Pengaruh Persepsi  Keamanan Data,Gaya Hidup, dan Promosi terhadap Minat Menggunakan Dompet Digital pada Generasi Z

A.Muh Fathi Katsirun Nawal; Joan Nathania Latifa; Unaiza Nafta Lima Haka; Icha Agustin Nurhastuti; Ahmad Chafid Alwi

doi:10.46576/jfeb.v4i2.7953

Pengaruh Persepsi  Keamanan Data,Gaya Hidup, dan Promosi terhadap Minat Menggunakan Dompet Digital pada Generasi Z 

A.Muh Fathi Katsirun Nawal, Joan Nathania Latifa, Unaiza Nafta Lima Haka, Icha Agustin Nurhastuti, Ahmad Chafid Alwi

Abstract

The development of digital technology has transformed payment systems from cash to non-cash methods such as digital wallets (e-wallets), which are practical and efficient. Generation Z, as active users of these services, face issues of personal data security, digital lifestyle, and promotional competition from service providers. This study analyzes the influence of perceptions of data security, lifestyle, and promotions on Generation Z's interest in using digital wallets. The method used was a quantitative survey with an online questionnaire on Google Forms in September–October 2025, involving 183 respondents. The results show that promotions, lifestyle, and data security have a positive and significant effect on interest in using digital wallets, with lifestyle being the dominant factor. These findings emphasize the importance of attractive promotional strategies, a strong digital lifestyle, and reliable data security to increase Generation Z's interest in using digital wallets in the modern financial era.

Full Text:

PDF

References

Arifin, A., Dwiyanti, N., & Muharri, M. (2025). Pengaruh Gaya Hidup, Pendapatan, Sikap Keuangan, dan Self-Control Terhadap Keputusan Penggunaan E-Wallet Pada Generasi Z. Jurnal Bisnis Mahasiswa, 5(3), 1550–1560. https://doi.org/10.60036/jbm.655

Chelvarayan, A., Yeo, S. F., Hui Yi, H., & Hashim, H. (2022). E-Wallet: A Study on Cashless Transactions Among University Students. F1000Research, 11(June), 687. https://doi.org/10.12688/f1000research.73545.1

Galang, J., & Ramdhan, H. (2022). Analysis of the Acceptance Level of E-Wallet as a Non-Cash Payment Method among Indonesian Students Juan. Jl. Arjuna Utara, 5(9), 67–75. http://aptikom-journal.id/index.php/itsdi/article/view/611

Gustantio, E. R., Setiawan, A., & Djajadikerta, H. (2024). Pengaruh Gaya Hidup Konsumtif, Financial Literacy, dan Persepsi Kemudahan Bertransaksi Terhadap Penggunaan E-Wallet Pada Generasi Z. Innovative: Journal Of Social Science Research, 4(3), 11261–11273. https://doi.org/10.31004/innovative.v4i3.11417

Kaharu & Budiarti. (2016). Pengaruh Gaya hidup dan Promosi Terhadap Keputusan Penggunaan Dompet Digital Dana di Kabupaten Karawang. Jurnal Ilmiah MEA (Manajemen, Ekonomi, dan Akuntasi), 5(1), 16. https://doi.org/10.31955/mea.v5i1.790

Lukito, S., & Khairunnisa, K. (2022). Pengaruh Persepsi Kemudahan Dan Persepsi Keamanan Terhadap Cashless Society. Jurnal Informasi Akuntansi (JIA), 1(2). https://doi.org/10.32524/jia.v1i2.588

Putra, G. P., & Julianto, I. P. (2022). Pengaruh Gaya Hidup, Promosi dan Keamanan Transaksi terhadap Keputusan Penggunaan Dompet Digital pada Generasi Z di Kabupaten Tabanan. Vokasi : Jurnal Riset Akuntansi, 10(01), 27–35. https://doi.org/10.23887/vjra.v10i01.56230

Putri, H. S., Setiyono, W. P., & Prapanca, D. (2025). Pengaruh Persepsi Keamanan , Kemudahan Penggunaan , dan Gaya Hidup Terhadap Intensitas Penggunaan E-wallet Pada Generasi Z ( Studi Pada Masyarakat Daerah Sidoarjo ). 8(3), 1085–1102.

Space, W. L. (2013). Research Methods for Business: A Skill-Building Approach. Leadership & Organization Development Journal, 34(7), 700–701. https://doi.org/10.1108/lodj-06-2013-0079

Wulandari, P., & Idayanti, R. (2023). Peran Aplikasi Dompet Digital Indonesia (DANA) dalam Memudahkan Masyarakat melakukan Pembayaran Digital. Islamic Banking and Finance, 3(2), 429–441. https://doi.org/10.30863/ibf.v3i2.5438

DOI: https://doi.org/10.46576/jfeb.v4i2.7953