IDENTIFIKASI DETERMINAN PREFERENSI PENGGUNAAN E-WALLET PADA GENERASI MILENIAL DI SEMARANG

Abstract

According to Bank Indonesia, the number of electronic money providers has reached 51 providers in 2020. The public is very enthusiastic about e-money services in form of server based applications. The more e-wallet offered, the more choices for users. The user preferences in choosing an e-wallet is something that needs attention. The study aims to identify the determinants of preferences using e-wallet and determine which is the most prioritized for the millennial generation in Semarang. The sampling method is purposive sampling. The sample used is e-wallet user who are 20 years old and over. Data were collected using a questionnaire and the data were analyzed using validity, reliability and frequency distribution. The results of the study show that the determinans of preferences for using e-wallet are cost , convenience, usability, security, accessibility, government programs, promotion, publisher reputation and social aspects. Four of the nine variables namely convenience; security; usability and accessibility are the priority preferences in using e-wallet.