Investigating E-Wallet Adoption Among Gen Z Students: Determinants of Behavioral Intention and Actual Use

Ditya Permatasari, Ditya ORCID: https://orcid.org/0000-0002-5742-546X (2025) Investigating E-Wallet Adoption Among Gen Z Students: Determinants of Behavioral Intention and Actual Use. Journal of Enterprise and Development (JED), 7 (1). pp. 192-205. ISSN 2715-3118

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Abstract

Purpose: The primary objective of this study is to examine the determinants influencing individuals’ intentions to adopt digital financial technology, specifically within the context of e-wallet systems.
Method: This research employs a quantitative approach, utilizing the Structural Equation Modeling (SEM) framework. A purposive sampling technique was applied to select 216 Generation Z students residing in Malang City as the representative sample.
Result: The findings indicate that the behavioral intention to use e-wallets among Generation Z students is significantly shaped by four key factors: perceived usefulness, perceived ease of use, perceived trust, and perceived security. These factors exhibit a synergistic effect in shaping individuals' decisions to adopt e-wallets as digital transaction tools. Furthermore, these factors substantially influence the actual use of e-wallet systems, reflecting the extent to which this technology has been accepted and integrated into the daily lives of Generation Z students.
Practical Implications for Economic Growth and Development: This study contributes to economic growth by promoting financial inclusion, enhancing transaction efficiency, and supporting the digitalization of micro, small, and medium-sized enterprises (MSMEs) through the adoption of e-wallets by Generation Z students. Additionally, the increasing utilization of digital payment systems fosters investment opportunities within the fintech sector, thereby encouraging innovation and sustainable economic development.

Item Type:	Journal Article
Keywords:	Perceived Usefulness, Perceived Ease of Use, Perceived Trust, Perceived Security, Behavioral Intention to Use, Actual System Use
Subjects:	14 ECONOMICS > 1499 Other Economics > 149999 Economics not elsewhere classified
Divisions:	Faculty of Economics > Department of Accounting
Depositing User:	Ditya Permatasari Subandi
Date Deposited:	01 Dec 2025 10:51

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