Analisis Pengaruh Kemudahan Penggunaan dan Kebermanfaatan yang Dirasakan terhadap Keberlanjutan Penggunaan E-Wallet pada Pelaku UMKM di Indonesia Dimoderasi oleh Risiko Keamanan

Authors

  • Natasya Gabriella Tambunan Universitas Bengkulu
  • Vika Fitranita Universitas Bengkulu

DOI:

https://doi.org/10.30651/jms.v10i3.26688

Abstract

This study aims to analyze the effect of ease of use and perceived usefulness on the continued use of E-wallets in MSME players in Indonesia, with security risk as a moderating variable. The research method uses a quantitative approach with a survey involving 400 respondents of MSME players who use E-wallets in digital transactions, such as payments, revenue receipts, and payroll cycle management. The results of the analysis show that ease of use does not have a significant effect on the continued use of E-wallets. In contrast, perceived usefulness has a positive impact on the continued use of this technology. Security risks are proven to play a role in strengthening the relationship between ease of use and usefulness with the continued use of E-wallets. These findings indicate that even though users feel the benefits of using E-wallets, the perception of security risks remains an important factor that can reduce the intention to continue using these services.

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Published

2025-06-12

How to Cite

Natasya Gabriella Tambunan, & Vika Fitranita. (2025). Analisis Pengaruh Kemudahan Penggunaan dan Kebermanfaatan yang Dirasakan terhadap Keberlanjutan Penggunaan E-Wallet pada Pelaku UMKM di Indonesia Dimoderasi oleh Risiko Keamanan. Jurnal Masharif Al-Syariah: Jurnal Ekonomi Dan Perbankan Syariah, 10(3). https://doi.org/10.30651/jms.v10i3.26688

Issue

Vol. 10 No. 3 (2025)

Section

Artikel

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