Utilization of E-Wallets in Financial Transactions as an Innovation in Digital Payments
DOI:
https://doi.org/10.70992/ysw0eh42Keywords:
E-wallet, Digital Transactions, Financial Innovation, Electronic Payment, Digital LiteracyAbstract
The advancement of digital technology has significantly transformed the landscape of financial transactions. One of the most prominent innovations is the use of e-wallets (digital wallets) as an alternative to cash payments. This study aims to analyze the utilization of e-wallets in financial transactions, identify the factors influencing their adoption, and evaluate the impact of e-wallet usage on the efficiency and security of digital transactions. This research employs a literature review method and secondary data analysis sourced from various references, including industry reports, academic journals, and government publications. The findings indicate that e-wallets have become a popular payment method in various countries, including Indonesia, due to the convenience, speed, and security they offer. Factors such as trust, ease of use, promotional incentives, and technological infrastructure play a critical role in driving the adoption of e-wallets. Moreover, the use of e-wallets has proven to enhance transaction efficiency and minimize the risk of cash loss. However, the study also identifies several challenges in the implementation of e-wallets, including cybersecurity concerns, limited digital literacy, and technological access gaps. Therefore, collaborative efforts from the government, e-wallet service providers, and society at large are essential to addressing these challenges and maximizing the potential of e-wallets as a digital transaction innovation.
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