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Determinants Factor of The Use Of E-Wallets for Students and According to The Islamic Perspective
Corresponding Author(s) : Dimas Bagus Wiranatakusuma
Proceedings Universitas Muhammadiyah Yogyakarta Undergraduate Conference,
Vol. 3 No. 1 (2023): Crafting Innovation for Global Benefit
Abstract
One of the best inventions of the 21st century is the electronic wallet (e-wallet) which is an integral part of the electronic payment system. As of today, almost all citizens in Indonesia use e-wallets as a payment method. E-wallet is an application or feature developed to make it easier for users to make payments. The use of e-wallets can be accessed easily via the internet, can have a positive impact and also have a negative impact on the use of electronic money services.The study involved students consisting of a man, as well as a woman with ages varying from 19 to 24 years old. Using a qualitative approach, this study uses in-depth interviews as a data collection technique and also obtains from relevant websites or journals. This research shows that E-wallets have grown very rapidly and are used by various groups, including students as millennials. E-wallets are not only understood as a place to store money electronically, but also as a digital payment system with various features, such as top ups, bill payments, bank card storage, money transfers and withdrawals, etc. Students use e-wallets for various purposes, such as paying for online transportation, buying food/drinks, paying bills, etc. There are several fundamental reasons students use e-wallets as a payment method because of the promos offered, ease of transactions, and ease of operation. In using e-wallets, students not only feel comfortable in shopping, but also the convenience of paying because it can be done anywhere as long as the user is connected to the internet. Various conveniences offered by e-wallets, one of which is the simple appearance of the application that allows many users to understand how to operate it quickly.
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- Bagale, G. S., Vandadi, V. R., Singh, D., Sharma, D. K., Garlapati, D. V. K., Bommisetti, R. K., ... & Sengan, S. (2021). Small and medium- sized enterprises' contribution in digital technology. Annals of Operations Research, 1-24.
- Chelvarayan, A., Yeo, S. F., Hui Yi, H., & Hashim, H. (2022). E-wallet: a study on cashless transactions among university students. F1000Research, 11, 687.
- Ciptarianto, A., & Anggoro, Y. (2022). E-Wallet application penetration for financial inclusion in Indonesia. International Journal of Current Science Research and Review, 5(2), 319-332.
- Hatamleh, A., Kanaan, A. G., Majdalawi, Y. I., & El- Ebiary, Y. A. B. (2023). The Efficiency and Effectiveness of E-Wallet Systems in E- Commerce Platforms. Journal of Survey in Fisheries Sciences, 10(2S), 2634-2644.
- Munawar, G. (2022). Mobile-Based E-Wallet Prototype To Support Electronic Payments In Campus Environment. Jurnal Mantik, 6(1), 526-533.
- Nuha, U., Qomar, M. N., & Maulana, R. A. (2020). Perlukah E-Wallet Berbasis Syariah?. MALIA: Journal of Islamic Banking and Finance, 4(1), 59-68.
- Rahmawati, Y. D., & Yuliana, R. (2020). Pengaruh persepsi manfaat, persepsi kemudahan, dan persepsi keamanan terhadap keputusan penggunaan e-wallet pada mahasiswa STIE Bank BPD Jateng. ECONBANK: Journal of Economics and Banking, 2(2), 157-16
- Ramli, F. A. A., & Hamzah, M. I. (2021). Mobile payment and e-wallet adoption in emerging economies: A systematic literature review. Journal of Emerging Economies and Islamic Research, 9(2), 1-39.
- Silaen, E. dan Prabawani, B., (2019), “Pengaruh Persepsi Kemudahan Menggunakan E- Wallet dan Persepsi Manfaat Serta Promosi Terhadap Minat Beli Ulang Saldo E-Wallet OVO”, Jurnal Ilmu Administrasi Bisnis, 8 (4), p 155-163.
- Subaramaniam, K., Kolandaisamy, R., Jalil, A. B., & Kolandaisamy, I. (2020). The impact of E- Wallets for current generation. J. Adv. Res. Dyn. Control Syst, 12(1), 751-759.
References
Bagale, G. S., Vandadi, V. R., Singh, D., Sharma, D. K., Garlapati, D. V. K., Bommisetti, R. K., ... & Sengan, S. (2021). Small and medium- sized enterprises' contribution in digital technology. Annals of Operations Research, 1-24.
Chelvarayan, A., Yeo, S. F., Hui Yi, H., & Hashim, H. (2022). E-wallet: a study on cashless transactions among university students. F1000Research, 11, 687.
Ciptarianto, A., & Anggoro, Y. (2022). E-Wallet application penetration for financial inclusion in Indonesia. International Journal of Current Science Research and Review, 5(2), 319-332.
Hatamleh, A., Kanaan, A. G., Majdalawi, Y. I., & El- Ebiary, Y. A. B. (2023). The Efficiency and Effectiveness of E-Wallet Systems in E- Commerce Platforms. Journal of Survey in Fisheries Sciences, 10(2S), 2634-2644.
Munawar, G. (2022). Mobile-Based E-Wallet Prototype To Support Electronic Payments In Campus Environment. Jurnal Mantik, 6(1), 526-533.
Nuha, U., Qomar, M. N., & Maulana, R. A. (2020). Perlukah E-Wallet Berbasis Syariah?. MALIA: Journal of Islamic Banking and Finance, 4(1), 59-68.
Rahmawati, Y. D., & Yuliana, R. (2020). Pengaruh persepsi manfaat, persepsi kemudahan, dan persepsi keamanan terhadap keputusan penggunaan e-wallet pada mahasiswa STIE Bank BPD Jateng. ECONBANK: Journal of Economics and Banking, 2(2), 157-16
Ramli, F. A. A., & Hamzah, M. I. (2021). Mobile payment and e-wallet adoption in emerging economies: A systematic literature review. Journal of Emerging Economies and Islamic Research, 9(2), 1-39.
Silaen, E. dan Prabawani, B., (2019), “Pengaruh Persepsi Kemudahan Menggunakan E- Wallet dan Persepsi Manfaat Serta Promosi Terhadap Minat Beli Ulang Saldo E-Wallet OVO”, Jurnal Ilmu Administrasi Bisnis, 8 (4), p 155-163.
Subaramaniam, K., Kolandaisamy, R., Jalil, A. B., & Kolandaisamy, I. (2020). The impact of E- Wallets for current generation. J. Adv. Res. Dyn. Control Syst, 12(1), 751-759.