THE INFLUENCE OF PERCEIVED USEFULNESS, PERCEIVED EASE OF USE AND DIGITAL FINANCIAL LITERACY ON USE BEHAVIOR IN DIGITAL PAYMENT
DOI:
https://doi.org/10.30996/die.v16i02.132476Keywords:
Perceived Usefulness, Perceived Ease of Use, Digital , Financial Literacy, Use Behavior, Digital PaymentAbstract
Objectives - This study aims to analyze the effect of perceptions of use, perception of ease of use, and digital financial literacy on the behavior of use in the use of digital payment services among students of the University of Indo Global Mandiri Palembang.
Novelty - In previous studies the brand only focuses on the influence of digital payment while in this study it was further developed, namely the effect of perceived usefulness, perceived ease of use and digital financial literacy on Use Behavior on Digital Payment among students, especially at Indo Global Mandiri University.
Methods - This research uses a quantitative approach with data collection techniques through questionnaires distributed to 176 selected respondents using the purposive sampling method. Data analysis was carried out using the Partial Least Squares-Structural Equation Modeling (PLS-SEM) method using SmartPLS 4 software.
Findings - The results showed that the perception of ease of use and digital financial literacy had a positive and significant effect on the behavior of the use of digital payment services, while the perception of use did not show a significant effect. These findings provide theoretical implications by expanding the application of Technology Acceptance Model (TAM) through the integration of digital financial literacy variables, as well as practical implications for digital payment service providers in designing strategies to increase sustainable use.
Limitations and Implications - This research is limited only to the student sector, especially only students of Indo Global Mandiri University. The implications of this study can make the basis for all students from various universities.
Downloads
References
Ajzen, I. (2020). The theory of planned behavior: Frequently asked questions. Europe's Journal of Psychology, 16(3), 1–11. https://doi.org/10.5964/ejop.v16i3.2056
Alalwan, A. A., Dwivedi, Y. K., & Rana, N. P. (2017). Digital payment adoption: A review and research agenda. International Journal of Bank Marketing, 35(6), 849–872. https://doi.org/10.1108/IJBM-01-2016-0009
Alamsyah, R., & Oktaviani, R. (2023). Pengaruh promosi dan kemudahan terhadap perilaku konsumen dalam menggunakan dompet digital. Jurnal Bisnis dan Teknologi, 6(1), 45–55.
Apriliani, R., & Annisa, R. M. (2024). Literasi Keuangan Berbasis Teknologi Digital: Teori dan Implementasinya. Malang: CV. Literasi Nusantara Abadi.
Ayu, M. F., & Wibowo, R. D. (2020). Analisis pengaruh perceived usefulness dan perceived ease of use terhadap actual usage melalui behavioral intention pada pengguna OVO. Jurnal Ilmiah MEA (Manajemen, Ekonomi, dan Akuntansi), 4(3), 25–35.
Azwar, S. (2012). Reliabilitas dan Validitas (4th ed.). Yogyakarta: Pustaka Pelajar.
Chin, W. Wynne; Todd, A. P. (1995). On the Use, Usefulness, and Ease of Use of
Structural Equation Modeling in MIS Research. A Note of Caution. 19(2), 10.
https://doi.org/10.2307/249690
Enwereuzor, I. K., Ukeatabuchi, J., Ekwesaranna, F., Ezinne, W., & Uche, P.
(2023). International Journal of Africa Nursing Sciences Interplay of
organizational constraints and workplace status in intent to stay of frontline
nurses caring for patients with COVID-19. International Journal of Africa
Nursing Sciences, 18(April), 100567.
https://doi.org/10.1016/j.ijans.2023.100567
Fitriyanti, N. N. A. (2022). Pengaruh perceived ease of use, perceived usefulness, dan literasi keuangan terhadap minat penggunaan dompet digital (Studi kasus pada pengguna di kalangan mahasiswa Muslim Yogyakarta) (Skripsi, Universitas Muhammadiyah Yogyakarta). https://etd.umy.ac.id/id/eprint/31938
Fortune Indonesia. (2024, Mei 20). 94% Gen Z gunakan e-wallet untuk pembayaran digital. https://www.fortuneidn.com/finance/survei-94-gen-z-gunakan-e-wallet-untuk-pembayaran-digital-00-4vfn9-29r9c7. Diakses pada 24 Juli 2025
Hubona, G. S., & Schuberth, F. (2021). A clarification of confirmatory composite analysis (CCA). International Journal of Information
Management. 61 (July). https://doi.org/10.1016/j.ijinfomgt.2021.102399
International Journal of Bank Marketing. (2021). Exploring mobile payment adoption: A psychological and technological perspective. Int. J. Bank Market., 39(3), 401–420.
