Pengaruh Cashless Lifestyle, Perceived Ease of Use, dan Environmental Awareness terhadap Minat Menggunakan E-Wallet pada Mahasiswa Universitas Islam Negeri Kiai Haji Achmad Siddiq Jember Effect of Cashless Lifestyle, Perceived Ease of Use, and Environmental Awareness on Interest in Using E-Wallet among Students of Universitas Islam Negeri Kiai Haji Achmad Siddiq Jember
Article Sidebar
Page Numbers:
3724-2746
Digital Object Identifier:
10.58578/yasin.v6i3.10537
Viewed: 27 times
Downloaded: 10 times
LYAS Publisher cordially invites qualified professionals to serve as Editors or Reviewers. Your expertise will make an important contribution to maintaining and strengthening the academic quality of our publications. Interested applicants are kindly requested to complete the application form at the following link: Editors & Reviewers
Please feel free to contact us if you need any further information about the submission process or if you have any additional questions.
Authors:
Hikmatus Sholihah1*, Mohammad Mirza Pratama2 
Copyright :
Authors retain copyright and grant the journal right of first publication.
Main Article Content
Abstract
The development of digital technology has transformed society’s payment system from cash transactions to e-wallet-based non-cash transactions that offer convenience, speed, and efficiency. This phenomenon also occurs among students, including at Universitas Islam Negeri Kiai Haji Achmad Siddiq Jember, which has supported the implementation of digital payment systems through various technology-based services. This study aims to analyze the effects of cashless lifestyle, perceived ease of use, and environmental awareness on the intention to use e-wallets among students at Universitas Islam Negeri Kiai Haji Achmad Siddiq Jember, both partially and simultaneously. This study used a quantitative approach with an associative research design. The research population consisted of all active undergraduate students, while the sample comprised 388 respondents determined using the Slovin formula and purposive sampling technique. Data were collected through a Likert-scale questionnaire distributed online using Google Forms, then analyzed through instrument testing, classical assumption testing, multiple linear regression, t-tests, F-tests, and the coefficient of determination. The results showed that cashless lifestyle, perceived ease of use, and environmental awareness each had a positive and significant effect on the intention to use e-wallets. Simultaneously, the three variables also had a positive and significant effect on the intention to use e-wallets among students at Universitas Islam Negeri Kiai Haji Achmad Siddiq Jember. The conclusion of this study affirms that increasing cashless lifestyle, perceived ease of use, and environmental awareness can encourage students’ intention to use e-wallets as a means of digital transactions. The implications of this study provide practical contributions to the development of digital payment services in higher education environments and serve as input for e-wallet service providers in designing usage strategies that are easier, more efficient, and oriented toward environmental awareness.
Citation Metrics:
Downloads
Article Details
Authors retain copyright and grant the journal right of first publication with the work simultaneously licensed under a Creative Commons Attribution-NonCommercial-ShareAlike 4.0 International License that allows others to share the work with an acknowledgement of the work's authorship and initial publication in this journal.
References
Agustino, L., & Yousida, I. (2021). Pengaruh Promosi, Persepsi Kemudahan, dan Persepsi Manfaat terhadap Minat Penggunaan E-Wallet dengan Kepercayaan sebagai Variabel Mediasi pada Pengguna E-Wallet di Kota Banjarmasin. Kindai, 17(3), 401–422. https://doi.org/10.35972/kindai.v17i3.631
Bank Indonesia. (2024). Statistik Sistem Pembayaran dan Infrastruktur Pasar Keuangan (SPIP): Uang Elektronik. https://www.bi.go.id/id/statistik/ekonomi-keuangan/spip/default.aspx
Dewi, N. K. (2023). Pengaruh Kemudahan Penggunaan, Gaya Hidup, Persepsi Keamanan dan Kepercayaan terhadap Minat Menggunakan ShopeePay. Wacana Ekonomi: Jurnal Ekonomi, Bisnis dan Akuntansi, 22(2), 142–155. https://doi.org/10.22225/we.22.2.2023.142-155
Dharma, W. W. (2023). Pengaruh Cashless Society dan E-Money terhadap Perilaku Konsumtif Mahasiswa [Undergraduate thesis, UIN Syekh Ali Hasan Ahmad Addary Padangsidimpuan]. https://etd.uinsyahada.ac.id/9435/
