Factors Influenced User Interest in Payment Transaction of ShopeePay Digital Wallet Application

The value of transactions has increased along with the dangers involved due to technological advancements, but because each Digital Wallet Application provides a guarantee of the performance of the payment system, it is in the interest of Indonesian users to support the growth of the financial system because the country desperately needs a secure and efficient payment system. This study's goal was to identify the variables that affect users' interest in payment transactions for the ShopeePay digital wallet application. The study is grounded in the technology acceptance model (TAM). Users of applications from the millennial to generation z age group, ranging in age from 16 to 50 years, were given questionnaires to complete in order to gather the research data. Multiple linear regression analysis was used to analyze the data, and IBM SPSS Statistics 25.0 software was used. The findings demonstrated that perceived utility, perceived security and perceived usability had an impact on customer intention, however perceived risk, and perceived rewards, had no bearing on the intention of customers using ShopeePay Digital Wallet. According to the findings of these research, learning the system is simple, and users can profit from higher production as well as more efficacy and efficiency. Users of the ShopeePay Digital Wallet application may feel differently as a result.