Analysis Of E-Wallet Use In Economic Transactions Of State Civil Apparatus (ASN) In Tarum Village, Prajekan District, Bondowoso Regency

Alvyna Putri Rianita; Fahrudin

doi:10.63922/ijebir.v5i05.5563

Alvyna Putri Rianita Nurul Jadid University, Paiton, Probolinggo
Fahrudin Nurul Jadid University, Paiton, Probolinggo

DOI: https://doi.org/10.63922/ijebir.v5i05.5563

Keywords: E-Wallet, economic transactions, State Civil Apparatus (ASN

Abstract

The development of digital technology has driven changes in the economic transaction system through the use of Electronic Wallets (E-Wallets) as a non-cash payment method. However, the use of E-Wallets in rural areas is not yet fully optimal because its use is still limited to certain types of transactions and has not become a habit in daily economic activities. This study aims to analyze the use of E-Wallets in economic transactions of State Civil Apparatus (ASN) and identify factors that influence its use in Tarum Village, Prajekan District, Bondowoso Regency. The study used a qualitative interpretative approach with a purposive sampling technique using the maximum variation sampling model. The research informants consisted of eight ASN with varying levels of E-Wallet utilization. Data were collected through observation, in-depth interviews, documentation, and literature studies, then analyzed through the stages of data reduction, data presentation, and drawing conclusions. The results showed that DANA and ShopeePay were utilized by ASN for various transactions, such as money transfers, bill payments, purchasing phone credit and data packages, and online shopping, with varying levels of usage. While e-wallet use offers convenience and efficiency in transactions, it has not yet completely replaced cash. Factors driving e-wallet adoption include ease of use, transaction convenience, and internet network support, while inhibiting factors include the habit of using cash transactions and environmental conditions that do not fully support digital payments. This study also shows that the level of understanding of application usage and concerns about data security and privacy are not the main factors influencing e-wallet adoption.

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