The Effect of Trust and Perceived Security on the Intention to Use E-wallets in Generation Z in Bandung City
Abstract
The Covid-19 pandemic has led to a shift in payment mode preferences from cash to cashless, particularly the use of
e-wallets. However, e-wallets' security and public confidence remain extremely poor. To improve people's
willingness to use e-wallets, trust and security, preferably capable of protecting users' personal data, are required.
Thesupport purpose of this study was off determine the impact of trust and perceived security on the desire to use ewallets among Generation Z in Bandung. The characteristics researched are concerned with people's feelings of trust
and security when utilizing e-wallets. The research approach adopted is quantitative. Aside from that, the data
sources are main and secondary data. Primary data were gathered via questionnaire responses, while secondary
data were obtained from literature research in the form of books and associated publications. Based on the findings
of this research, it is evident that the level of trust significantly influences the intention to use digital wallets.
Furthermore, the perception of security also plays a significant role in influencing the intention to use digital wallets.
A higher perception of security correlates with an increased intention to use, whereas a lower perception of security
results in a decreased intention to use. The results of this research show that the trust variable and security
perception variable have a significant influence on the intention to use digital wallets among generation Z in
Bandung City. Apart from that, according to the results of the descriptive analysis, it is known that Generation Z's
trust in e-wallets is already in the good category and Generation Z's perception of security towards e-wallets is in
the good category.
Keyword: e-wallet, trust, perceived security, intention to use.
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