The Influence of Perceived Usefulness, Perceived Ease of Use, and Perceived Security on Reuse Intention of DANA E-Wallet Among Generation Z

ABSTRACT ; The competition among e-wallet providers has been elevated by the rapid growth of digital payment platforms, particularly in the pursuit of attracting and retaining Generation Z users. This study examined how Generation Z users in Bandung, Indonesia, perceived about the DANA e-wallet's perceived usefulness, perceived ease of use, and perceived security. According to the results, reuse intention is significantly positively impacted by all three variables. In particular, perceived usefulness measures how much Generation Z thinks DANA helps with everyday financial operations. According to perceived ease of use, a straightforward and effective interface promotes consistent use. Furthermore, perceived security emphasizes how crucial risk minimization and trust are to sustaining user interaction with digital payment services. This study expands upon the Technology Acceptance Model by including security as a crucial component in the explanation of reuse intention in the context of e-wallets. The findings offer tangible evidence that Generation Z's post-adoption behavior is significantly influenced by security perception in addition to usefulness and ease of use. DANA e-wallet providers are recommended to implement a three-pronged approach from a managerial standpoint. First, increase perceived usefulness by adding more services that fit the lifestyles of Generation Z. Second, enhance perceived ease of use via accessible in-app assistance, simplified transaction procedures, and an intuitive user interface. Third, install advanced cybersecurity systems, protect data privacy, and carry out training programs to reduce fraud risks in order to increase perceived security. By addressing these factors,the DANA e-wallet can successfully boost reuse intention and ensure long-term loyalty among Generation Z users.