The Influence Of Ease Of Use And Economic Benefits On The Adoption Of Digital Wallets Among Management Students At The University Of Muhammadiyah Buton

Abstract

The development of digital technology has brought significant changes to payment systems in Indonesia, particularly through the adoption of digital wallets (e-wallets). Digital wallets have become increasingly popular among university students as they offer convenience, security, and economic benefits such as discounts and cashback. This study aims to examine the influence of perceived ease of use and economic benefits on the adoption of digital wallets among Management students at Universitas Muhammadiyah Buton. A quantitative research design with a causal associative approach was employed. Data were collected through questionnaires distributed to 127 respondents selected using purposive sampling. The data were analyzed using multiple linear regression, including t-test, F-test, and coefficient of determination. The findings are expected to demonstrate that both perceived ease of use and economic benefits, either partially or simultaneously, significantly affect digital wallet adoption. This research contributes academically to the development of technology acceptance models (TAM and UTAUT) and offers practical implications for service providers and educational institutions in enhancing students’ digital financial literacy.