Apa yang mendorong Generasi Z menggunakan dompet digital? Peran moderasi kepercayaan dalam adopsi pembayaran digital | Jurnal Manajemen Maranatha

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Diterbitkan: May 18, 2026

DOI: https://doi.org/10.28932/jmm.v25i2.14914

Kata Kunci:

e-wallets, perceived ease of use, perceived usefulness, perceived security, trust e-wallets, keamanan dirasakan, kegunaan dirasakan, kemudahan dirasakan, kepercayaan

Alya Elita Sjioen

Program Studi Manajemen, Fakultas Ekonomi, Universitas Kristen Artha Wacana

Jofret Umbu Soru Peku Djawang

Program Studi Manajemen, Fakultas Ekonomi, Universitas Kristen Artha Wacana

Melvin Krisdiana Djami Rane

Program Studi Manajemen, Fakultas Ekonomi, Universitas Kristen Artha Wacana

Margarethy Rohanie Mbado

Program Studi Manajemen, Fakultas Ekonomi, Universitas Kristen Artha Wacana

Yudith Febrianty Lerrick

Program Studi Manajemen, Fakultas Ekonomi, Universitas Kristen Artha Wacana

Abstrak

Dalam beberapa tahun terakhir, penggunaan e-wallets di Kupang telah meningkat secara signifikan. Dompet digital kini memperoleh perhatian serius dari pemerintah dan penyedia fintech, didorong oleh ketergantungan masyarakat yang semakin tinggi pada teknologi seluler serta upaya berkelanjutan untuk meningkatkan inklusivitas keuangan. Studi ini meneliti bagaimana niat pengguna untuk menggunakan dompet elektronik dipengaruhi oleh persepsi kegunaan, persepsi keamanan, serta persepsi kemudahan, dengan kepercayaan sebagai variabel moderasi. Penelitian ini menerapkan kerangka penelitian kuantitatif dengan desain kausal-asosiatif. Data dikumpulkan melalui survei online terhadap 125 orang pengguna dompet digital di Kota Kupang, dipilih penggunaan metode purposive sampling, serta diukur menggunakan 25 indikator. Analisis data menggunakan metode PLS-SEM. Temuan penelitian merepresentasikan bahwa persepsi keamanan, kemudahan penggunaan, dan kepercayaan, semuanya, memainkan peran penting dalam mendorong Generasi Z di Kota Kupang untuk mengadopsi dompet digital, karena masing-masing faktor ini mempunyai pengaruh positif dan signifikan terhadap niat mereka menggunakan teknologi tersebut. Selain itu, kepercayaan berfungsi sebagai konstruksi moderasi yang memperkuat pengaruh persepsi keamanan dan kemudahan penggunaan terhadap niat untuk menggunakan dompet digital. Namun, kepercayaan tidak dapat memoderasi pengaruh kegunaan yang dirasakan terhadap niat untuk menggunakan dompet elektronik. Temuan dari studi ini memberikan wawasan berharga bagi bisnis dalam menangani kebutuhan pengguna yang terus berkembang dan mencapai kinerja bisnis yang lebih baik di masa depan. Hasil penelitian ini juga menawarkan ide-ide berguna bagi pemasar, pembuat kebijakan, dan pengembangan fintech untuk menjembatani kesenjangan antara adopsi pengguna dan ketersediaan teknologi.

Unduhan

Data unduhan belum tersedia.

Cara Mengutip

Sjioen, A. E., Djawang, J. U. S. P., Rane, M. K. D., Mbado, M. R., & Lerrick, Y. F. (2026). Apa yang mendorong Generasi Z menggunakan dompet digital? Peran moderasi kepercayaan dalam adopsi pembayaran digital. Jurnal Manajemen Maranatha, 25(2), 231–248. https://doi.org/10.28932/jmm.v25i2.14914

Terbitan

Vol 25 No 2 (2026): Jurnal Manajemen Maranatha

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Articles

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Artikel ini berlisensi Creative Commons Attribution-NonCommercial 4.0 International License.

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