Analisis Uji Faktor yang Memengaruhi Minat Pengguna Dompet Digital pada Mahasiswa Jurusan Akuntansi Fakultas Ekonomi dan Bisnis Universitas Halu Oleo
DOI:
https://doi.org/10.71417/j-sime.v3i1.2133Keywords:
Dompet Digital, Kemudahan, Manfaat, Risiko, KepercayaanAbstract
Penggunaan dompet digital semakin menjadi bagian dari aktivitas transaksi mahasiswa, namun minat penggunaannya dapat dipengaruhi oleh persepsi terhadap kemudahan, manfaat, risiko, dan kepercayaan. Penelitian ini bertujuan menganalisis pengaruh persepsi kemudahan penggunaan, persepsi manfaat, persepsi risiko, dan perilaku kepercayaan terhadap minat penggunaan dompet digital pada mahasiswa Jurusan Akuntansi Fakultas Ekonomi dan Bisnis Universitas Halu Oleo. Penelitian menggunakan pendekatan kuantitatif dengan data primer yang diperoleh melalui kuesioner dari 90 mahasiswa dan dianalisis menggunakan regresi linear berganda. Hasil penelitian menunjukkan bahwa persepsi kemudahan penggunaan berpengaruh positif dan signifikan terhadap minat penggunaan dompet digital dengan nilai signifikansi 0,001, demikian pula persepsi manfaat dengan nilai signifikansi 0,001 dan perilaku kepercayaan dengan nilai signifikansi 0,037. Sebaliknya, persepsi risiko tidak berpengaruh signifikan dengan nilai signifikansi 0,106. Secara simultan, keempat variabel berpengaruh signifikan terhadap minat penggunaan dompet digital. Temuan ini menunjukkan bahwa kemudahan, manfaat, dan kepercayaan merupakan faktor penting dalam meningkatkan minat mahasiswa menggunakan dompet digital, sedangkan risiko yang dirasakan bukan menjadi penghambat utama.
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