Determinan Keputusan Penggunaan E-Wallet DANA: Peran Inovasi Teknologi, Keamanan Data, dan Literasi Keuangan Digital (Literature review)

Authors

  • Tiara Setiawati Universitas Bhayangkara Jakarta Raya, Jakarta, Indonesia
  • Ni Nyoman Sawitri Universitas Bhayangkara Jakarta Raya, Jakarta, Indonesia
  • Dovina Navanti Universitas Bhayangkara Jakarta Raya, Jakarta, Indonesia

DOI:

https://doi.org/10.38035/jmpd.v4i1.586

Keywords:

E-wallet, Inovasi Teknologi, Keamanan Data, Literasi Keuangan Digital, Keputusan Penggunaan

Abstract

Perkembangan teknologi digital meningkatkan penggunaan e-wallet sebagai alat pembayaran non-tunai di Indonesia. Keputusan penggunaan e-wallet Dana dipengaruhi oleh inovasi teknologi, keamanan data, dan literasi keuangan digital. Artikel ini bertujuan untuk mensintesis penelitian terdahulu guna merumuskan hipotesis mengenai pengaruh ketiga variabel tersebut terhadap keputusan penggunaan. Metode yang digunakan adalah Systematic Literature Review (SLR) dengan pendekatan kualitatif berdasarkan artikel ilmiah yang relevan. Hasil kajian menunjukkan bahwa inovasi teknologi melalui kemudahan dan manfaat layanan berpengaruh positif terhadap keputusan penggunaan. Keamanan data meningkatkan kepercayaan dan rasa aman, sedangkan literasi keuangan digital memperkuat kemampuan pengambilan keputusan yang rasional. Temuan ini menjadi dasar perumusan hipotesis untuk penelitian empiris selanjutnya.

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Published

2026-03-14

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Vol. 4 No. 1 (2026): Jurnal Manajemen dan Pemasaran Digital (Januari - Maret 2026)

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