Perception of Ease, Trust, and Payment Risk on Interest in Using the Gopay E-Wallet Among Economics Education Students at Sebelas Maret University, Surakarta
DOI:
https://doi.org/10.53787/iconev.v6i1.78Keywords:
Digital Finance, Ease Use, Gopay Intention, Payment Risk, User TrustAbstract
This research aims to analyze the influence of perceived ease of use, trust, and payment risk on the intention to use the GoPay e-wallet among Economics Education students at Universitas Sebelas Maret Surakarta. The background of this research is based on the increasing use of e-wallets among students and the importance of psychological and security factors in the adoption of digital financial technologies. This study employed a quantitative approach with a survey method using questionnaires distributed to 193 respondents selected through purposive sampling. Data analysis was conducted using multiple linear regression with the help of SPSS 26 software. The results showed that partially, perceived ease of use and trust have a positive and significant effect on the intention to use GoPay. On the other hand, perceived risk has a negative but significant effect. Simultaneously, all three independent variables have a significant influence on the intention to use GoPay. These findings support the Technology Acceptance Model (TAM) and Fintech (Finansial Technology), which suggests that ease of use are key determinants of technology acceptance, while perceived risk can serve as a psychological barrier reducing user intention. The study provides important implications for e-wallet service providers to enhance ease of use and security features in order to build trust and reduce users’ perceived risks, especially among university students.References
Arif, M. N., & Abdul, Y. (2022). Pengaruh persepsi kemudahan penggunaan dan kepercayaan terhadap minat menggunakan aplikasi dompet digital LinkAja. Jurnal Manajemen dan Sains, 7(2), 928–933. http://dx.doi.org/10.33087/jmas.v7i2.569
Bank Indonesia. (2016). Penyelenggaraan pemrosesan transaksi pembayaran. https://www.bi.go.id/id/peraturan/sistempembayaran/Pages/pbi_184016.asp
Chauhan, S. (2015). Acceptance of mobile by poor citizens of India: Integrating trust into the technology acceptance model. Info, 17, 58–68. https://doi.org/10.1108/info-02-2015-0018
Effendi, F., Hurriyati, R., & Hendrayati, H. (2020). Perceived usefulness, perceived ease of use, and social influence: Intention to use e-wallet. Advances in Economics, Business and Management Research, 187, 311–315. https://doi.org/10.2991/aebmr.k.210831.060
Faizani, S. N., & Indriyanti, A. D. (2021). Analisis pengaruh technology readiness terhadap perceived usefulness dan perceived ease of use terhadap behavioral intention dari quick response Indonesian standard (QRIS) untuk pembayaran digital. Journal of Emerging Information System and Business Intelligence, 2(2), 85–93. https://doi.org/10.26740/jeisbi.v2i2.39738
Kurnianingsih, H. (2020). Pengaruh persepsi manfaat, persepsi kemudahan penggunaan, fitur layanan, dan kepercayaan terhadap minat penggunaan e-money di Jawa Tengah. Jurnal Ilmiah Akuntansi dan Teknologi, 12(1), 1–13. https://doi.org/10.31253/aktek.v12i1.370
Mareta, Y., & Meiryani. (2023). Determinants of interest using QRIS as a payment technology for e-wallet by generation Z in Indonesia. Journal of Syntax Literate, 8(2). https://doi.org/10.36418/syntax-literate.v8i2.11175
Nabilah, F. N. (2018). Pengaruh harga dan kepercayaan konsumen memediasi kualitas website terhadap niat pembelian ulang tiket hotel Traveloka di Surabaya. Jurnal Manajemen STIE Perbanas, 1–23.
Patrisia, P., Ellyawati, N., Piar, C. S., Reza, R., & Astuti, R. S. (2023). Pengaruh pembayaran non tunai (e-wallet) terhadap perilaku konsumtif mahasiswa FKIP Universitas Mulawarman. Jurnal Pendidikan Ekonomi, 11(1), 1–8. http://dx.doi.org/10.24127/pro.v11i1.7852
(Author tidak tercantum). (n.d.). Model dalam penerimaan pengguna Gopay sebagai sistem pembayaran elektronik. Jurnal Komputer Antartika, 1(4), 167–173. https://doi.org/10.70052/jka.v1i4.37
Rodiah, S., & Melati, I. S. (2020). Pengaruh kemudahan penggunaan, kemanfaatan, risiko, dan kepercayaan terhadap minat menggunakan e-wallet pada generasi milenial Kota Semarang. Journal of Economic Education and Entrepreneurship, 1(2), 66–80. https://doi.org/10.31331/jeee.v1i2.1293
Samara, A., & Susanti, M. (2023). Pengaruh kemudahan penggunaan, pengalaman pengguna, dan kepuasan pelanggan terhadap loyalitas pelanggan pada penggunaan aplikasi dompet digital di kalangan mahasiswa. Jurnal Riset Akuntansi, 1(2), 249–260. https://doi.org/10.54066/jura-itb.v1i2.700
Sukmawati, K., & Dionysia, K. (2022). Keputusan penggunaan e-wallet Gopay berdasarkan pengaruh keamanan, persepsi kemudahan, dan persepsi manfaat. Jurnal Jukim, 1(5), 62–68. https://doi.org/10.56127/jukim.v1i05.481
Wardhana, A. A., Saputro, E. P., Wahyuddin, M., & Abas, N. I. (2022). The effect of convenience, perceived ease of use, and perceived usefulness on intention to use e-wallet. Advances in Economics, Business and Management Research, 218, 386–395. https://doi.org/10.2991/aebmr.k.220602.051
Widiyanti, W. (2020). Pengaruh kemanfaatan, kemudahan penggunaan, dan promosi terhadap keputusan penggunaan e-wallet OVO di Depok. Moneter: Jurnal Akuntansi dan Keuangan, 7(1), 54–63.
Yogananda, A. S., & Dirgantara, I. B. (2017). Pengaruh persepsi manfaat, persepsi kemudahan penggunaan, kepercayaan, dan persepsi risiko terhadap minat menggunakan instrumen uang elektronik. Diponegoro Journal of Management, 6(4), 1–7.
Downloads
Published
Issue
Section
License
Copyright (c) 2026 Indonesian Economic Review
This work is licensed under a Creative Commons Attribution-ShareAlike 4.0 International License.
journal is licensed under a Creative Commons Attribution-Non-commercial-No Derivatives 4.0 International License. This license allows authors to copy and redistribute the material in any or medium format. The journal allows the author(s) to hold the copyright without restrictions and will retain publishing rights without restrictions.
