E-wallet: Ease and risk perception of student transactions

Abstract

 This study aims to determine the effect of perceived convenience and perceived risk on interest in using e-wallets on Sharia Economics students of UI Bunga Bangsa Cirebon. E-wallets have become an application needed in everyday life, but consumers often view them as risky. This perception can affect interest in using e-wallets. This research uses quantitative methods with 41 respondents who are 5th semester Sharia Economics students of UI Bunga Bangsa Cirebon. Data processing using one sample t-test and person product moment. The t-test results show that variable X1 has a high average value of 13.88. While the X2 variable has a low average value of 9.54. From the person product moment analysis, it is found that the X1 variable on Y has a strong and positive correlation with a value of (0.666), which means that the relationship between the perceived convenience variable and interest in use has a strong and significant influence . While the X2 variable on Y has a very low and negative correlation with a value of (-0.069), meaning that the perceived risk variable with interest in using has a weak relationship and has no significant effect. Then based on the results of the F test, the F-count of 16,329 is greater than the F table of 3,245. So between perceived convenience and perceived risk simultaneously affect the interest in using e-wallets.