Driving Intention to Use Dana E-Wallet: The Role of Perceived Ease of Use, Perceived Usefulness, Trust, and Perceived Security
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The rapid growth of fintech has shifted society toward cashless transactions, making e-wallets a preferred digital payment method valued for their ease of use and usefulness. In Banyumas, the rising digital payment adoption alongside growing fraud cases has made trust and security central to e-wallet intention. This study aims to analyze the effect of Perceived Ease of Use, Perceived Usefulness, Trust, and Perceived Security on the Intention to Use the DANA e-wallet in Banyumas. This study employs a quantitative approach based on the Technology Acceptance Model (TAM) with a purposive sampling method. The population in this study is the people of Banyumas who are already familiar with the DANA e-wallet. The sample size was determined using G*Power analysis, which yielded a minimum of 85 respondents, and increased to 130 respondents to enhance statistical power and data accuracy. Data were collected through an online questionnaire using a five-point Likert scale. Data analysis was conducted using Structural Equation Modeling (SEM) with the Partial Least Square (PLS) approach through SmartPLS 3. The results show that Trust and Perceived Security have a positive and significant effect on Intention to Use. However, the variables Perceived Ease of Use and Perceived Usefulness were found to have no significant effect on the intention to use. These findings indicate that trust and security are the main factors driving people in Banyumas to use the DANA e-wallet, while ease of use and usefulness are no longer primary considerations.
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