Pengaruh Inovasi Teknologi dan Keamanan Data terhadap Keputusan Penggunaan E-Wallet Dana Melalui Literasi Keuangan Digital pada Generasi Z Fakultas Ekonomi dan Bisnis Universitas Bhayangkara Jakarta Raya
DOI:
https://doi.org/10.38035/snefr.v2i2.958Kata Kunci:
Inovasi Teknologi, Keamanan Data, Literasi Keuangan Digital, Keputusan Penggunaan, DanaAbstrak
Perkembangan teknologi keuangan digital telah mendorong meningkatnya penggunaan electronic wallet, namun keputusan penggunaan masih dipengaruhi oleh berbagai faktor, seperti inovasi teknologi, keamanan data, dan literasi keuangan digital. Penelitian ini bertujuan menganalisis pengaruh inovasi teknologi dan keamanan data terhadap keputusan penggunaan electronic wallet Dana melalui literasi keuangan digital pada Generasi Z Fakultas Ekonomi dan Bisnis Universitas Bhayangkara Jakarta Raya. Penelitian menggunakan pendekatan kuantitatif dengan teknik purposive sampling terhadap 150 responden pengguna Dana. Data dikumpulkan melalui penyebaran kuesioner dan dianalisis menggunakan metode Structural Equation Modeling–Partial Least Squares. Hasil penelitian menunjukkan bahwa inovasi teknologi dan keamanan data berpengaruh positif dan signifikan terhadap literasi keuangan digital. Inovasi teknologi, keamanan data, dan literasi keuangan digital juga berpengaruh positif dan signifikan terhadap keputusan penggunaan. Selain itu, literasi keuangan digital terbukti mampu memediasi pengaruh inovasi teknologi dan keamanan data terhadap keputusan penggunaan electronic wallet Dana. Temuan ini menunjukkan bahwa peningkatan inovasi teknologi, keamanan data, dan literasi keuangan digital berperan penting dalam mendorong keputusan penggunaan layanan keuangan digital, khususnya electronic wallet Dana pada Generasi Z.
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