Model Kausalitas Intention to Continue Using E-Wallet Dana: Perceived Ease of Use, Perceived Security, dan User Satisfaction
DOI:
https://doi.org/10.62710/yac4dw27Keywords:
DANA, E-wallet, Intention to Continue, Perceived Ease of Use, Perceived Security, User SatisfactionAbstract
This study aims to analyze the influence of perceived ease of use, Perceived Security, and User Satisfaction on the Intention to Continue Using the DANA e-wallet. The research is motivated by the growing use of e-wallets in Indonesia, particularly DANA, which calls for a deeper understanding of the factors influencing user loyalty and continued usage. This study employs a quantitative approach using a survey method and an instrument in the form of a questionnaire distributed online to active DANA users in the DKI Jakarta area. The data were analyzed using Structural Equation Modeling (SEM) with the help of SmartPLS software. The results show that Perceived Ease of Use and Perceived Security have a positive and significant effect on user satisfaction. Furthermore, User Satisfaction is proven to have a positive and significant effect on the Intention to Continue Using the DANA e-wallet. These findings highlight the importance of ease of use and a sense of security in enhancing User Satisfaction and encouraging continued use of e-wallet services.
Downloads
References
Aprilia, C., & Amalia, R. (2022). How Perceived Security Influences Continuance Intention to Use Mobile Wallet. Jurnal Minds: Manajemen Ide dan Inspirasi, 9(2), 271–288.
Aprilia, P., & Al Sukri, S. (2025, April). Analsisis Pengaruh Perceived Ease of Use, E-Service Quality dan Data Security terhadap Kepuasan Pengguna Aplikasi E-Wallet Dana di Kota Pekanbaru. In FORUM EKONOMI: Jurnal Ekonomi, Manajemen dan Akuntansi (Vol. 27, No. 2, pp. 340-350). DOI: https://doi.org/10.30872/jfor.v27i2.2689
Ariel, J., & Iriyanti, I. (2023). Analisis Faktor-Faktor Yang Memengaruhi Niat Penggunaan Berkelanjutan E-Wallet. Jurnal Manajemen dan Usahawan Indonesia, 46(2), 4.
Ariningsih, E. P., Wijayanti, & Prasaja, M. G. (2022). Intention to use e-wallet dilihat dari perceived usefulness, perceived ease of use, Perceived Security, dan trust. Jurnal Maksipreneur: Manajemen, Koperasi, dan Entrepreneurship, 11(2), 227–238.
Berliana, C., & Sanaji. (2022). Pengaruh e-service quality, e-trust, dan commitment terhadap e-loyalty dengan e-satisfaction sebagai variabel mediasi. Management Studies and Entrepreneurship Journal, 3(4), 2397–2413.
Chand, K., Tiwari, R., Gupta, A., Taneja, S., & Özen, E. (2025). How does Perceived Security influence mobile wallet users' behavior? A SEM investigation. Managerial Finance, 51(1), 146–165.
Chusnah, C., & Indriana, K. T. (2021). Pengaruh kemudahan dan keamanan terhadap kepuasan konsumen fintech. Kinerja, 3(1), 111–122. https://doi.org/10.34005/kinerja.v3i1.1280
Danang, A. A. (2024). Pengaruh persepsi keamanan, persepsi kemudahan penggunaan dan kualitas layanan terhadap kepuasan konsumen pengguna e-wallet DANA dalam perspektif bisnis islam (Studi pada pengguna e-wallet DANA di Kota Bandar Lampung) (Doctoral dissertation, UIN Raden Intan Lampung).
FD Davis, “Perceived usefulness, perceived ease of use, and user acceptance of information technology,” MIS Q. , vol. 13, no. 3, pp. 319–339, 1989,
Filieri, R., Acikgoz, F., Ndou, V., & Dwivedi, Y. (2021). Is TripAdvisor still relevant? The influence of review credibility, review usefulness, and ease of use on consumers’ continuance intention. International Journal of Contemporary Hospitality Management, 33(1), 199–223. https://doi.org/10.1108/IJCHM-05-2020-0402
FS Sudono, M. Adiwijaya, and H. Siagian, "The Influence of Perceived Security and Perceived Enjoyment on Intention To Use with Attitude Towards Use as Intervening Variable on Mobile Payment Customers in Surabaya," Petra Int. J. Bus. Stud. , vol. 3, no. 1, pp. 37–46, 2020, doi: 10.9744/ijbs.3.1.37-46
H. Siagian, ZJH Tarigan, SR Basana, and R. Basuki, "The effect of Perceived Security, perceived ease of use, and perceived usefulness on consumer behavioral intention through trust in digital payment platforms," Int. J. Data Netw. Sci. , vol. 6, no. 3, pp. 861–874, 2022, doi: 10.5267/j.ijdns.2022.2.010.
