The Effect of Financial Literacy, Perceived Security, and Trust on Decisions Regarding the Use of the Dana E-Wallet Among Management Major Students at Ngurah Rai University

Authors

  • Ni Kadek Putri Erawati Universitas Ngurah Rai
  • Ade Maharini Adiandari Universitas Ngurah Rai
  • Ni Putu Yuliana Ria Sawitri Universitas Ngurah Rai

DOI:

https://doi.org/10.59141/jrssem.v6i2.1736

Keywords:

financial literacy, security perception, trust, decision to use

Abstract

The expansion of financial technology has increased e-wallet adoption in Indonesia, particularly among university students. However, concerns related to financial understanding, transaction security, and service reliability may influence decisions to use these services. This study aimed to examine the partial and simultaneous effects of financial literacy, perceived security, and trust on decisions to use the DANA e-wallet among Management students at Ngurah Rai University. A quantitative associative design was employed using questionnaire data from 81 respondents, supplemented by secondary data. The research instruments were assessed for validity and reliability, while the data were analyzed using classical assumption tests, multiple linear regression, the coefficient of determination, t-tests, and an F-test with SPSS version 25. The findings showed that financial literacy had a positive and significant effect on decisions to use DANA (B = 0.126; p = 0.036). Perceived security (B = 0.473; p < 0.001) and trust (B = 0.406; p < 0.001) also had positive and significant effects. Simultaneously, the three variables had a significant effect on decisions to use DANA (F = 203.704; p < 0.001), explaining 88.4% of the variance. These results indicate that students’ decisions to use DANA were influenced by their financial literacy, confidence in transaction security, and trust in the service. Therefore, strengthening financial literacy, perceived security, and service reliability may encourage greater adoption of DANA among university students.

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Published

2026-09-12

How to Cite

Putri Erawati, N. K., Maharini Adiandari, A., & Yuliana Ria Sawitri, N. P. (2026). The Effect of Financial Literacy, Perceived Security, and Trust on Decisions Regarding the Use of the Dana E-Wallet Among Management Major Students at Ngurah Rai University. Journal Research of Social Science, Economics, and Management, 6(2), 985–995. https://doi.org/10.59141/jrssem.v6i2.1736

Issue

Vol. 6 No. 2 (2026): Journal Research of Social Science, Economics, and Management (Issue in Progres)

Section

Articles

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Copyright (c) 2026 Ni Kadek Putri Erawati, Ade Maharini Adiandari, Ni Putu Yuliana Ria Sawitri

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