Determining Factors of Digital Wallet Usage

Mn, Nuryasman; Warningsih, Sukis

doi:10.24912/jm.v25i2.740

Cited by 7 publications

(8 citation statements)

References 38 publications

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“…In addition, the implication can also provide information to the OVO company that the more features and benefits that can be provided by OVO, the higher the interest in using OVO from someone. These findings are supported by research conducted by [9] which says that ShopeePay can maximize the productivity of its users so that perceived usefulness influences behavioral intention in using Shopeepay.…”

Section: Discussionsupporting

confidence: 56%

Section: Introductionmentioning

confidence: 99%

“…In addition, research conducted by [9] reveals that perceived usefulness has a positive effect on intentions to use digital payments. Perceived usefulness refers to the advantages or benefits that users will get from using certain services or applications [9]. There are also results from research conducted by [11] showing that perceived ease of use and perceived usefulness affect the intention to use.…”

Section: Introductionmentioning

confidence: 99%

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The Effect of Social Influence, Perceived Usefulness, and Financial Risk on Intention in Using OVO

Tiffany,

2023

ijaeb

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The purpose of this study was to examine the effect of social influence, perceived usefulness and financial risk, as well as age-moderated social influence on the behavioural intention in using OVO from Universitas Tarumanagara students. This study uses data collected from 68 respondents. The method used in this study is cross-sectional with a sample selection technique using purposive sampling. The data in this study were obtained by distributing online questionnaires which were then processed using SmartPLS software version 3.3.3. The results of this study are that social influence and perceived usefulness have a positive influence on behavioural intention in using OVO, and age successfully moderates social influence on behavioural intention in using OVO. Meanwhile, financial risk has no effect on behavioural intention in using OVO.

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Section: Discussionsupporting

confidence: 56%

Section: Introductionmentioning

confidence: 99%

Section: Introductionmentioning

confidence: 99%

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The Effect of Social Influence, Perceived Usefulness, and Financial Risk on Intention in Using OVO

Tiffany,

2023

ijaeb

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“…The financial literacy variable is measured by general personal finance indicators, saving and borrowing, insurance, and investment (Arifin, 2017). Variable motivation is measured by indicators of self-image/firm image, social relevance, advocate recommendation, and personal financial need (Nuryasman, 2021). For personal interest using indicators that are measured through cognition, conation, and emotion (Widyaningrum, 2015).…”

Section: Methodsmentioning

confidence: 99%

Determining Factors for Young Investors to Invest in the Capital Market

Awaluddin¹,

Molina²,

Nurlia³

et al. 2023

J. Professional Business Review

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Purpose: To find out the determinants of young investors in investing in the Capital Market. Theoretical framework: Financial Literacy, Motivation, Personal Interests, Environment, and Investment Behavior. This topic was adopted from several theoretical studies and previous research which was put together as a single factor that influences the decisions of young investors in investing in the capital market. Design/methodology/approach: This study used a quantitative approach with an explanatory design using a survey method. The sample in this study is young investors aged 18-25 years who invest in stocks on the Stock Exchange with a total sample of 110 samples. This study uses a 5-point Likert scale to collect research data. Findings: The results show that 1) The independent variables of financial literacy, motivation, personal interest, environment and investment behavior simultaneously have a positive and significant effect on investment decisions with a large influence of 98%, while the remaining 2% are other factors not included in this model ; 2) The variables of financial literacy, motivation, personal interest, environment and investment behavior have a positive and significant partial effect on investment decisions; 3) the motivational variable is the dominant determining factor while the minimum is financial literacy. Research, Practical & Social implications: We recommend a future research agenda related to investment diversification and investor retention as a result of investment decisions to become a unified role model. Originality/value: Most of the previous studies have only partially used variables and none have broken down investors by age. However, a thorough and complete analysis of these factors along with the specifications of investors, especially young investors, is the target of the importance of our research.

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“…Learning how different variables influence the digital wallet is an important take away in terms of the relationship between finance and technology as well as future direction of the market entirely. It shows that digital wallets have managed to grow to become present day advanced platforms despite changes in technology and society [12].…”

Section: Figure 1: Digital Wallet Marketmentioning

confidence: 99%

A Comprehensive Review of Exploring the Dynamic Evolution of Digital Wallets and Currencies in the Face of Challenges, Innovation, and the Future Landscape from 2008 to 2023

Asmaa.A. Mohammed

2024

jes

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The advent of digital payments in the last few years had not only led to the proliferation of electronic wallets or e-wallets where users deposit their funds and then use them to make secured and efficient transactions. E-wallet make it as an expectation; to give the customers the concrete, safe, and efficient way to manage digital assets like cryptocurrencies, and also tends to facilitate online transactions. In essence, this paper discusses the evolution of digital wallets in the timeframe of 2008 and present, giving spotlight to the difficulties such as security and interoperability. These factors are facilitated through technological advancements, ambiguous regulations and the change in consumer behaviors. Innovative solutions provided are the latest technologies in security and establishments of joint-ventures industries, among others. Trends forecast beyond 2021 include the merging of cryptocurrencies and decentralized finance and potential threats like quantum-resistant encryption. A digital wallet consisting of a digital block and a program called "the agent" has been designed by us. This program is responsible for conducting trading operations, sending and receiving money, as well as verifying the digital currency based on the permissions granted by the issuing bank. The wallet has been encrypted using the cyclic present lightweight block cipher algorithm. The growth of electronic wallets, also known as e-wallets, has facilitated cashless, safe, and effective transactions for small business owners and customers. The research developed a technique to pinpoint the transactional structure of the digital economy's e-wallet payment system, aiming to increase public awareness of digital currency and encourage its use in online transactions.

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Determining Factors of Digital Wallet Usage

Cited by 7 publications

References 38 publications

The Effect of Social Influence, Perceived Usefulness, and Financial Risk on Intention in Using OVO

The Effect of Social Influence, Perceived Usefulness, and Financial Risk on Intention in Using OVO

Determining Factors for Young Investors to Invest in the Capital Market

A Comprehensive Review of Exploring the Dynamic Evolution of Digital Wallets and Currencies in the Face of Challenges, Innovation, and the Future Landscape from 2008 to 2023

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