Analisis Faktor-Faktor Yang Memengaruhi Minat Penggunaan E-Wallet Pada Mahasiswa: Perspektif Kemudahan Dan Fitur Layanan

Abstract

The rapid development of financial technology (fintech), particularly electronic wallets (e-wallets), has transformed payment methods among university students. This study analyzes the factors influencing students' interest in using e-wallets, focusing on the perspectives of convenience and service features. A quantitative approach with an associative research design was employed. Data were collected through a questionnaire distributed to 67 students of STAI Darul Ulum Banyuwangi, selected using purposive sampling. Multiple linear regression analysis was used to test the hypotheses. The results indicate that both convenience and service features have a positive and significant effect on students' interest in using e-wallets, both partially and simultaneously. The service features variable was found to be the more dominant factor. These findings provide empirical insights for e-wallet providers to enhance their service features and maintain user-friendliness to boost user interest, particularly within the student segment.