Indonesia has experienced a significant transformation in the way people conduct financial transactions. As smartphones and financial technology (fintech) continue to evolve, cashless payments have become an integral part of everyday life. Digital wallets, commonly known as e-wallets, allow users to pay bills, transfer money, shop online, and complete various financial transactions without carrying physical cash.
Among dozens of licensed e-wallet providers operating in Indonesia, DANA has emerged as one of the country's most widely used platforms. Its growing popularity reflects consumers' increasing preference for digital payment solutions that are practical, efficient, and accessible anytime through mobile devices.
The researchers explained that DANA's expansion has also been supported by collaborations with government agencies, micro, small and medium enterprises (MSMEs), electronic parking services, and other digital public services. As digital transactions become more common, understanding the factors that encourage people to continue using e-wallets has become increasingly important.
To investigate these factors, the research team surveyed 100 DANA users in Samarinda City representing different age groups, occupations, and educational backgrounds. Data were collected through a structured questionnaire using a five-point Likert scale and analyzed using multiple linear regression with SPSS Version 27. Before statistical analysis, all research instruments passed validity and reliability tests, confirming that the data were suitable for further analysis.
The analysis revealed that all four variables significantly influence users' intention to continue using the DANA e-wallet. Both individually and collectively, perceived risk, perceived ease of use, perceived usefulness, and perceived security play important roles in shaping consumer decisions.
Key Findings
The study highlights four major determinants of DANA adoption:
- Perceived risk was identified as the strongest influencing factor. Users are more likely to continue using DANA when they believe the risks of losing money, transaction failures, or security breaches are low.
- Perceived ease of use significantly increases user intention. Applications that are simple to learn, flexible, and convenient for various transactions are more attractive to consumers.
- Perceived usefulness also positively affects adoption. Users are more willing to use DANA when they believe it improves transaction efficiency, saves time, and enhances their daily financial activities.
- Perceived security plays a critical role in building trust. Confidence that personal information and stored funds are well protected encourages continued use of the platform.
The statistical analysis further demonstrated a very strong relationship between these four factors and users' intention to use DANA. The correlation coefficient reached 0.909, while the coefficient of determination (R² = 0.826) indicates that approximately 82.6% of users' intention to adopt and continue using DANA can be explained by perceived risk, ease of use, usefulness, and security. The remaining 17.4% is influenced by other variables outside the research model.
Among the four variables, perceived risk emerged as the most influential determinant. This finding suggests that although consumers appreciate convenience and practical features, minimizing concerns about financial loss and protecting personal data remain the highest priorities when choosing a digital wallet.
According to Syachrul and colleagues from Samarinda State Polytechnic, the results emphasize the importance of continuously improving security systems while maintaining user-friendly features and practical benefits. A secure, easy-to-use, and useful application is more likely to earn long-term consumer trust and encourage sustained adoption in Indonesia's increasingly competitive fintech industry.
The findings also carry important implications for multiple stakeholders. For fintech companies, the research offers guidance for designing safer platforms, improving user interfaces, and enhancing customer experience. For policymakers, it provides evidence that strengthening digital payment security can accelerate the country's transition toward a cashless society. Meanwhile, for MSMEs and public service providers, higher consumer confidence in digital wallets could support broader adoption of electronic payment systems across various sectors.
The researchers recommend expanding future studies beyond Samarinda City to improve the generalizability of the findings across Indonesia. They also suggest examining additional variables, such as promotions, service quality, customer loyalty, digital literacy, and lifestyle, to provide a more comprehensive understanding of e-wallet adoption behavior.
Author Profile
Syachrul is a researcher from Samarinda State Polytechnic whose academic interests include business administration, consumer behavior, digital marketing, and financial technology adoption. This study was conducted in collaboration with Almasari Aksenta and Siti Nurhasanah, also from Samarinda State Polytechnic, whose research focuses on digital consumer behavior and technology-driven economic transformation.
Research Source
Article Title: The Effect of Perceived Risk, Perceived Ease of Use, Perceived Usefulness, and Security on the Intention to Use the DANA E-Wallet in Samarinda City
Authors: Syachrul, Almasari Aksenta, Siti Nurhasanah
Journal: International Journal of Applied and Scientific Research (IJASR)
Volume & Issue: Vol. 4, No. 4 (2026), pp. 203–218
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