Hair Jr, J. F., Matthews, L. M., Matthews, R. L., & Sarstedt, M. (2017). PLSSEM or CB-SEM: updated guidelines on which method to use. International Journal of Multivariate Data Analysis, 1(2), 107-123.
Heryanti, A. H. (2023). Pengaruh kualitas layanan aplikasi DANA terhadap kepuasan pelanggan dalam melakukan transaksi secara online sebagai alat pembayaran elektronik (e-payment). Journal on Education, 5(3), 8080–8096.
Himawati, D., & Firdaus, M. F. (2021). Pengaruh word of mouth dan manfaat terhadap keputusan menggunakan e-wallet DANA melalui kepercayaan pelanggan di Jabodetabek. INOBIS: Jurnal Inovasi Bisnis dan Manajemen Indonesia, 4(3), 424–436. https://doi.org/10.31842/jurnalinobis.v4i3.194
Huseynov, F., & Yıldırım, S. Ö. (2016). Internet users’ attitudes toward business-to-consumer online shopping: A survey. Information Development, 32(3), 452–465. https://doi.org/10.1177/0266666914554812
Irsyad, M., & Hapsari, M. I. (2023). Pengaruh Persepsi Kemudahan Penggunaan, Risiko, dan Promosi terhadap Niat Menggunakan QRIS sebagai Alat Pembayaran Digital. Jurnal Manajemen dan Pelayanan Publik Kreatif, 3(1), 82–91.
Islamiah, D. (2024). Pengaruh perceived ease of use, Perceived Security, perceived privacy security, dan perceived reputation terhadap kepercayaan awal pemberi pinjaman pada platform P2P lending (Doctoral dissertation, Universitas Islam Negeri Maulana Malik Ibrahim).
Isrososiawan, S., Hurriyati, R., & Dirgantari, P. D. (2019). The Influence of Perceived Ease of Use and Perceived Usefulness on the Use of DANA E-Wallet Application among Postgraduate Students. Jurnal Manajemen Teknologi, 18(3), 45–56.
Kesuma, P., & Nurbaiti, N. (2023). Minat menggunakan e-wallet DANA di kalangan mahasiswa di Kota Medan. Jesya, 6(1), 694–703. https://doi.org/10.36778/jesya.v6i1.979
Kinanti, D. T., & Rahmiati, R. (2023). Perceived risk, trustworthiness, and security in E-wallet adoption: a study of DANA in West Sumatra. Marketing Management Studies, 3(3).
Kumala, D. C., Pranata, J. W., & Thio. (2020). Pengaruh perceived usefulness, perceived ease of use, trust, dan security terhadap minat penggunaan GoPay pada Generasi X di Surabaya. Jurnal Manajemen Perhotelan, 6(1), 19–29.
Lalujan, V. V., & Rahardja, Y. (2023). Analisis tingkat kepuasan pengguna layanan e-wallet DANA menggunakan metode PIECES. Journal of Information Technology Ampera, 4(3), 207-221.
Lestari, S., & Indriana, K. T. (2021). Pengaruh kemudahan dan keamanan terhadap kepuasan konsumen fintech (Studi kasus pada pengguna aplikasi DANA). Al-Misbah, 2(1), 66–80.
Liana, E., & Fadli, J. A. (2023). Effect Of Ease Of Use Of Application, E-Service Quality And Benefit Perception Of E-Wallet Application On Customer Satisfaction. https://doi.org/10.37641/jimkes.v11i3.2312
Lubis, N. R., Rahma, T. I. F., & Inayah, N. (2022). Pengaruh pekerjaan, pendidikan dan pendapatan terhadap keputusan masyarakat dalam menggunakan layanan fintech berbasis online (Studi kasus masyarakat Kota Medan). JIKEM: Jurnal Ilmu Komputer, Ekonomi dan Manajemen, 2(2), 3438–3445.
