PENGARUH PENGETAHUAN SISTEM INFORMASI, KUALITAS SISTEM, DAN KEAMANAN TRANSAKSI TERHADAP PENGGUNAAN E-WALLET SEBAGAI MEDIA TRANSAKSI KEUANGAN PADA GENERASI Z

Authors

  • Aditya Yoga Pratama Sekolah Tinggi Ilmu Ekonomi Mahardhika Surabaya, Indonesia
  • Amin Sadiqin Sekolah Tinggi Ilmu Ekonomi Mahardhika Surabaya, Indonesia
  • Hendra Dwi Prasetyo Sekolah Tinggi Ilmu Ekonomi Mahardhika Surabaya, Indonesia

DOI:

https://doi.org/10.63200/jebmass.v4i6.281

Keywords:

Information System Knowledge System Quality; Transaction Security

Abstract

The rapid adoption of digital financial technology, particularly e-wallets, among Generation Z as digital natives has raised the need to examine the factors influencing their use as a financial transaction medium. This research is directed at investigating how information system knowledge, system quality, and transaction security on e-wallet usage among Generation Z, in both partial and simultaneous terms. Data were gathered quantitatively by means of a survey, with questionnaires handed out to 400Generation Z respondents who use e-wallets, with data analyzed through multiple linear regression using SPSS after validity, reliability, and classical assumption tests were conducted. All three independent variables, namely information system knowledge, system quality, and transaction security, were found to significantly and positively affect e-wallet usage, through separate (t-test) and combined (F-test) testing. The Adjusted R Square of 0.163 shows that 16.3% of the variation in e-wallet usage is explained by these variables, leaving 83.7% to be shaped by external influences. Accordingly, it may be concluded that service providers and policymakers can foster greater e-wallet adoption among Generation Z by promoting digital literacy, improving service quality, and reinforcing system security.

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Published

2026-09-29

How to Cite

Aditya, Amin, & Hendra. (2026). PENGARUH PENGETAHUAN SISTEM INFORMASI, KUALITAS SISTEM, DAN KEAMANAN TRANSAKSI TERHADAP PENGGUNAAN E-WALLET SEBAGAI MEDIA TRANSAKSI KEUANGAN PADA GENERASI Z. JOURNAL OF ECONOMICS, BUSINESS, MANAGEMENT, ACCOUNTING AND SOCIAL SCIENCES, 4(6), 23–31. https://doi.org/10.63200/jebmass.v4i6.281

Issue

Vol. 4 No. 6 (2026): SEPTEMBER 2026

Section

Articles

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Copyright (c) 2026 Aditya Yoga Pratama; Amin Sadiqin, Hendra Dwi Prasetyo

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This work is licensed under a Creative Commons Attribution 4.0 International License.

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