularly in the context of digital payment systems like e-wallets. DANA, a leading digital wallet launched on November 5, 2018, has gained popularity, especially among millennials who prioritize convenience and security in their transactions.Using a quantitative approach with a survey method, data were collected from 100 respondents through a structured questionnaire. The data were analyzed using Structural Equation Modeling (SEM) with Partial Least Squares (PLS). The findings reveal that both perceived ease of use and perceived security have a positive and significant effect on students' intention to use the DANA application. Specifically, as users perceive the application to be easier and more secure, their interest in utilizing DANA for daily transactions increases.

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Published

2024-12-15

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Vol. 2 No. 12 (2024): Desember

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