Jin, X., & Fan, M. (2022). Understanding current banking practices and challenges among older adults in China. Journal of Aging & Social Policy, 34(1), 33-49. https://arxiv.org/abs/2207.12935
Journal of Economic Psychology. (2020). Cognitive biases in financial decision-making. Journal of Economic Psychology, 76, 102234.
Kompas.com. (2023, September 22). Survei Visa: E-wallet paling banyak digunakan Gen Z. https://money.kompas.com/read/2023/09/22/190000926/survei-visa--e-wallet-paling-banyak-digunakan-gen-z-dalam-pembayaran-digital. Diakses pada 24 Juli 2025
Lyons, A. C., & Kass-Hanna, J. (2023). Digital financial literacy and financial well-being. Finance Research Letters, 58, 104438. https://doi.org/10.1016/j.frl.2023.104438
Marhadi, M., Fathoni, A. F., Setiawan, B., Pratiwi, D., Hayati, R., Boros, A., & Sudibyo, N. A. (2024). Continuance intention of Fintech Peer-to-Peer (P2P) financing Shariah: Moderation role of brand schematicity and digital financial literacy. Journal of Open Innovation: Technology, Market, and Complexity, 10(3), 100301. https://doi.org/10.1016/j.joitmc.2024.100301
McDonald, P. M. (2005). Validity, Data Sources. Sciendirect.
https://doi.org/ 10.1016/B0-12-369398-5/00046-3
Miraz, M. H., & Haikel-Elsabeh, M. (2020). Analysis of users' behaviour and adoption trends of social media payment platforms. International Journal of Digital Finance, 8(4), 222–239. https://arxiv.org/abs/2002.05659
Monica, F., & Japarianto, E. (2022). Analisa pengaruh perceived ease of use dan perceived enjoyment terhadap behavior intention pada digital payment. Jurnal Ilmu Manajemen (JIM), 10(1), 23–30.
Muliadi, M. L., & Japarianto, E. (2021). Analisa pengaruh perceived ease of use terhadap behavior intention melalui perceived usefulness sebagai media intervening pada digital payment OVO. Jurnal Manajemen Pemasaran, 15(2), 94–101.
Novira, D., Utomo, H. S., & Mulyanto, I. H. (2022). Influence of perceived ease of use and perceived usefulness towards continuance intention with customer satisfaction as intervening variable: A study of startup companies using e-wallet. Jurnal Ekonomi dan Bisnis Digital, 4(3), 78–86.
Ntaukira, J., Maliwichi, P., & Khomba, J. K. (2021). Factors that determine continuous intention to use mobile payments in Malawi. Journal of Business Research, 12(2), 45-60. https://arxiv.org/abs/2108.09944
Nuraini, L. (2021). Aplikasi Technology Acceptance Model (TAM) terhadap pengguna layanan internet banking di Kota Tangerang. Ekonomi Bisnis, 27(2), 134–142. https://doi.org/10.33592/jeb.v27i2.2290
Nuryani, Y., & Winata, A. Y. S. (2024). Mengukur Minat Berkunjung Kembali
Atas Dasar Media Sosial Dan Citra Destinasi Wisata Pantai Lon Malang Di
Sampang Madura. Jurnal Kajian Ilmu Manajemen (JKIM), 3(4).
OECD. (2023). Financial Literacy and Financial Behaviour. https://www.oecd.org/finance/financial-education/
Otoritas Jasa Keuangan. (2022). Survei Nasional Literasi dan Inklusi Keuangan (SNLIK) Tahun 2022. Jakarta: OJK. Retrieved from https://www.ojk.go.id. Diakses pada 25 Maret 2025
Pramudito, A. D., & Rosidah, R. (2023). Pengaruh Perceived usefulness dan Perceived ease of use terhadap Actual System Use (Studi pada Pengguna Aplikasi BNI Mobile di Kota Salatiga). Jurnal Ilmu Administrasi Bisnis, 12(2), 101–110. Diakses dari https://ejournal3.undip.ac.id/index.php/jiab/article/view/42452
Prawiyogi, A. G., Sadiah, T. L., Purwanugraha, A., & Elisa, P. N. (2021). Penggunaan Media Big Book untuk Menumbuhkan Minat Membaca di
Sekolah Dasar. Jurnal Basicedu, 5(1), 446–452.
https://doi.org/10.31004/basicedu.v5i1.787
Purwanto, A., Sudargini, Y., & Pramono, R. (2022). Pengaruh persepsi kemudahan dan kepercayaan terhadap minat dan perilaku menggunakan e-wallet. Jurnal Ilmu Manajemen Terapan, 5(1), 60–70.