M. Olivia and NK Marchyta, "The Influence of Perceived Ease of Use and Perceived Usefulness on E-Wallet Continuance Inten-tion," J. Tek. Ind. , vol. 24, no. 1, pp. 13–22, 2022, doi: 10.9744/jti.24.1.13-22
Malik, A. N. A., & Annuar, S. N. S. (2021). The effect of perceived usefulness, perceived ease of use, reward, and perceived risk toward e-wallet usage intention. In M. H. Bilgin, H. Danis, & E. Demir (Eds.), Eurasian Business and Economics Perspectives (Vol. 17, pp. 115–130). Springer. https://doi.org/10.1007/978-3-030-65147-3_8
Malik, A. N. A., Annuar, S. N. S., Yacob, Y., Pakasa, U. I., Ali, J. K., Gregory, M., Enchas, C. A., Shamsuddin, N. E., & Nyandang, J. (2023). The Effect of Perceived Usefulness, Perceived Ease of Use, Perceived Risk, and Reward Towards E-wallet Usage Intention: A Moderating Role of Trust. International Journal of Academic Research in Business and Social Sciences, 13(9), 1699–1714. https://doi.org/10.6007/IJARBSS/v13-i9/17879
Marhaendra, A. N., & Mahyuzar, H. (2023). Keamanan terhadap kepuasan pada pengguna e-wallet DANA di Kebumen. Journal of Digital Business and Management, 2(2), 84–90. https://doi.org/10.32639/jdbm.v2i2.400
Melinda, E., Usman, O., & Aditya, S. (2023). The effect of e-service quality and e-trust on e-loyalty with e-satisfaction as an intervening for mobile banking user. Jurnal Dinamika Manajemen dan Bisnis, 6(1), 80–96. https://doi.org/10.21009/JDMB.06.1.6
Meyta Dewi, G. M., Joshua, L., Ikhsan, R. B., Yuniarty, Y., Sari, R. K., & Susilo, A. (2021). Perceived risk and trust in adoption e-wallet: The role of perceived usefulness and ease of use. 2021 International Conference on Information Management and Technology (ICIMTech), 120–124. https://doi.org/10.1109/ICIMTech53080.2021.9535033
Munawar, A. H., Subrata, A., & Nugraha, C. S. (2023). Kontribusi financial technology (fintech) payment terhadap perilaku manajemen keuangan pada masa pandemi COVID-19 di Kota Banjar. Inovasi: Jurnal Ekonomi, Keuangan dan Manajemen, 19(3), 798–807. https://doi.org/10.30872/jinv.v19i3.13340
Narendrar, N. A., Suseno, J. E., & Nugraheni, D. M. K. (2023). Factors Influencing Interest in Continuing Use of e-Wallet Using the Technology Acceptance Model and Task-Technology FIT. Mimbar Ilmu, 28(2), 221–230. https://doi.org/10.23887/mi.v28i2.61228
Naufaldi, I., & Tjokrosaputro, M. (2020). Pengaruh perceived ease of use, perceived usefulness, dan trust terhadap intention to use. Jurnal Manajerial dan Kewirausahaan, 2(3), 715–722.
Nguyen, T. D., & Huynh, P. A. (2018). The roles of perceived risk and trust on e-payment adoption. In L. H. Anh, L. S. Dong, V. Kreinovich, & N. N. Thach (Eds.), Econometrics for Financial Applications (Vol. 760, pp. 926–940). Springer. https://doi.org/10.1007/978-3-319-73150-6_68
Novira, D., Utomo, H. S., & Mulyanto, I. H. (2023). Influence of Perceived Ease of Use and Perceived Usefulness towards Continuance Intention with Customer Satisfaction as Intervening Variable: A Study of Startup Companies Using e-Wallet. Journal of Business Management and Economic Development, 2(02). https://doi.org/10.59653/jbmed.v2i02.669
Novira, D., Utomo, H. S., & Mulyanto, I. H. (2024). Influence of Perceived Ease of Use and Perceived Usefulness towards Continuance Intention with Customer Satisfaction as Intervening Variable: A Study of Startup Companies Using E-Wallet. Journal of Business Management and Economic Development, 2(2), 602–614.
