The Influence of Perceived Usefulness, Perceived Ease of Use and Perceived Security on Behavioral Intention to Use ShopeePay in Surabaya

Maulana Andika Azidin Putra; Dhiyan Septa Wihara

doi:10.63922/ijebir.v5i03.3307

Maulana Andika Azidin Putra Surabaya State University
Dhiyan Septa Wihara Surabaya State University

DOI: https://doi.org/10.63922/ijebir.v5i03.3307

Keywords: Digital Payment, Perceived Usefulness, Perceived Ease of Use, Perceived Security, Behavior Intention to Use.

Abstract

Rapid digital change has brought significant changes to people's activities, especially in conducting financial transactions that have shifted to digital wallets such as ShopeePay. There are inconsistencies in the results of various previous studies regarding security factors, thus indicating the need for a more in-depth study of the relationship between variables in technology acceptance. Therefore, this study aims to specifically determine the effect of Perceived Usefulness (PU), Perceived Ease of Use (PEU), and Perceived Security (PS) on Behavioral Intention to Use (BIU) or the intention to use the ShopeePay application in Surabaya City. This study uses a quantitative approach with a survey method through questionnaire data collection measured with a 5-category Likert Scale. Sampling involved 126 respondents who are ShopeePay application users domiciled in the Surabaya City area. The data were then analyzed using multiple linear regression statistical testing with the help of the Statistical Package for the Social Sciences (SPSS) instrument. Based on the results of partial testing (T-Test), the results showed that the variables Perceived Usefulness and Perceived Ease of Use have a positive and significant influence on Behavioral Intention to Use. On the other hand, the Perceived Security variable was shown to have no significant effect on Behavioral Intention to Use. However, based on simultaneous testing (F-test), Perceived Usefulness, Perceived Ease of Use, and Perceived Security all had a significant effect on Behavioral Intention to Use.

References

BPS Surabaya City. (2025). Surabaya City in Figures 2025.
Davis, F.D. (1989). Perceived Usefulness, Perceived Ease of Use, and User Acceptance of Information Technology. Management Information Systems Research Center, University of Minnesota, 13(3), 319–340.
Diva, M., & Anshori, I. (2024). The Use of E-Wallets as a Digital Transaction Innovation: A Literature Review. Journal of Global and Multidisciplinary, 2(6), 1991–2002. https://journal.institercom-edu.org/index.php/multiple
Hertanto, E. (2017). Differences between the five-point Likert scale and the modified four-point Likert scale. Research Methodology, 2.
Izzul Wafa. (2025, July 25). E-Wallets Will Become the Favorite Digital Payment Method in 2025. GoodStats.
Jr., J.F.H., Matthews, L.M., Matthews, R.L., & Sarstedt, M. (2017). PLS-SEM or CB-SEM: updated guidelines on which method to use. International Journal of Multivariate Data Analysis, 1(2), 107. https://doi.org/10.1504/IJMDA.2017.087624
Kerans, FDD, Widyastuti, U., & Berutu, MB (2025). The Influence of Perceived Usefulness, Perceived Ease of Use, and Perceived Security on Continuance Intention through Trust. ULIL ALBAB: Multidisciplinary Scientific Journal, 4(9).
Mulandari, P.O., & Asyhari, A. (2025). The Influence of Perceived Security and Perceived Ease of Use on Repurchase Intention Through Customer Satisfaction on the Dana Application in Semarang City. ECo-Buss, 8(2), 1395–1410. https://doi.org/10.32877/eb.v8i2.3253
Surabaya City Government. (2024, January 29). Cashless Parking Payments to Begin in February 2024, Mayor Eri: Honesty Starts with Cashless. https://www.surabaya.go.id/id/berita/9819/bayar-parkir-via-cashless-mulai-diterapkan-februari-2024-wali-kota-eri-kejujuran-dimulai-dengan-non-tunai
Prof. Dr. Sugiyono. (2013). QUANTITATIVE QUALITATIVE RESEARCH METHODS AND R&D (19th ed.). ALPHABET.
Rosaria Marbun, S., Riyanto, D., & Ningrum, L. (2025). Analysis of the Level of Interest and Understanding of Digital Wallets (E-Wallets) in Supporting Financial Recording in Micro-Entrepreneurs. J-CEKI: Jurnal Cendekia Ilmiah, 4(6).
Sambodo, TP, Marzuki, Yudhantara, SM, & Widiastuti. (2024). RESEARCH METHODS: A COMPLETE GUIDE TO QUANTITATIVE, QUALITATIVE, AND MIXED RESEARCH (1st ed.). PT Media Penerbit Indonesia.
Sari, NH, & Fasa, MI (2025). PT. Media Akademik Publisher THE ROLE OF SHOPEEPAY IN INCREASING DIGITAL TRANSACTIONS IN THE SHOPEE MARKETPLACE. JMA), 3(4), 3031–5220. https://doi.org/10.62281
Syah, PA, Rachma, N., & Athia, I. (2024). The Influence of Perceived Ease of Use, Perceived Usefulness and Perceived Security on Customer Satisfaction of Dana E-Wallet Users among Feb Students of the Islamic University of Malang Class of 2020-2023. E – Journal of Management Research, 13(1).
Wahyuningsih, D., & Nirawati, L. (2022). THE EFFECT OF CONVENIENCE AND SECURITY ON CUSTOMER LOYALTY OF THE DANA APPLICATION E-WALLET. Journal of Economic Education (JURKAMI), 7(3), 435–445. https://doi.org/10.31932/jpe.v7i3.2123