Purwanto, H., Adi, H. I. S., Astuty, H. S., & Suwarno. (2024). The Influence Of Perceived ease of use On The Intention To Use Digital payment Applications In Transactions. Jurnal Ilmiah Ekonomi Global Masa Kini, 15(2), 112–120. https://doi.org/10.36982/jiegmk.v15i2.4813
Putri, F. R., & Anwar, K. (2022). Faktor yang Mempengaruhi Penggunaan E-Wallet di Kalangan Mahasiswa: Analisis TAM dan Habit. Jurnal Manajemen dan Kewirausahaan, 24(2), 89–98. https://doi.org/10.9744/jmk.24.2.89–98
Putri, F. R., & Hidayat, T. (2022). Digital financial literacy dan pengaruhnya terhadap perilaku penggunaan e-wallet di kalangan mahasiswa. Jurnal Ekonomi dan Bisnis Digital, 5(2), 72–82.
Rahi, S., Ghani, M. A., & Alnaser, F. M. (2021). Adoption of internet banking services in Malaysia: An integration of trust, technology acceptance and financial literacy. Journal of Internet Banking and Commerce, 26(3), 1–20.
Rahmawati, D., & Permana, F. (2023). Faktor-Faktor yang Mempengaruhi Minat Mahasiswa Menggunakan E-Wallet di Era Digital. Jurnal Ilmu Manajemen Terapan, 10(1), 23–35.
Sekaran, U., & Bougie, R. (2016). Research Methods for Business: A Skill-Building Approach (7th ed.). Wiley.
Statman, M. (2019). Behavioral finance: The second generation. Journal of Behavioral Finance, 20(3), 234–245. https://doi.org/10.1080/10508422.2019.1622909
Sudyasjayanti, C., & Gadi, A. F. (2022). Pengaruh perceived ease of use, perceived usefulness, dan trust terhadap intention to use mobile payment pada pria dan wanita. Jurnal Ekonomi dan Bisnis, 25(1), 15–25.
Sugiyono. (2019). Metode Penelitian Kuantitatif, Kualitatif, dan R&D. Bandung: Alfabeta.
Suhartanto, D., Helmi Ali, M., Tan, K. H., Sjahroeddin, F., & Kusdibyo, L. (2018). Loyalty toward online food delivery service: The role of e-service quality and food quality. Journal of Foodservice Business Research, 22(1), 81–97. https://doi.org/10.1080/15378020.2018.1546076
Tangerang, S. R., & Sudaryonoyahoocoid, E. (2002). Aplikasi Analisis (Path
Analysis) Berdasarkan Urutan Penempatan Variabel dalam Penelitian. 391–
Wan Hanafi, W. N., & Toolib, S. N. (2021). Influences of perceived usefulness, perceived ease of use, and perceived security on intention to use digital payment: A comparative study among Malaysian younger and older adults. International Journal of Advanced Research in Economics and Finance, 3(1), 50–60.
Wang, Y., Hong, A., Li, X., & Gao, J. (2021). Marketing innovations during a global crisis: A study of China firms’ response to COVID-19. Technological Forecasting and Social Change, 162, 120346. https://doi.org/10.1016/j.techfore.2020.120346
Widiyanto, W., & Setyowati, R. (2020). Pengaruh Literasi Keuangan Digital Terhadap Penggunaan Produk Keuangan Digital pada Mahasiswa. Jurnal Ekonomi dan Bisnis, 23(2), 140–149. https://doi.org/10.24914/jeb.v23i2.2345
Yamin, S. (2023). Olah Data Statistik SmartPLS3 SmartPLS4 Amos & Strata (Mudah & Praktis) Edisi III (3rd ed.). Dewangga Energi Internasional. https://books.google.co.id/books/about/Oah_data_Statistik_SMARTPLS_3_SMARTPLS.html?id=0b_LEAAAQBAJ&redir_esc=y
Downloads
Published
Issue
Section
License
Copyright (c) 2025 Yassar Tirtha, Budi Setiawan, Try Wulandari
This work is licensed under a Creative Commons Attribution-ShareAlike 4.0 International License.
The author who will publish the manuscript at DiE: Jurnal Ilmu Ekonomi dan Manajemen, agree to the following terms:
1. Authors retain copyright and grant the journal right of first publication with the work simultaneously licensed under a Creative Commons Attribution ShareAlike License that allows others to share the work with an acknowledgment of the work's authorship and initial publication in this journal.
2. Authors are able to enter into separate, additional contractual arrangements for the non-exclusive distribution of the journal's published version of the work (e.g., post it to an institutional repository or publish it in a book), with an acknowledgment of its initial publication in this journal.
3. Authors are permitted and encouraged to post their work online (e.g., in institutional repositories, pre-prints sites or on their website) prior to and during the submission process, as it can lead to productive exchanges, as well as earlier and greater dissemination of published work
