Mekanisme Keberlanjutan Digital Payment Generasi Z: Bukti Empiris Pengaruh Literasi Digital dan Fitur Aplikasi yang Dimoderasi oleh Persepsi Kemudahan
DOI:
https://doi.org/10.53512/valid.v23i2.641Keywords:
application features, digital literacy, digital payment, perceived ease of useAbstract
This research aims to examine the impact of digital literacy and application features on the sustainability of digital payment usage, as well as to analyze the moderating role of perceived ease of use in this relationship. The study employs a quantitative approach utilizing Partial Least Square Structural Equation Modeling (PLS-SEM) through SmartPLS 4 software. The respondents of the study consist of 155 Generation Z individuals from the Special Region of Yogyakarta, selected using purposive sampling techniques. The findings indicate that digital literacy, application features, and perceived ease of use have a positive and significant effect on the sustainability of digital payment usage. This study identifies that perceived ease of use is the strongest predictor in promoting sustainability of usage. However, the moderation test reveals that perceived ease of use is not significant in moderating the relationship between digital literacy and application features concerning sustainability of usage. This underscores that for Generation Z individuals with high digital literacy, ease of use acts as a direct determinant on its own rather than as a reinforcing factor in the relationship with other variables
References
Anasfi, K., & Afwa, A. (2025). The Effect of Ease of Use, Perception of Usefulness, and Electric Trust on Satisfaction of Using QRIS as a Digital Payment Method (Case Study of Cofeeshop Consumers in Pekanbaru City). Jurnal Apresiasi Ekonomi, 13(2), 328–340. https://doi.org/doi.org/10.31846/jae.v13i2.952
Asaif, J. M., Suripto, Wardianto, K. B., & Wulandari, J. (2025). The Influence of Digital Financial Literacy, Perceived Ease of Use, Perceived Usefulness, Social and Political on The Intention and Use Behavior of Using QRIS as a Payment System in Traditional Retail. The Eastasouth Journal of Social Science and Humanities, 2(3), 302–312. https://doi.org/10.58812/esssh.v2i03
Banutama, B., Hatta, A. J., Biyanto, F., & Kristiana, D. R. (2024). KEPUTUSAN PENGGUNAAN E-WALLET SEBAGAI ALAT TRANSAKSI DIGITAL: SEBUAH KAJIAN LITERATUR 2012-2023. JIAKu: Jurnal Ilmiah Akuntansi Dan Keuangan, 3(4), 301–318. https://doi.org/10.24034/jiaku.v3i4.7025
Baron, R. M., & Kenny, D. A. (1986). The Moderator-Mediator Variable Distinction In Social Psychological Research: Conceptual, Strategic, And Statistical Considerations. . Journal of Personality and Social Psychology, 51, 1173–1182. https://doi.org/10.1037//0022-3514.51.6.1173
Davis, F. D. (1989). Perceived Usefullness, Perceived Ease of Use, and Acceptance of Information System Technology (Vol. 3). MIS Quarterly.
Gilster, P. (1997). Digital Literacy. Wiley Computer Publishing.
Hair, J. F., Ringle, C. M., & Sarstedt, M. (2011a). PLS-SEM: Indeed a silver bullet. Journal of Marketing Theory and Practice, 19(2).
Hair, J. F., Ringle, C. M., & Sarstedt, M. (2011b). PLS-SEM: Indeed a silver bullet. Journal of Marketing Theory and Practice
Hasmiana, & Syamsuddin, F. R. (2025). The Influence of Perceived Ease of Use on Behavioral Intention Through Perceived Usefulness as an Intervening Medium in Digital Payment DANA. Jurnal Ekonomi Resources, 7(2), 340–360. https://doi.org/doi.org/10.57178/jer.v7i2.1122
Jogiyanto. (2007). Sistem Informasi Keperilakuan. Andi Offset.
Kasidjo, Darusman, H., & Putri, R. A. E. (2025). Pengaruh Kepercayaan, Fitur Layanan Dan Resiko Terhadap Minat Penggunaan Digital Payment Pada Aplikasi DANA (Dompet Digital Indonesia) Di Kecamatan Tambun Selatan. Jurnal Ekonomi Dan Bisnis, 5(1), 129–149. https://doi.org/10.56145/ekobis.v5i1.305
Kotler, P., & Keller, L. (2017). Marketing Management (15th ed.). Pearson Prentice Hall.
Maulana, F. B., Nazar, S., Naim, Ryando, M. B., & Ramdhan Syaipul. (2024). The Influence of Digital Payment Service Features on Consumers Ease in Transacting in E-Commerce. International Conferences on Business Economics, Social Sciences & Humanities, 7, 1218–1233. https://doi.org/doi.org/10.34010/icobest.v7i.634
Meltware, & We Are Social. (2025). 2025 Global Digital Report. Meltware. https://datareportal.com/reports/digital-2025-indonesia
Novinda, A. P., Muzakki Kafidin, Wicaksono, A., & Fahriani, D. (2025). Pengaruh Literasi Digitaldan Literasi Keuangan Pada Keputusan Metode Pembayaran UMKM Bapgo. JAFM: Journal of Acconting and Finance Management, 6(2), 526–534. https://doi.org/10.38035/jafm.v6i2
Pertiwi, A. K. (2025). Pengaruh Literasi Keuangan dan Literasi Digital terhadap Preferensi Konsumen pada Pembayaran Digital. DIGITIVE: Indonesian Journal of Digital Business, Management, and Accounting, 1(1), 42–48.
Population Today. (2025). Population Today. Population Today. https://populationtoday.com/id/id-indonesia/
Putri, F. A., Marandika, M. A., Azizah, R. N., Purnamasari, H., & Asnaini. (2024). Pengaruh Literasi Keuangan Dan Literasi Digital Terhadap Minat Penggunaan Digital Payment Pada Mahasiswa. Borneo Islamic Finance and Economics Journal, 4(2), 1–19. https://doi.org/10.21093/bifej.v4i2.9489
Putri, T. G., & Amin, M. N. (2024). Pengaruh Risiko dan Kepercayaan terhadap Minat Penggunaan Fintech Pinjaman Online dengan Kemudahan Penggunaan sebagai Variabel Moderasi. Jurnal Ekonomi Trisakti, 4(2), 175–184. https://doi.org/10.25105/jet.v4i2.19793
Selda, M. M. N., & Nyhus, E. K. (2022). Financial Vulnerability, Financial Literacy, and the Use of Digital Payment Technologies. Journal of Consumer Policy, 45, 281–306. https://doi.org/doi.org/10.1007/s10603-022-09512-9
Sibuea, C. A., Simorangkir, H. H., Nababan, C., Nadapdap, T. I., & SIpayung, R. (2023). Pengaruh Literasi Keuangan dan Kemudahan Penggunaan terhadap Keputusan Penggunaan Uang Digital. Jurnal Maneksi, 12(3).
Sugiyono. (2018). Metode Penelitian Kombinasi (Mixed Methods). Alfabeta.
Sugiyono. (2019). Metode Penelitian Kuantitatif, Kualitatif, dan R&D. Alfabeta.
Veraniazzahra, N., & Listiawati, R. (2023). Pengaruh Perceived Usefulness, Perceived Credibility, dan Features Terhadap Minat Menggunakan Bank Digital SeaBank di Jabodetabek. Seminar Nasional Akuntansi Dan Manajemen, 3, 1–9.
Downloads
Published
How to Cite
Issue
Section
License
Copyright (c) 2026 Dhea Az-Zahra, Priyastiwi
This work is licensed under a Creative Commons Attribution-ShareAlike 4.0 International License.
