Impact of Perceived Benefits, Security, and Privacy on Interest in Using E-Wallet in Millennial Generation

Abstract

This study examines and analyze the effect of perceived usefulness, security, and privacy on interest in using EWallet. Benefits can be interpreted as the extent to which someone in using financial technology in transactions will improve performance. Perceived security and privacy reflect how users feel when their data is disclosed. A total of 116 millennial generations who live in Surabaya were used as samples. To analyze the data used variance-based SEM analysis technique, namely SEM-PLS. The findings of this study are that the perceived benefits, privacy and security have will increase interest in using ewallet. Interest in using e-wallet also contributes to e-wallet usage behavior. This study provides better evidence of the usefulness of e-wallet in electronic transactions.

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