THE INFLUENCE OF PERCEIVED USEFULNESS, PERCEIVED EASE OF USE, AND PERCEIVED RISK ON THE DECISION TO USE SHOPEEPAY DIGITAL WALLET AMONG THE COMMUNITY IN MADIUN

Bagus Catur Apriyoga, Rizal Ula Ananta Fauzi, Hari Purwanto

Abstract


This study aims to analyze the influence of Perceived Usefulness, Perceived Ease of Use, and Perceived Risk on the Decision to Use the ShopeePay digital wallet among the community in Madiun. This is prompted by the relatively high adoption rate of ShopeePay, which has not been fully followed by consistent usage decisions, as well as the existence of differing results in previous studies regarding the effects of these three factors. The research utilizes a quantitative approach with an infinite population, namely ShopeePay users in Madiun, so the sample size was determined using Cochran’s formula, resulting in 384 respondents selected through purposive sampling. Data were collected via an online questionnaire and analyzed using multiple linear regression with the assistance of SPSS. The results show that Perceived Usefulness, Perceived Ease of Use, and Perceived Risk each have a positive and significant effect on the Decision to Use ShopeePay, both partially and simultaneously, with Perceived Risk emerging as the most dominant influencing variable. These findings strengthen the application of the Technology Acceptance Model by adding perceived risk as an additional explanatory variable for the acceptance of digital financial technology. Based on these findings, it is recommended that ShopeePay continue to enhance the benefits of its services, the ease of use of its application, as well as system security and user data protection. Future researchers are advised to include other variables such as trust, promotion, or customer satisfaction to broaden the understanding of digital wallet usage decisions.


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