The Impact of E-Wallet Usage on Millennial Consumer Purchasing Interest (Case Study: OVO and Dana)
Abstract
The development of digital technology has driven a significant transformation in the payment system, marked by the increasing use of e-wallets among the public, especially millennials. This study aims to analyze the influence of ease of use, security, and promotions on the purchasing intentions of millennials using OVO and DANA e-wallets in Indonesia. Using a quantitative approach and purposive sampling technique, data was collected from 100 respondents who are active e-wallet users. The results of multiple linear regression analysis indicate that the three independent variables have a positive and significant influence on purchasing intentions, with the largest contribution coming from the promotion factor. The R Square value of 0.678 indicates that the model is able to explain 67.8% of the variability in consumer purchasing intentions. These findings reinforce the importance of ease of use, security, and effective promotional strategies in increasing e-wallet usage and user loyalty, especially among the millennial segment.
Downloads
References
K. C. Laudon and C. G. Traver, E-Commerce 2021: Business, Technology, and Society. Pearson, 2021.
Bank Indonesia, “Statistik Sistem Pembayaran Digital,” 2023.
W. Strauss and N. Howe, Generations: The History of America’s Future, 1584 to 2069. New York: William Morrow & Company, 1991.
PwC Indonesia, “Digital Payments in Indonesia: A Millennial Perspective,” 2022.
F. D. Davis, “Perceived Usefulness, Perceived Ease of Use, and User Acceptance of Information Technology,” MIS Quarterly, vol. 13, no. 3, pp. 319–340, 1989.
S. Chen, X. Lu, and Y. Wang, “Impacts of Mobile Payment on Consumer Behavior in the Digital Era,” Journal of Retailing and Consumer Services, 2020.
D. Oktarina and M. Firdaus, “Pengaruh Literasi Keuangan Digital terhadap Penggunaan E-Wallet,” Jurnal Manajemen dan Keuangan, 2021.
B. Respiar, A. Fernanda, Taryadi, F. Maulana, and A. H. Anshor, “Peran Penting Software Quality Assurance Dalam Pengembangan Aplikasi,” Journal Scientific of Mandalika, vol. 5, no. 12, pp. 535–540, 2024.
N. Hidayat and M. A. Nugroho, “Analisis Celah Keamanan Pada Website SMA NEGERI 3 BERAU Dengan Metode Penetration TESTING,” Journal of Information System Management (JOISM), vol. 6, no. 2, pp. 102–108, Nov. 2025, doi: 10.24076/joism.2025v6i2.1858.
S. D. Pratama, L. Lasimin, and M. N. Dadaprawira, “Pengujian Black Box Testing Pada Aplikasi Edu Digital Berbasis Website Menggunakan Metode Equivalence Dan Boundary Value,” J-SISKO TECH (Jurnal Teknologi Sistem Informasi dan Sistem Komputer TGD), vol. 6, no. 2, p. 560, Nov. 2023, doi: 10.53513/jsk.v6i2.8166.
R. P. Fajar, “Teknik Boundary Value Analysis pada Blackbox Testing untuk Aplikasi Buku Catatan Harian,” Jurnal Repositor, vol. 6, no. 1, Nov. 2024, doi: 10.22219/repositor.v6i1.31852.
A. S. Wulandari, A. Saepudin, M. P. Kinanti, Z. Sudesi, A. Saifudin, and Y. Yulianti, “Pengujian Aplikasi Sistem Informasi Akademik Berbasis Web Menggunakan Metode Black Box Testing Equivalence Partitioning,” Jurnal Teknologi Sistem Informasi dan Aplikasi, vol. 5, no. 2, p. 102, Nov. 2022, doi: 10.32493/jtsi.v5i2.17561.
A. R. Wicaksono, “Analisis Kinerja Pengujian Black Box Terhadap Website Nestify Setelah Implementasi Equivalence Partitioning dan Boundary Value Analysis,” Jurnal Informatika dan Teknologi Pendidikan, vol. 5, no. 1, pp. 77–98, Nov. 2025, doi: 10.59395/jitp.v5i1.131.
F. W. G. Suharyono, K. Kartini, and A. Junaidi, “Penerapan Metode Boundary Value Analysis dan Equivalence Partitioning Dalam Pengujian Black Box Untuk Aplikasi SIADITA,” JATI (Jurnal Mahasiswa Teknik Informatika), vol. 8, no. 1, pp. 1013–1020, Nov. 2024, doi: 10.36040/jati.v8i1.8921.
N. Mahrozi and M. A. Yaqin, “PENGUJIAN APLIKASI DENGAN METODE BLACKBOX TESTING: ANALISIS BOUNDARY VALUE DAN EQUIVALENCE PARTITIONING PADA APLIKASI SISTEM PAKAR KUCING,” 2024.
C. E. E. S. Putri and A. Susanto, “Feasibility Analysis of Bengkel Koding Website Using Black Box Testing and Boundary Value Analysis,” Sinkron, vol. 8, no. 2, pp. 764–776, Nov. 2024, doi: 10.33395/sinkron.v8i2.13589.
M. S. R. Langit, A. Voutama, and A. A. Ridha, “Black Box Testing pada Website Sistem Perpustakaan Menggunakan Metode Equivalence Partitioning dan Analisis Boundary Value,” STRING (Satuan Tulisan Riset dan Inovasi Teknologi), vol. 8, no. 3, p. 355, Nov. 2024, doi: 10.30998/string.v8i3.19529.
