Pengaruh Penggunaan E-wallet Dan Literasi Keuangan Terhadap Keputusan Gen Z Dalam Bertransaksi Online Di Kota Bogor

The Influence of E-wallet Use and Financial Literacy on Gen Z's Decision to Make Online Transactions in Bogor City

Abstract

Advances in digital technology have driven the increased use of e-wallets as a payment method for online transactions. This trend has encouraged Generation Z to use e-wallets to meet their various online transaction needs. E-wallet usage and financial literacy are factors that can influence an individual’s decisions regarding online transactions. This study aims to analyze the influence of e-wallet usage and financial literacy on Generation Z’s decisions regarding online transactions in the city of Bogor. The study employed a quantitative approach using a survey method with a questionnaire administered to 100 respondents selected via purposive sampling. Data were collected and analyzed using IBM SPSS Statistics 27, including validity tests, reliability tests, classical assumption tests, multiple linear regression analysis, t-tests, F-tests, and the coefficient of determination test. The results indicate that the use of e-wallets and financial literacy have a positive and significant effect on the decision to conduct online transactions, both partially and simultaneously. An R-squared value of 0.674 indicates that these two variables account for 67.4% of the variation in the decision to conduct online transactions, while the remaining 32.6% is influenced by other variables outside the scope of this study.