Naila Azaria Mahardhika, . (2025) PENGARUH PERSEPSI KEMUDAHAN PENGGUNAAN, MANFAAT, DAN RISIKO TERHADAP KEPUTUSAN PENGGUNAAN E-WALLET OVO. Skripsi thesis, Universitas Pembangunan Nasional Veteran Jakarta.
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Abstract
Rapid developments in digital technology have changed people's transaction behaviors, particularly in terms of digital wallet usage. This quantitative study aims to determine the influence of perceived ease of use, perceived benefits, and perceived risks on the decision to use the OVO E-Wallet. The research data was obtained through a questionnaire distributed using non-probability sampling, specifically purposive sampling. This study involved 128 respondents from the Millennial and Generation Z groups in DKI Jakarta who had used the OVO E-Wallet. The research data analysis used Partial Least Square (PLS) with the help of the SmartPLS 4.0 application. The results showed that perceptions of ease of use and perceived benefits influenced the decision to use the OVO E-Wallet. Perceived risk has a negative effect on the decision to use the OVO E-Wallet. Overall, perceived ease of use, perceived benefits, and perceived risk are proven to influence the decision to use the OVO E-Wallet. Keywords: digital financial technology, e-wallet, perceived ease of use, perceived risk, perceived usefulness, usage decision
| Item Type: | Thesis (Skripsi) |
|---|---|
| Additional Information: | [No. Panggil: 2210111227] [Pembimbing: Miguna Astuti] [Penguji 1: Risty Rahma Dafina] [Ketua Penguji: Dienni Ruhjatini Sholihah] |
| Uncontrolled Keywords: | Digital Financial Technology, E-Wallet, Perceived Ease Of Use, Perceived Risk, Perceived Usefulness, Usage Decision |
| Subjects: | H Social Sciences > HB Economic Theory H Social Sciences > HD Industries. Land use. Labor > HD28 Management. Industrial Management H Social Sciences > HF Commerce |
| Divisions: | Fakultas Ekonomi dan Bisnis > Program Studi Manajemen (S1) |
| Depositing User: | NAILA AZARIA MAHARDHIKA |
| Date Deposited: | 21 Jan 2026 07:45 |
| Last Modified: | 25 Mar 2026 08:01 |
| URI: | http://repository.upnvj.ac.id/id/eprint/41198 |
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