Internal and External Factors Affecting the Decision to Use E-Wallet During the COVID-19 Pandemic

Wuri Purnamasari; Handayani; Ashur Harmadi; Eka Patriya

doi:doi:10.11648/j.sjbm.20221003.12

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Internal and External Factors Affecting the Decision to Use E-Wallet During the COVID-19 Pandemic

Wuri Purnamasari, Handayani, Ashur Harmadi, Eka Patriya

Published in Science Journal of Business and Management (Volume 10, Issue 3)

Received: 22 June 2022 Accepted: 11 July 2022 Published: 18 July 2022

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Abstract

The number of e-marketplaces in Indonesia continues to grow every year, along with an increase in internet users. The COVID-19 pandemic has resulted in a surge in online purchases, this is due to restrictions on activities outside the home to reduce the number of people affected by the COVID-19 virus. The increase in the number of shopping activities carried out online has given rise to various digital wallets or e-wallets with various facilities offered. It is important for companies to be able to compete by providing various offers through convenience and attractive features, as well as security guarantees for consumers to take advantage of e-wallet in their digital transactions. This study discussed consumer perceptions in deciding to use e-wallet in making digital transaction payments. The population used in this study are those who have use e-wallet in their digital transactions. The data was obtained through a questionnaire, then the classical assumption test was carried out to determine the feasibility of the statements used in the questionnaire, then the data were analyzed using multiple linear regression. The results showed that ease of use, service features, security, promotions, and trust simultaneously affect the decision to use e-wallet, this result can be a consideration for companies that issue e-wallet to be able to reach more consumers by paying attention to the following factors that influence consumer decisions in choosing the use of e-wallet.

Published in	Science Journal of Business and Management (Volume 10, Issue 3)
DOI	10.11648/j.sjbm.20221003.12
Page(s)	146-150
Creative Commons	This is an Open Access article, distributed under the terms of the Creative Commons Attribution 4.0 International License (http://creativecommons.org/licenses/by/4.0/), which permits unrestricted use, distribution and reproduction in any medium or format, provided the original work is properly cited.
Copyright	Copyright © The Author(s), 2024. Published by Science Publishing Group

Keywords

E–Wallet, Ease of Use, Promotion, Security, Service Features, Trust

References

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[2]	Pahlevi, Reza. 2022. 2022, Penjualan e-Commerce Indonesia Mencapai US$16 Miliar. Retrieved 16 Juni 2022, from https://databoks.katadata.co.id/datapublish/2018/02/12/2022-penjualan-e-commerce-indonesia-mencapai-rp-16-miliar
[3]	Pahlevi, Reza. 2022. KIC: E-Wallet Paling Sering Digunakan untuk Transaksi E-Commerce. Retrieved 16 Juni 2022, from https://databoks.katadata.co.id/datapublish/2022/06/03/kic-e-wallet-paling-sering-digunakan-untuk-transaksi -e-commerce
[4]	Aji, H. M., Berakon, I., Husin, M. M, Tan, A. W. K. (2020). COVID-19 and E-Wallet Usage Intention: A Multigroup Analysis Between Indonesia and Malaysia. Cogent Business and Management, 7 (1), pp. 1-16, https://doi.org/10.1080/23311975.2020.1804181
[5]	Prasasti, A., Aulisaina, F. I., Hakim, M. A. R. (2021). Does Discount Matter in Indonesia e-Wallet Race: A Generation Z e-Wallet Preferences During Pandemics. The Winners, 22 (1), pp. 57-65, https://doi.org/10.21512/tw.v.22il.7019
[6]	Sari, R. K., Utama, S. P., Zairina, A. (2021). The Effect of Online Shopping and E-Wallet on Consumer Impulse Buying. Asia Pacific Management and Business Application, 9 (3), pp. 231-242, DOI: 10.21776/ub.apmba.2021.009.03.3.
[7]	Ming, K. L. Y., Jais, M. (2022). Factors Affecting the Intention to Use E-Wallets During the COVID-19 Pandemic. Gadjah Mada International Journal of Business, 24 (1), pp. 82-100.
[8]	Fakhri, Faisal. (2021). Pengaruh Persepsi Kemudahan, Fitur Layanan, Keamanan, dan Daya Tarik Promosi terhadap Minat Penggunaan E-Wallet Shopeepay di Masa Pandemi COVID-19. Skripsi, Universitas Gunadarma
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[10]	Prakosa, A., and D. J. Wintaka. (2020). Analisis Faktor-faktor yang Mempengaruhi Minat Penggunaan Elang e-Wallet pada Generasi Milenial di Daerah Istimewa Yogyakarta. Bisnis dan Manajemen (The Journal of Business and Management), 3 (1), pp. 72-85.
[11]	Kusuma, A. and S. Syahputra. (2020). Pengaruh Persepsi Kemudahan dan Persepsi Manfaat terhadap Sikap Penggunaan e-Wallet di Kota Bandung. Journal of Applied Business Administration, 4 (2), pp. 108-114.
[12]	Koranti, K., and W. A. Putri. (2019). Effect Service Features, Advertising, Benefit Perceptions, Perceived Usefulness, Consumer Attitude, Security, and Risk towards Repurchase Interest of e-Money Based on OVO. Proceeding UG Economic Faculty-International Conference Gunadarma University, pp. 107-114.
[13]	Karim, M. W., Haque, A., Ulfy, M. A., Hossain, M. A., and Anis, M. Z. (2020). Factors Influencing the Use of E-Wallet as A Payment Method among Malaysian Young Adults. Journal of International Business and Management, 3 (2), pp. 1-12.
[14]	Kusnawan, A., and S. Syahputra. 2019. Pengaruh Diskon pada Aplikasi e-Wallet terhadap Pertumbuhan Minat Pembelian Impulif Konsumen Milenial di Wilayah Tangerang. Jurnal Sains Manajemen, 5 (2), pp. 137-160.
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APA Style