Faizatunnida, M. (2025). Pengaruh Literasi Keuangan, Gaya Hidup Cashless dan Pengaruh Sosial terhadap Perilaku Pengelolaan Keuangan Mahasiswa: Studi Kasus Mahasiswa Penerima KIP-K UIN Prof. K.H. Saifuddin Zuhri Purwokerto Angkatan 2021 [Undergraduate thesis, UIN Prof. K.H. Saifuddin Zuhri Purwokerto]. https://repository.uinsaizu.ac.id/32459/
Haryani, T., Fitriati, A., Fakhruddin, I., & Winarni, D. (2026). Penggunaan E-Wallet bagi Generasi Z: Peran Perceived Ease of Use dan Social Influence. Journal of Accounting and Finance Management, 6(6), 3191–3207. https://dinastires.org/JAFM/article/view/2954
Hassandi, I., R, M., Saputra, M. H., & Lie, K. P. K. (2023). Analisis Faktor yang Berpengaruh terhadap Kesadaran Pengguna dalam Memakai Aplikasi E-Wallet Studi Kasus: Masyarakat Kota Jambi. Jurnal Manajemen Teknologi dan Sistem Informasi (JMS), 3(1), 417–426. https://doi.org/10.33998/jms.2023.3.1.754
He, Y., Chen, Q., Kitkuakul, S., & Wright, L. T. (2018). Regulatory focus and technology acceptance: Perceived ease of use and usefulness as efficacy. Cogent Business & Management, 5(1), 1459006. https://doi.org/10.1080/23311975.2018.1459006
Khoir, M. M., & Soebiantoro, U. (2022). Pengaruh Persepsi Kemudahan Penggunaan dan Promosi terhadap Minat Penggunaan E-Wallet LinkAja di Kota Surabaya. J-MAS (Jurnal Manajemen dan Sains), 7(2), 752–758. https://doi.org/10.33087/jmas.v7i2.619
Matnin, Kunaifi, A., & Ubaidillah, A. (2021). Pengaruh Persepsi Teknologi Informasi, Risiko dan Handling of Complaints terhadap Minat Nasabah dalam Menggunakan Internet Banking: Studi Kasus BPRS Bakti Sumekar Cabang Pragaan. Jurnal Ekonomi Syariah Pelita Bangsa, 6(2), 176–190. https://doi.org/10.37366/jespb.v6i02.246
Maulana, S. N. S., & Permatasari, D. (2025). Investigating e-wallet adoption among Gen Z students: Determinants of behavioral intention and actual use. Journal of Enterprise and Development, 7(1), 192–205. https://doi.org/10.20414/jed.v7i1.13106
Musari, K., Diartho, H. C., Pratiwi, A., Umami, M. R., Fardian, M. I., Shahrin, A. A., & Masruroh, N. (2022). Islam dan green economics: Diskursus konsep Islam tentang ekonomi hijau serta pembangunan berkelanjutan di Indonesia. Jejak Pustaka.
Ramadhanti, S. P., Buchdadi, A. D., & Fawaiq, M. (2023). Determinan Adopsi Dompet Digital: Perceived Ease of Use, Trust, dan Perceived Usefulness. Jurnal Bisnis, Manajemen, dan Keuangan, 4(1), 80–95. https://doi.org/10.21009/jbmk.0401.06
Rania, D. (2025, September 12). Survei Dompet Digital Paling Favorit di Indonesia [2025]. Jubelio. https://jubelio.com/hasil-survei-dompet-digital-paling-favorit-di-indonesia/
Sahir, S. H. (2021). Metodologi penelitian. Penerbit KBM Indonesia.
Si, W., Jiang, C., & Meng, L. (2022). The relationship between environmental awareness, habitat quality, and community residents’ pro-environmental behavior: Mediated effects model analysis based on social capital. International Journal of Environmental Research and Public Health, 19(20), 13253. https://doi.org/10.3390/ijerph192013253
Sintiani, P. D., Astarini, D. A. O., Cahyani, A., Septian, D., & Khairunnisa. (2025). Studi Kuantitatif Pengaruh Literasi Keuangan, Gaya Hidup dan Cashless Society terhadap Perilaku Keuangan Mahasiswa. Riset, Ekonomi, Akuntansi dan Perpajakan (Rekan), 6(1), 61–76. https://journal.universitasbumigora.ac.id/rekan/article/view/5001
Sugiyono. (2013). Metode penelitian pendidikan: Pendekatan kuantitatif, kualitatif, dan R&D. Alfabeta.
Tamaela, K., Loupatty, L. G., & Layn, Y. Y. (2025). Pengaruh Perceived Usefulness, Perceived Ease of Use dan Service Features terhadap Minat Generasi Z dalam Penggunaan E-Wallet di Kota Ambon. JEBIMAN: Jurnal Ekonomi, Bisnis, Managemen dan Akuntansi, 3(3), 44–71. https://sociohum.net/index.php/JEBIMAN/article/view/30
Thaker, H. M. T., Subramaniam, N. R., Qoyum, A., & Hussain, H. I. (2023). Cashless society, e-wallets and continuous adoption. International Journal of Finance & Economics, 28(3), 3349–3369. https://doi.org/10.1002/ijfe.2596
Tubaishat, A. (2018). Perceived usefulness and perceived ease of use of electronic health records among nurses: Application of Technology Acceptance Model. Informatics for Health and Social Care, 43(4), 379–389. https://doi.org/10.1080/17538157.2017.1363761
Wicaksono, S. R. (2022). Teori dasar Technology Acceptance Model. CV Seribu Bintang.
Zahriyah, A., Suprianik, Parmono, A., & Mustofa. (2021). Ekonometrika: Teknik dan aplikasi dengan SPSS (1st ed.). Mandala Press.