Nisvirani, Shellya Anggun (2025) The effect of financial literacy, financial technology usage, and perceived ease of use on e- wallet usage decisions among students of the development economics department, feb universitas negeri malang / Shellya Anggun Nisvirani</p>. Diploma thesis, Universitas Negeri Malang.
Full text not available from this repository.Abstract
This research explores the extent to which financial literacy financial technology and perceived ease of application influence students decisions to adopt e-wallets. The study adopts a quantitative approach with an explanatory research design. A total of 153 active students from the 2022 cohort of the Development Economics Department Faculty of Economics and Business Universitas Negeri Malang who have previously used e-wallets were selected using a simple random sampling method. Data were collected through tests and questionnaires and analyzed using multiple linear regression with SPSS version 25. The findings reveal that individually financial technology usage and perceived ease of application have a significantly positive impact on students decisions to use e-wallets. In contrast financial literacy exerts a significant negative influence. Simultaneously all three variables significantly affect usage decisions. The determination coefficient (R sup2 ) of 0.768 indicates that 76.8% of the variance in usage decisions can be explained by these three factors. These results highlight the essential role of ease of use and technological factors in promoting e-wallet adoption among university students.
| Item Type: | Thesis (Diploma) |
|---|---|
| Subjects: | H Social Sciences > HG Finance |
| Divisions: | Fakultas Ekonomi dan Bisnis (FEB) > Departemen Ekonomi Pembangunan (EKP) > S1 Pendidikan Ekonomi |
| Depositing User: | library UM |
| Date Deposited: | 26 Sep 2025 04:29 |
| Last Modified: | 09 Sep 2025 03:00 |
| URI: | http://repository.um.ac.id/id/eprint/438299 |
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