Wuri Purnamasari, Handayani, Ashur Harmadi, Eka Patriya. (2022). Internal and External Factors Affecting the Decision to Use E-Wallet During the COVID-19 Pandemic. Science Journal of Business and Management, 10(3), 146-150. https://doi.org/10.11648/j.sjbm.20221003.12

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ACS Style

Wuri Purnamasari; Handayani; Ashur Harmadi; Eka Patriya. Internal and External Factors Affecting the Decision to Use E-Wallet During the COVID-19 Pandemic. Sci. J. Bus. Manag. 2022, 10(3), 146-150. doi: 10.11648/j.sjbm.20221003.12

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AMA Style

Wuri Purnamasari, Handayani, Ashur Harmadi, Eka Patriya. Internal and External Factors Affecting the Decision to Use E-Wallet During the COVID-19 Pandemic. Sci J Bus Manag. 2022;10(3):146-150. doi: 10.11648/j.sjbm.20221003.12

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@article{10.11648/j.sjbm.20221003.12,
  author = {Wuri Purnamasari and Handayani and Ashur Harmadi and Eka Patriya},
  title = {Internal and External Factors Affecting the Decision to Use E-Wallet During the COVID-19 Pandemic},
  journal = {Science Journal of Business and Management},
  volume = {10},
  number = {3},
  pages = {146-150},
  doi = {10.11648/j.sjbm.20221003.12},
  url = {https://doi.org/10.11648/j.sjbm.20221003.12},
  eprint = {https://article.sciencepublishinggroup.com/pdf/10.11648.j.sjbm.20221003.12},
  abstract = {The number of e-marketplaces in Indonesia continues to grow every year, along with an increase in internet users. The COVID-19 pandemic has resulted in a surge in online purchases, this is due to restrictions on activities outside the home to reduce the number of people affected by the COVID-19 virus. The increase in the number of shopping activities carried out online has given rise to various digital wallets or e-wallets with various facilities offered. It is important for companies to be able to compete by providing various offers through convenience and attractive features, as well as security guarantees for consumers to take advantage of e-wallet in their digital transactions. This study discussed consumer perceptions in deciding to use e-wallet in making digital transaction payments. The population used in this study are those who have use e-wallet in their digital transactions. The data was obtained through a questionnaire, then the classical assumption test was carried out to determine the feasibility of the statements used in the questionnaire, then the data were analyzed using multiple linear regression. The results showed that ease of use, service features, security, promotions, and trust simultaneously affect the decision to use e-wallet, this result can be a consideration for companies that issue e-wallet to be able to reach more consumers by paying attention to the following factors that influence consumer decisions in choosing the use of e-wallet.},
 year = {2022}
}

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TY  - JOUR
T1  - Internal and External Factors Affecting the Decision to Use E-Wallet During the COVID-19 Pandemic
AU  - Wuri Purnamasari
AU  - Handayani
AU  - Ashur Harmadi
AU  - Eka Patriya
Y1  - 2022/07/18
PY  - 2022
N1  - https://doi.org/10.11648/j.sjbm.20221003.12
DO  - 10.11648/j.sjbm.20221003.12
T2  - Science Journal of Business and Management
JF  - Science Journal of Business and Management
JO  - Science Journal of Business and Management
SP  - 146
EP  - 150
PB  - Science Publishing Group
SN  - 2331-0634
UR  - https://doi.org/10.11648/j.sjbm.20221003.12
AB  - The number of e-marketplaces in Indonesia continues to grow every year, along with an increase in internet users. The COVID-19 pandemic has resulted in a surge in online purchases, this is due to restrictions on activities outside the home to reduce the number of people affected by the COVID-19 virus. The increase in the number of shopping activities carried out online has given rise to various digital wallets or e-wallets with various facilities offered. It is important for companies to be able to compete by providing various offers through convenience and attractive features, as well as security guarantees for consumers to take advantage of e-wallet in their digital transactions. This study discussed consumer perceptions in deciding to use e-wallet in making digital transaction payments. The population used in this study are those who have use e-wallet in their digital transactions. The data was obtained through a questionnaire, then the classical assumption test was carried out to determine the feasibility of the statements used in the questionnaire, then the data were analyzed using multiple linear regression. The results showed that ease of use, service features, security, promotions, and trust simultaneously affect the decision to use e-wallet, this result can be a consideration for companies that issue e-wallet to be able to reach more consumers by paying attention to the following factors that influence consumer decisions in choosing the use of e-wallet.
VL  - 10
IS  - 3
ER  -