Nugroho, A., Siagian, H., Oktavio, A., & Tarigan, Z. J. H. (2023). The effect of e-WOM on customer satisfaction through ease of use, perceived usefulness and e-wallet payment. International Journal of Data and Network Science, 7(1), 153–162. https://doi.org/10.5267/j.ijdns.2022.11.007
Pratiwi, A., & Lawita, N. F. (2024). Analysis of Factors Affecting Intention Sustainability of E-Wallet Fund Adoption in Post Batam City Covid-19 Era Using the UTAUT2 Model. Proceedings of the 4th International Conference on Management, Business, and Economics (ICMBE 2023), 126, 707–714.
Pringgadini, S. A., & Basiya, R. (2022). Pengaruh kepercayaan, Perceived Security, dan risiko terhadap minat penggunaan e-payment Pospay. [Studi Kasus].
Rahayu, I., & Prasetyatama, G. (2022). Determinants of the Intention to Continue Using E–Wallet During the COVID–19 Pandemic. Journal of Contemporary Accounting, 3(2), 1–10. https://doi.org/10.20885/jca.vol3.iss2.art1
Saputra, R., & Ridhaningsih, F. (2025). The influence of Perceived Ease of Use and Perceived Security regarding continuance intention to use E-Wallet Dana with hedonic value as a mediating variable (case study on students of Padang State University). International Journal of Economics and Management Research, 4(1), 316–328. https://doi.org/10.55606/ijemr.v4i1.316
Saragih, H. S., & Mulyadi, D. (2024). Faktor-Faktor yang Mempengaruhi Niat Penggunaan E-wallet pada Generasi Milenial dan Z. Paraplu: Jurnal Pengembangan Pembelajaran dan Inovasi, 5(1), 9–18.
Setiawan, A., Maria, B., Endriyati, F. E., Wijanarko, M. F., & Marliya, S. (2022). Model Kepuasan Pengguna Aplikasi E-Wallet Dana. Jurnal Kewarganegaraan, 6(4), 6865-6874.
Singh, N., Sinha, N., & Liébana-Cabanillas, F. J. (2020). Determining factors in the adoption and recommendation of mobile wallet services in India: Analysis of the effect of innovativeness, stress to use and social influence. International Journal of Information Management, 50, 191–205. https://doi.org/10.1016/j.ijinfomgt.2019.05.022
Subhaktiyasa, P. G. (2024). Menentukan Populasi dan Sampel: Pendekatan Metodologi Penelitian Kuantitatif dan Kualitatif. Jurnal Ilmiah Profesi Pendidikan, 9(4), 2721-2731. https://doi.org/10.29303/jipp.v9i4.2657
Surbakti, G. O., Ginting, P., & Rini, E. S. (2024, July). The Effect of Perceived Ease of use, Perceived Security, and E-Trust on user Satisfaction. In Proceeding Medan International Conference on Economic and Business (Vol. 2, pp. 819-827). DOI: https://doi.org/10.30596/miceb.v2i0.715
Tay, L. K. L., et al. (2022). The Continuous Intention to Use E-Wallet in the Post Covid-19 Era. Advances in Economics, Business and Management Research, 656–662.
Umam, M. K., & Puspawati, D. (2024). Continuance Use Intention in the Use of E-Wallets by Using the Expectation Confirmation Model Through E-Satisfaction. Dinasti International Journal of Economics, Finance & Accounting, 5(5), 4815–4825.
Waruwu, M., Pu`at, S. N., Utami, P. R. ., Yanti, E. ., & Rusydiana, M. . (2025). Metode Penelitian Kuantitatif: Konsep, Jenis, Tahapan dan Kelebihan. Jurnal Ilmiah Profesi Pendidikan, 10(1), 917–932. https://doi.org/10.29303/jipp.v10i1.3057
Downloads
Published
Issue
Section
License
Copyright (c) 2025 Argy Wahyu Prabowo, Umi Widyastuti, Diena Noviarini (Author)

This work is licensed under a Creative Commons Attribution-NonCommercial-ShareAlike 4.0 International License.