Analysis of Convenience, Trust and Security of E-Wallet (Shopee Pay) Through Understanding Technology as an Intervening Variable

This research aims to analyze convenience, trust and security in decisions to use electronic wallets (Shopee Pay) with an understanding of technology as an interceding variable. This investigate is quantitative investigate that collects data through questionnaires. The research sample consisted of 100 Shopee Pay users in Sidoarjo Regency using a sampling technique, namely purposive sampling. Data analysis includes hypothesis testing and data processing using SPSS v.25. The study concluded that convenience, trust and security through understanding technology influence the decision to use E-Wallet (Shopee Pay).