Gen Z Cashless: Exploring the Influence of Effort Expectancy, Perceived Security, and Digital Lifestyle on Usage Intention and Behavior E-Wallet ShopeePay
DOI:
https://doi.org/10.30872/miceb.v7i1.15549Keywords:
Effort Expectancy, Perceived Security, Digital Lifestyle, Usage Intention, Usage BehaviorAbstract
The culture of cashless transactions has grown rapidly in line with accelerated digital transformation and increasing public demand for efficient, secure, and practical payment systems. This phenomenon is particularly evident among generation z, who demonstrate substantial familiarity with the digital ecosystem and systematically employ technology in financial-related activities. This study aims to analyze the influence of effort expectancy, perceived security, and digital lifestyle on usage intentions, as well as to analyze the impact on usage intention on usage behavior of e-wallet among generation z users. The research sample consisted of 145 respondents who actively use e-wallet in their daily transactions. Data were analyzed using SEM-PLS with SmartPLS 4. The results showed that perceived security and digital lifestyle positively influence usage intention, while effort expectancy do not show any influence on this variable. Furthermore, usage intention has a positive influence on usage behavior of e-wallet. These findings demonstrate that perceived security and digital lifestyle reinforce usage intention, which will impact e-wallet usage behavior
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