PENGARUH PERSEPSI KEMUDAHAN, KEPERCAYAAN, DAN KEAMANAN TERHADAP MINAT PENGGUNAAN E-MONEY PADA GEN Z DI KOTA JAMBI DALAM PERSPEKTIF EKONOMI ISLAM

Authors

  • Vera Astuti Universitas Islam Negeri Sulthan Thaha Saifuddin Jambi
  • Rofiqoh Ferawati Universitas Islam Negeri Sulthan Thaha Saifuddin Jambi

DOI:

https://doi.org/10.24252/el-iqthisady.v7i2.61884

Abstract

Abstrak

Penelitian ini didasari oleh perkembangan teknologi  yang semakin pesat, di mana e-money menjadi salah satu alat pembayaran digital yang mulai banyak digunakan oleh masyarakat terutama pada gen Z. Penelitian ini bertujuan untuk mengetahui pengaruh persepsi kemudahan, kepercayaan, dan keamanan terhadap minat penggunaan e-money  pada generasi Z di Kota Jambi. Metode yang digunakan dalam penelitian ini adalah metode kuantitatif, dengan menggunakan SPSS. Sampel dalam penelitian ini sebanyak 100 sampel generasi z di Kota Jambi, dengan menyebarkan kuesioner. Penelitian ini menggunakan pendekatan kuantitatif dengan metode purposive sampling. Hasil penelitian menunjukkan bahwa persepsi kemudahan berpengaruh signifikan terhadap minat penggunaan e-money. Kepercayaan berpengaruh signifikan terhadap minat penggunaan e-money. Keamanan berpengaruh signifikan terhadap minat penggunaan e-money. Persepsi kemudahan, kepercayaan, dan keamanan secara simultan berpengaruh signifikan terhadap minat penggunaan e-money.

Kata Kunci:  persepsi kemudahan, kepercayaan, keamanan, Gen  Z, Ekonomi Islam

 

Abstract

This research is based on the rapid development of technology, where e-money is one of the digital payment instruments that is starting to be widely used by the public, especially in Gen Z. This research aims to determine the influence of the perception of convenience, trust, and security on the interest in using e-money in Generation Z in Jambi City. The method used in this study is a quantitative method, using SPSS. The sample in this study was 100 samples of generation z in Jambi City, by distributing questionnaires. This study uses a quantitative approach with a purposive sampling method. The results show that the perception of convenience has a significant effect on the interest in using e-money. Trust has a significant effect on interest in using e-money. Security has a significant effect on the interest in using e-money. The perception of convenience, trust, and security simultaneously has a significant effect on the interest in using e-money.

Keywords: perception of convenience, trust, security, Gen Z, Islamic Economics

Downloads

Published

2025-11-12

Issue

Vol. 7 No. 2 (2025): Desember

Section

Volume 7 Nomor 2 Desember 2025

License

Once an article was published in the journal, the author(s) are:

  • to retain copyright and grant to the journal right licensed under Creative Commons License Attribution that allows others to share the work with an acknowledgement of the work's authorship.
  • permitted to publish their work online in third parties as it can lead wider dissemination of the work, with an acknowledgement of its initial publication in this journal
  • continue to be the copyright owner and allow the journal to publish the article with the CC BY-NC-SA license
  • receiving a DOI (Digital Object Identifier) of the work.