Analisis Efektivitas Penggunaan E-Wallet dalam Pembayaran Digital Bagi Mahasiswa Program Studi Manajemen Bisnis Syariah UMSU

Abstract

This research aims to determine the motives, impacts and experiences of FAI UMSU Sharia Business Management students in using E-Wallets for Digital Payments. Based on the results of observations and interviews based on this title, researchers found that there are many factors that influence students to use E-Wallets for digital payments, including: promos, ease of use, service features, security of the e-wallet digital product. Almost all provinces in Indonesia have touched digital e-wallet applications (OVO, Gopay, Link Aja, Flip, DANA, Shopeepay and so on). E-wallet users are increasing rapidly and are widely used by various groups, including students. Although e-wallet service providers offer a variety of products, not all of them are used by students. E-wallet is a digital payment transaction method that includes features such as balance top-ups, bill payments, inter-bank transfers, money withdrawals, and so on. The use of digital e-wallets is still dominated by payments for online transportation transactions, purchases via e-commerce, and food and beverage delivery services. Security is also one of the factors that makes students interested and interested in using E-Wallet. Meanwhile, the existence of a security verification system makes consumers feel protected regarding the security of their personal data information when using E-Wallet. One of them is by launching fingerprint and facial verification features to validate every transaction.