Pengaruh Persepsi Kemudahan Dan Keamanan Terhadap Perilaku Pengelolaan Keuangan Pengguna E-Wallet Pada Generasi Z
Penelitian ini bertujuan untuk menganalisis pengaruh persepsi kemudahan dan persepsi keamanan terhadap perilaku pengelolaan keuangan pengguna e-wallet pada Generasi Z. Perkembangan teknologi digital telah mendorong penggunaan e-wallet secara luas di kalangan masyarakat, khususnya Generasi Z yang dikenal sebagai digital native. Kemudahan transaksi dan tingkat keamanan yang dirasakan menjadi faktor penting yang diduga memengaruhi cara pengguna dalam mengelola keuangan, baik dalam perencanaan, pengendalian pengeluaran, pencatatan transaksi, maupun kebiasaan menabung. Penelitian ini menggunakan pendekatan kuantitatif dengan metode survei melalui kuesioner kepada responden Generasi Z pengguna e-wallet di Kota Palopo. Data dianalisis untuk mengetahui pengaruh persepsi kemudahan dan persepsi keamanan baik secara simultan maupun parsial terhadap perilaku pengelolaan keuangan. Hasil penelitian diharapkan dapat memberikan kontribusi teoritis dalam pengembangan literatur manajemen keuangan digital serta manfaat praktis bagi pengguna dan pengembang e-wallet dalam menciptakan layanan yang tidak hanya mudah dan aman, tetapi juga mendukung pengelolaan keuangan yang lebih baik.
This study aims to analyze the influence of perceived ease of use and perceived security on the financial management behavior of Generation Z e-wallet users. The development of digital technology has encouraged the widespread use of e-wallets, particularly among Generation Z, who are known as digital natives. The convenience of transactions and the level of security perceived by users are important factors that may influence how they manage their finances, including financial planning, expenditure control, transaction recording, and saving habits. This study employs a quantitative approach using a survey method through questionnaires distributed to Generation Z respondents who use e-wallets in Palopo City. The data will be analyzed to determine the simultaneous and partial effects of perceived ease of use and perceived security on financial management behavior. The findings are expected to contribute theoretically to the development of literature on digital financial management and provide practical benefits for users and e-wallet developers in creating services that are not only convenient and secure but also supportive of better financial management.
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