E-Wallet Adoption in Digital Payment Services: The Impact of Convenience, Trust, and Lifestyle

Zuni Maulidiya; Khusnudin Khusnudin

doi:10.55927/fjmr.v4i4.137

Authors

Zuni Maulidiya Universitas Islam Negeri Maulana Malik Ibrahim Malang
Khusnudin Khusnudin Universitas Islam Negeri Maulana Malik Ibrahim Malang

DOI:

https://doi.org/10.55927/fjmr.v4i4.137

Keywords:

Convenience, E-Wallet, Lifestyle, Trust, Service Usage

Abstract

The purpose of this study was to analyze the effect of convenience, trust, and lifestyle on the use of e-wallet digital payment services for students in Malang City. This research uses quantitative methods with a descriptive approach. Data was obtained through a survey involving 105 respondents who were e-wallet user students in Malang City. The results of this study indicate that convenience, trust, and lifestyle have a positive and significant influence on the use of e-wallet digital payment services both partially and simultaneously. With a coefficient of determination of 62%, the three independent variables can significantly explain the use of e-wallet digital payment services for students in Malang City. This research emphasizes that e-wallet service provider companies are expected to maintain and improve service quality, and ease of use related to e-wallet operations, especially for students who use e-wallets efficiently to support their lifestyle behavior.

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