Abstract

All activities carried out by the community are now influenced by digital processes. including online payment activities or the term e-money. The growth of e-wallet is driven by many developments in payment systems that can replace the presence of cash as a means of payment into non-cash payments that are more efficient and effective. This explains that there is a changing lifestyle in society in the digital era, using a cashless system more. E-money transactions increased during PSBB. One of the e-wallet that is now widely used by the public is OVO.

This study was conducted with the aim of knowing how the effect of perceived convenience, perceived benefits, and perceived security on interest in using OVO in Central Java. The researcher uses a research that uses descriptive and causal types with a quantitative approach and uses a non-probability sampling data collection method with a purposive sampling type. The number of samples used in this study were 400 respondents. The data analysis method used is path analysis, data analysis using SmartPLS software version 3.1.

The results of this study indicate that the perceived convenience variable has a positive and insignificant effect on interest in using. The perceived benefit variable has a positive and significant effect on interest in using. The security perception variable has a positive and significant effect on interest in using.

Keywords: Perceived of Ease, Perception of Benefits, Perceptions of Security, Interest in Using