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The use of e-wallets is increasing in Indonesia, especially during the Covid-19 pandemic. The most popular digital wallets in Indonesia, such as Go-Pay, OVO, ShopeePay, Dana, and LinkAja, have adapted the mobile banking system, making it easy for users to download the app through the Play Store or App Store. According to Insight Asia, DANA is ranked third in terms of number of users after Gopay and OVO, with 221 respondents from major Indonesian cities. As an e-wallet platform created by PT Espay Debit Indonesi Koe Indonesia in 2018, DANA, as a local company, attracts people's interest and has become a popular choice. This study aims to identify the relationship and influence between Perceived Usefulness and Perceived Ease of Use on Decision to Use E-wallet, especially DANA, with Intention to Use E-wallet as an intervention variable. Through regression tests, the research findings show that Perceived Usefulness and Perceived Ease of Use have a positive and significant effect on Intention to Use DANA, and Intention to Use DANA has a significant effect on Decision to Use DANA. Intention to Use E-wallet mediates the relationship between Perceived Usefulness and Perceived Ease of Use with Decision to Use DANA. This result is obtained by looking at the results of statistical processing, where the p-value <0.005. These findings imply that the perceived usefulness and ease of use of the DANA application has the potential to encourage user interest in using e-wallets, which in turn can influence users' decisions to adopt DANA as an electronic payment method.

The rapid growth of financial technology has led to the emergence of digital wallets as an efficient and practical means of payment. One of the most widely used services in Indonesia is Shopeepay, particularly among Generation z, who are known for their adaptability to new technologies. This study aims to examine to influence of perceived usefulness (X1) and perceived risk (X2) on the intention to use digital wallets (Y), with Shopeepay payment method (M) as a moderating variable. This research employed a quantitative approach by distributing questionnaires to 60 University students who actively use Shopeepay. The collected data were analyzed using multiple linier regression and Moderated Regression Analysis (MRA). The findings reveal that perceived usefulness has a positive and significant effect on the intention to use Shopeepay (sig. 0,004<0,05). Perceived risk also shows a significant effect in thr multiple regression test (sig. 0,003<0,05), but becomes insignificant when tested with MRA (sig. 0,094>0,05). This suggests that impact of risk tends to weaken when moderated by the payment methode. Furthermore, the Shopeepay payment method itself does not significantly influence user intention (sig. 0,067>0,05) collectively, perceived usefulness and perceived risk significantly affect the intention to use Shopeepay (sig. 0,001).

Currently we have entered the era of digitalization or what is called the modern era. Technology is developing rapidly, especially in the field of online buying and selling that It makes it easier to access all the necessities of life. In Indonesia, there are many online sales and purchase applications, one of which is the Shopee application which provides various kinds of life needs ranging from food, clothes, household appliances and even tertiary needs (cars, motorcycles, and so on). Where shopee also provides various ways to pay, from on-site payment (COD system) when the goods are in the hands of the buyer, bank transfers, shopeepay transfers and even provides spaylater payments where this payment is made without having to pay immediately for the goods purchased or also called a credit system which of course is based on the terms and conditions that apply in the spaylater system. This research uses qualitative data, obtained from literature from various sources. The sources used are processed from the analysis of various journals, articles, reports and information related to the review of muamalah fiqh on the case of online purchases with credit system payments offered by Shopee through the "spaylater" feature.

Technological advancements have had a significant impact on facilitating financial transactions, one of which is through the use of digital payment systems. ShopeePay, as one of the e-wallets that has rapidly grown in Indonesia, offers convenience in making cashless transactions. Although ShopeePay is becoming increasingly popular, several factors still influence the behavior of its use, particularly among Generation Z. This study aims to analyze the factors that affect ShopeePay usage behavior among Generation Z students at the Universitas Muhammadiyah Surakarta using the UTAUT model. The sampling method used is convenience sampling. This quantitative research uses primary data collected through an online questionnaire via a Google Form link. A total of 275 respondents are involved in the study. Data analysis is conducted using the Smart PLS application. The results of the study indicate that performance expectancy, social influence, and facilitating conditions have affect use behavior, while effort expectancy does not have use behavior. This study emphasizes the importance of performance, social, and infrastructure support aspects in enhancing the acceptance of ShopeePay as a digital payment technology.

The purpose of this study is to investigate how interest in Shopeepay is affected by online transactions. Convenience, security, efficiency, promotions, features, and payment variations are the variables in this study. Using a non-probability purposive sampling strategy and incidental sampling methods, questionnaires distributed online via Google Form provided the primary data. Convenience, security, effectiveness, promotions, features, and payment options all have a positive and significant impact on interest in Shopeepay, according to the findings of this study.  