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Author Information

Wuri Purnamasari

Department of Management, Universitas Gunadarma, Jakarta, Indonesia
Handayani

Department of Management, Universitas Gunadarma, Jakarta, Indonesia
Ashur Harmadi

Department of Management, Universitas Gunadarma, Jakarta, Indonesia
Eka Patriya

Department of Management, Universitas Gunadarma, Jakarta, Indonesia

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Plain Text BibTeX RIS

APA Style

Wuri Purnamasari, Handayani, Ashur Harmadi, Eka Patriya. (2022). Internal and External Factors Affecting the Decision to Use E-Wallet During the COVID-19 Pandemic. Science Journal of Business and Management, 10(3), 146-150. https://doi.org/10.11648/j.sjbm.20221003.12

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ACS Style

Wuri Purnamasari; Handayani; Ashur Harmadi; Eka Patriya. Internal and External Factors Affecting the Decision to Use E-Wallet During the COVID-19 Pandemic. Sci. J. Bus. Manag. 2022, 10(3), 146-150. doi: 10.11648/j.sjbm.20221003.12

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AMA Style

Wuri Purnamasari, Handayani, Ashur Harmadi, Eka Patriya. Internal and External Factors Affecting the Decision to Use E-Wallet During the COVID-19 Pandemic. Sci J Bus Manag. 2022;10(3):146-150. doi: 10.11648/j.sjbm.20221003.12

Copy | Download

@article{10.11648/j.sjbm.20221003.12,
  author = {Wuri Purnamasari and Handayani and Ashur Harmadi and Eka Patriya},
  title = {Internal and External Factors Affecting the Decision to Use E-Wallet During the COVID-19 Pandemic},
  journal = {Science Journal of Business and Management},
  volume = {10},
  number = {3},
  pages = {146-150},
  doi = {10.11648/j.sjbm.20221003.12},
  url = {https://doi.org/10.11648/j.sjbm.20221003.12},
  eprint = {https://article.sciencepublishinggroup.com/pdf/10.11648.j.sjbm.20221003.12},
  abstract = {The number of e-marketplaces in Indonesia continues to grow every year, along with an increase in internet users. The COVID-19 pandemic has resulted in a surge in online purchases, this is due to restrictions on activities outside the home to reduce the number of people affected by the COVID-19 virus. The increase in the number of shopping activities carried out online has given rise to various digital wallets or e-wallets with various facilities offered. It is important for companies to be able to compete by providing various offers through convenience and attractive features, as well as security guarantees for consumers to take advantage of e-wallet in their digital transactions. This study discussed consumer perceptions in deciding to use e-wallet in making digital transaction payments. The population used in this study are those who have use e-wallet in their digital transactions. The data was obtained through a questionnaire, then the classical assumption test was carried out to determine the feasibility of the statements used in the questionnaire, then the data were analyzed using multiple linear regression. The results showed that ease of use, service features, security, promotions, and trust simultaneously affect the decision to use e-wallet, this result can be a consideration for companies that issue e-wallet to be able to reach more consumers by paying attention to the following factors that influence consumer decisions in choosing the use of e-wallet.},
 year = {2022}
}

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TY  - JOUR
T1  - Internal and External Factors Affecting the Decision to Use E-Wallet During the COVID-19 Pandemic
AU  - Wuri Purnamasari
AU  - Handayani
AU  - Ashur Harmadi
AU  - Eka Patriya
Y1  - 2022/07/18
PY  - 2022
N1  - https://doi.org/10.11648/j.sjbm.20221003.12
DO  - 10.11648/j.sjbm.20221003.12
T2  - Science Journal of Business and Management
JF  - Science Journal of Business and Management
JO  - Science Journal of Business and Management
SP  - 146
EP  - 150
PB  - Science Publishing Group
SN  - 2331-0634
UR  - https://doi.org/10.11648/j.sjbm.20221003.12
AB  - The number of e-marketplaces in Indonesia continues to grow every year, along with an increase in internet users. The COVID-19 pandemic has resulted in a surge in online purchases, this is due to restrictions on activities outside the home to reduce the number of people affected by the COVID-19 virus. The increase in the number of shopping activities carried out online has given rise to various digital wallets or e-wallets with various facilities offered. It is important for companies to be able to compete by providing various offers through convenience and attractive features, as well as security guarantees for consumers to take advantage of e-wallet in their digital transactions. This study discussed consumer perceptions in deciding to use e-wallet in making digital transaction payments. The population used in this study are those who have use e-wallet in their digital transactions. The data was obtained through a questionnaire, then the classical assumption test was carried out to determine the feasibility of the statements used in the questionnaire, then the data were analyzed using multiple linear regression. The results showed that ease of use, service features, security, promotions, and trust simultaneously affect the decision to use e-wallet, this result can be a consideration for companies that issue e-wallet to be able to reach more consumers by paying attention to the following factors that influence consumer decisions in choosing the use of e-wallet.
VL  - 10
IS  - 3
ER  -

Copy | Download