The Influence of Perceived Usefulness, Perceived Ease of Use, and Trust in Dana E-Wallet on Students' Interest in Shopping at MSMEs in Sumbawa Besar

Muhammad Najib Rabbani; Wilia Ismiyarti

doi:10.61536/escalate.v4i01.443

Authors

Muhammad Najib Rabbani Sumbawa University of Technology
Wilia Ismiyarti Sumbawa University of Technology

DOI:

https://doi.org/10.61536/escalate.v4i01.443

Keywords:

Perceived Usefulness, Perceived Ease Of Use, Purchase Intention, Trust

Abstract

This study aims to analyze the effect of Perceived Usefulness, Perceived Ease of Use, and Trust on students' purchase intention in using the DANA e-wallet for transactions at micro, small, and medium enterprises (MSMEs) in Sumbawa Besar. This research employed a quantitative approach with a total sample of 190 respondents consisting of university students who are DANA e-wallet users in Sumbawa Besar Regency. The sampling technique used was purposive sampling, with criteria limited to students who had previously used the DANA e-wallet for MSME transactions. The results indicate that Perceived Usefulness and Trust have a positive and significant effect on students' purchase intention, while Perceived Ease of Use shows a positive but not statistically significant effect when tested partially. Simultaneously, Perceived Usefulness, Perceived Ease of Use, and Trust have a significant effect on purchase intention toward MSMEs in Sumbawa Besar. These findings suggest that students' purchase intention is more strongly influenced by perceived functional benefits and trust in the digital payment system rather than by ease of use alone. This condition is consistent with the current phenomenon in Sumbawa Besar, where an increasing number of MSMEs and local merchants have adopted QRIS-based payment systems, making e-wallets such as DANA an integral part of students' daily transaction activities.

Downloads

Download data is not yet available.

References

Alexandra, M., & Ramadhan, T. (2022). Pengaruh Persepsi Kemudahan Dan Persepsi Manfaat Terhadap Minat Beli Pada Konsumen Tokopedia Di Jakarta. 8(2), 1396–1404.

Azzahroh, A. (2025). Pengaruh Perceived Usefulness Of Online Review, Trust, Dan Satisfaction Terhadap Purchase Intention Di E-Commerce. Universitas Islam Indonesia.

Damayanti, V. (2019). Pengaruh Perceived Usefulness Dan Perceived Ease Of Use Terhadap Purchase Intention Melalui Brand Image Sebagai Variabel Intervening Pada Mahasiswa. 16(2), 99–109.

Destyana, Y. (2023). Pengaruh Digital Marketing, Perceived Ease Of Use, Dan Ragam Produk Terhadap Minat Beli Serta Pengaruhnya Pada Keputusan Pembelian Melalui E-Commerce Shopee Di Jabodetabek. Jurnal Manajemen Bisnis Dan Kewirausahaan.

Faza, A., Fatta, A., Ardianzah, D., Saragih, D. N., Suwardana, M. F., & Afdhal, M. (2025). Pengaruh Financial Technology Terhadap Preferensi Pembayaran Digital Di Kalangan Mahasiswa. Gudang Jurnal Multidisiplin Ilmu, 3, 64–69.

Irvania, V. A., Bagus, I., Udayana, N., & Fadhilah, M. (2022). Pengaruh Perceived Usefulness , Trust Dan Perceived Risk Terhadap Purchase Intention Pengguna Shopee. 19(1), 622–630.

Kafi, N. L., Prabowo, H., & Gultom, H. C. (2023). Analisis Pengaruh Kepercayaan , Presepsi Risiko Dan Keamanan Terhadap Minat Beli Untuk Bertransaksi Secara Online Di Shopee. 3.

Nisa, B. H., Ilmi, R., Saindra, & Irawan, F. (2025). Persepsi Pelaku Umkm Terhadap Penggunaan Qris Sebagai Metode Pembayaran Digital Di Kabupaten Sumbawa : Pendekatan Kualitatif. Jurnal Nirta : Studi Inovas, 5(1), 182–193.

Nurohmah, A. S., Sitorus, G., & Siagian, A. (2024). Pengaruh Persepsi Risiko, Persepsi Kemudahaan, Dan Persepsi Manfaat Terhadap Minat Belanja Di Bukalapak. 10(2), 22–31.

Prawita, D., Lukitaningsih, A., & Welsa, H. (2020). Analisis Price Discount Dan Perceived Usefulness Terhadap Minat Pembelian Ulang Menggunakan Fintech Melalui Intervening Customers Satisfaction (Studi Kasus Pada Pengguna Aplikasi Gopay Di Kota Yogyakarta). 4(2), 147–160.