Before the development of science and technology, the payment system in Indonesia was only done using cash. Money is used to make daily human payments as a medium of exchange. Cash payment instruments are regulated in Law Number 7 of 2011 concerning Currency. But along with the development of science and technology, payment instruments have been more widely used. This progress comes in the form of digital payment instruments. QRIS is one of the digital payments available today. QRIS stands for Indonesian Quick Response Code Standard launched by Bank Indonesia. When making payments through QRIS as a means of payment, you can use one e-wallet to pay merchants, such as Link Aja, Gopay, OVO, DANA, Shopeepay, and others. This research was conducted to compare payment systems (cash and QRIS payments) made by Banten students in making transactions. This research was conducted using quantitative methodology. The distribution data was collected through the distribution of questionnaires.

This research aims to determine the factors that influence the e-loyalty of e-commerce users in DKI Jakarta towards digital payment features. In this study there are five variables, namely e-service quality, e-trust, perceived usefulness, e-satisfaction, and e-loyalty with the sample criteria being domiciled in DKI Jakarta, at least 17 years old, and having used the ShopeePay e-wallet for three last month. The research method used is quantitative with purposive sampling data collection techniques. This research produced data from 177 respondents which were analyzed using SmartPLS 4.0 software with the Partial Least Square (PLS) method. The research results show that e-service quality has a positive and significant effect on e-satisfaction, e-trust has a positive and significant effect on e-satisfaction, perceived usefulness has no positive and significant effect on e-satisfaction, e-service quality has no positive and significant effect towards e-loyalty, e-satisfaction has a positive and significant effect on e-loyalty, perceived usefulness has a positive and significant effect on e-loyalty. Furthermore, e-service quality does not have a positive and significant effect on e-loyalty through e-satisfaction, e-trust has a positive and significant effect on e-loyalty through e-satisfaction, and perceived usefulness has a positive and significant effect on e-loyalty through e-satisfaction. satisfaction.      

Penelitian ini bertujuan untuk mengetahui pengaruh literasi keuangan dan efikasi diri terhadap inklusi keuangan pada pengguna layanan pembayaran digital ShopeePay Mahasiswa Fakultas Ekonomika dan Bisnis Universitas 17 Agustus 1945 Semarang. Populasi yang digunakan dalam penelitian ini adalah mahasiswa aktif angkatan tahun masuk 2020 dan 2021 atau mahasiwa yang telah mengikuti kuliah manajemen keuangan 1 dan 2, ukuran jumlah sampel 81 responden, dengan teknik proposional random sampling. Sumber data yang digunakan adalah data primer, dengan metode pengumpulan data menggunakan kuesioner. Teknik analisi data yang digunakan dalam penelitian adalah analisi regresi linear berganda. Hasil penelitian secara parsial variabel literasi keuangan berpengaruh positif dan signifikan terhadap inklusi keuangan dan Efikasi diri berpengaruh positif dan Signifikan terhadap Inklusi Keuangan. Kata Kunci : Literasi Keuangan, Efikasi Diri, Inklusi Keuangan This research aims to determine the influence of financial literacy and self-efficacy on financial inclusion among users of the ShopeePay digital payment service, students at the Faculty of Economics and Business, University of 17 August 1945 Semarang. The population used in this research were active students from the 2020 and 2021 intake years or students who had taken financial management courses 1 and 2, the sample size was 81 respondents, using a proportional random sampling technique. The data source used is primary data, with data collection methods using questionnaires. The data analysis technique used in the research is multiple linear regression analysis. Partial research results show that financial literacy variables have a positive and significant effect on financial inclusion and self-efficacy have a positive and significant effect on financial inclusion. Keywords: Financial Literacy, Self-Efficacy, Financial Inclusion

Perilaku konsumtif merupakan perilaku membeli secara berlebihan dengan mengutamakan kebutuhan sekunder dan tersier daripada kebutuhan primernya yang menyebabkan seseorang menjadi boros. Penelitian ini bertujuan untuk mengetahui ada tidaknya pengaruh digital payment shopeepay dan locus of control terhadap perilaku konsumtif mahasiswa Fakuktas Ekonomi dan Bisnis Islam. Populasi penelitian ini adalah mahasiswa Fakultas Ekonomi dan Bisnis Islam UIN Sulthan Thaha Saifuddin Jambi angkatan 2019, jumlah sampel penelitian sebanyak 85 mahasiswa dengan menggunakan teknik purposive sampling dengan memilih mahasiswa yang menggunakan digital payment shopeepay. Metode pengumpulan data dalam penelitian ini menggunakan angket. Data variabel dianalisis menggunakan regresi linier berganda. Teori yang digunakan dalam penelitian ini antara lain; Dompet Digital, Psikologi Kepribadian, Perilaku Konsumen dan Perilaku Konsumtif. Hasil penelitian menunjukkan bahwa secara simultan digital payment ShopeePay dan locus of control berpengaruh  positif dan signifikan terhadap perilaku konsumtif. Secara parsial digital payment berpengaruh positif dan signifikan terhadap perilaku konsumtif. Locus of control tidak berpengaruh terhadap perilaku konsumtif. Berdasarkan analisis data dalam penelitian ini variabel-variabel tersebut valid dan reliabel. Pada pengujian asumsi klasik dengan distribusi normal tidak terjadi heteroskedastisitas dan multikoliniearitas.