The Influence of Digital Literacy, Perceived Ease of Use, and Trust on the Decision to Use Digital Wallets
DOI: https://doi.org/10.65967/cpbo.v2i4.82
digital literacy, perceived ease of use, trust, digital wallet usage decision
Abstract
The rapid development of financial technology has led to the increasing adoption of digital wallets as an alternative to cashless payment transactions. This study aims to examine the influence of digital literacy, perceived ease of use, and trust on the decision to use digital wallets among students of the Faculty of Economics and Business, Universitas Muhammadiyah Palembang. This research employed a quantitative approach using a survey method. Data were collected through questionnaires distributed to respondents selected using purposive sampling. The data were analyzed using multiple linear regression analysis with the assistance of SPSS software. The results indicate that digital literacy, perceived ease of use, and trust simultaneously have a significant effect on the decision to use digital wallets. These findings suggest that the ability to understand digital technology, the ease of using digital wallet applications, and trust in the security and credibility of the service are key factors influencing users' decisions to adopt digital wallets. This study implies that digital wallet service providers should enhance digital literacy programs, improve application usability, and strengthen system security to increase digital wallet usage decisions among university students.
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Copyright (c) 2026 Luthfi Zamakhsyari, Yudha Mahrom Darma Saputra, Widi Samsudin, RZ Muhammad Rahman
This work is licensed under a Creative Commons Attribution-NonCommercial 4.0 International License.
