Pengaruh Kemudahan Penggunaan dan Kepercayaan terhadap Minat Penggunaan E-Money dalam Mendukung Ekonomi Digital pada Mahasiswa Universitas Palangka Raya

This study examines the effects of perceived ease of use and trust on the intention to use e-money among students of Universitas Palangka Raya. A quantitative approach was applied to 90 students of the Faculty of Economics and Business selected through purposive sampling. Data were collected using a questionnaire and analyzed through multiple linear regression with SPSS version 26. The reported results indicate that perceived ease of use (t = 5.436; p < .001) and trust (t = 4.757; reported p = .004) have positive and statistically significant partial relationships with intention to use e-money. The model is also reported to be significant simultaneously (F = 15.767; p < .001), with R² = .266. Thus, the two predictors explain 26.6% of the variation in the dependent variable in this sample, while 73.4% is associated with factors outside the model. These findings are limited