E. Z. Selviana, H. E. Wahanani, and F. P. Aditiawan, “Black Box Testing in Community Service Systems Using Boundary Value Analysis and Cause Effect Graph Methods (Case Study of Jombang District Community and Village Empowerment Service),” East Asian Journal of Multidisciplinary Research, vol. 2, no. 10, pp. 4161–4184, Nov. 2023, doi: 10.55927/eajmr.v2i10.6435.
A. Jailani and M. A. Yaqin, “Pengujian Aplikasi Sistem Informasi Akademik menggunakan Metode Blackbox dengan Teknik Boundary Value Analysis,” Journal Automation Computer Information System, vol. 4, no. 2, pp. 60–66, Nov. 2024, doi: 10.47134/jacis.v4i2.78.
F. K. Kartono et al., “Pengujian Black Box Testing Pada Sistem Website Osha Snack: Pendekatan Teknik Boundary Value Analysis,” Jurnal Kridatama Sains dan Teknologi, vol. 6, no. 2, pp. 754-766, Des. 2024, doi: 10.53863/kst.v6i02.1407.
F. Dobslaw, R. Feldt, and F. G. D. O. Neto, “Automated black-box boundary value detection,” PeerJ Comput Sci, vol. 9, p. e1625, Nov. 2023, doi: 10.7717/peerj-cs.1625.
T. S. Jaya, P. S. M. Informatika, J. E. dan Bisnis, and P. N. L. JlnSoekarno, “Pengujian Aplikasi dengan Metode Blackbox Testing Boundary Value Analysis (Studi Kasus: Kantor Digital Politeknik Negeri Lampung),” Jurnal Informatika: Jurnal Pengembangan IT (JPIT), vol. 03, no. 02, 2018.
S. R. Yulistina, T. Nurmala, R. M. A. T. Supriawan, S. H. I. Juni, and A. Saifudin, “Penerapan Teknik Boundary Value Analysis untuk Pengujian Aplikasi Penjualan Menggunakan Metode Black Box Testing,” Jurnal Informatika Universitas Pamulang, vol. 5, no. 2, p. 129, Nov. 2020, doi: 10.32493/informatika.v5i2.5366.
J. Nadhifah et al., “Black Box Testing on the Wingpos Website Using the Equivalence Partitioning Technique,” International Journal of Information Engineering and Science, vol. 1, no. 4, pp. 81–88, Nov. 2024, doi: 10.62951/ijies.v1i4.128.
T. A. I. Alvayet and E. V. Barrichelo, “Perancangan Sistem Informasi Pengolahan Data Laporan Pajak Bulanan Berbasis Web Pada Depo Unilever Padang,” Jurnal Sains Informatika Terapan, vol. 2, no. 3, pp. 108–113, Nov. 2023, doi: 10.62357/jsit.v2i3.202.
G. W. Sasmito, “Penerapan Metode Waterfall Pada Desain Sistem Informasi Geografis Industri Kabupaten Tegal,” Jurnal Informatika: Jurnal Pengembangan IT, vol. 2, no. 1, pp. 6–12, Nov. 2017, doi: 10.30591/jpit.v2i1.435.
M. Sutomo and F. E. B. Simamora, “Pengujian Black Box Aplikasi Inventaris dengan Boundary Value Analysis di PT Duo Roda Motor,” DEVICE : JOURNAL OF INFORMATION SYSTEM, COMPUTER SCIENCE AND INFORMATION TECHNOLOGY, vol. 5, no. 1, pp. 202–216, Nov. 2024, doi: 10.46576/device.v5i1.4557.
A. M. Wilhelmus and D. Marselio, “Penerapan BVA dan EP pada Aplikasi Pencatatan Bahan dan Produksi,” Jurnal Sistem dan Teknologi Informasi Komunikasi, vol. 8, no. 1, pp. 1–9, Nov. 2024, doi: 10.32524/jusitik.v8i1.1180.
C. Kartiko, “BLACK BOX TESTING BOUNDARY VALUE ANALYSIS PADA APLIKASI SUBMISSION SYSTEM,” Edik Informatika, vol. 6, no. 2, pp. 15–22, Nov. 2020, doi: 10.22202/ei.2020.v6i2.3995.
M. Rizal and H. Endah, “PENGUJIAN BLACK BOX SISTEM PENDAFTARAN ONLINE DENGAN METODE EQUIVALENCE PARTITIONING DAN BOUNDARY VALUE ANALYSIS,” Jurnal Informatika dan Sistem Informasi (JIFoSI), vol. 1, no. 2, 2020.
A. M. Astripat, M. Faisal, and A. Saifudin, “Pengujian Software Sistem Informasi Akademik dengan Black Box,” Jurnal Riset Informatika dan Inovasi, vol. 1, no. 4, 2023.
R. J. Meliala et al., “Web-Based Financial Information System Testing of PT Perta Sakti Abadi Using the Black Box Testing Method,” International Journal of Computer Technology and Science, vol. 2, no. 1, pp. 58–66, Nov. 2024, doi: 10.62951/ijcts.v2i1.129.
Copyright (c) 2025 Marti Utari, Mardiana, Zulkarnain
This work is licensed under a Creative Commons Attribution-ShareAlike 4.0 International License.
This is an open-access article distributed under the terms of the Creative Commons Attribution-ShareAlike 4.0 International License which permits unrestricted use, distribution, and reproduction in any medium. Users are allowed to read, download, copy, distribute, search, or link to full-text articles in this journal without asking by giving appropriate credit, provide a link to the license, and indicate if changes were made. All of the remix, transform, or build upon the material must distribute the contributions under the same license as the original.
