The Determination of Perceived Ease of Use and Security on the Usage Decisions of the DANA E-Wallet by Generation Z

Abstract

This study explores the influence of perceived ease of use, service features, and security on the usage decisions of the DANA e-wallet among Generation Z in Garut Regency. Using a quantitative approach with Structural Equation Modeling based on Partial Least Squares (SEM-PLS), data were collected from 100 active Generation Z users of the DANA application. The results demonstrate that perceived ease of use and security have a significant positive impact on usage decisions, while service features do not significantly influence these decisions. These findings align with the Technology Acceptance Model (TAM), highlighting the importance of an intuitive and secure user experience in driving technology adoption. Generation Z in Garut prioritizes simple navigation and strong data protection over the completeness of service features. This preference reflects the specific challenges of semi-urban areas, such as varying digital infrastructure and user familiarity with technology. Developers, such as DANA, are advised to enhance navigation simplicity, strengthen data protection, and improve transaction security to foster user trust and loyalty.This study contributes to strategies for enhancing e-wallet adoption and supports broader financial inclusion in Indonesia’s semi-urban regions.