Pengaruh Perceived Ease of Use, Perceived Usefulness Terhadap Keputusan Penggunaan OVO Pada Generasi Z di Kota Medan

Abstract

The development of the finance technology industry has encouraged the growth of digital wallet (e-wallet) usage among the younger generation, particulary generation Z. One of the most popular e-wallet services in Indonesia is OVO. However, the high competition within the digital financial services industry requires companies to understand the factors that influence usage decisions. This study aims to analyze the influence of perceived ease of use and perceived usefulness on the decision to use OVO among generation Z in Medan City. This research uses a quantitative approach with associative methods. The sample consisted 97 respondents who are OVO users from generation Z in Medan City, and were determined using purposive sampling technique. Data collection was carried out through distributing questionnaires and google forms. Data analysis techniques include validity tests, reliability tests, classical assumption tests, multiple linear regression analysis, and hypothesis testing to determine the influence of each variable. The results showed that the variables perceived ease of use (X₁) and perceived usefulness (X₂) have a positive and significant influence on usage decisions (Y) both partially and simultaneously. The results of multiple linear regression analysis show an adjusted R2 of 0.573, which means that 57% of the variation in usage decisions can be explained by the two independent variables. This finding confirms that Generation Z's usage decision towards OVO is strongly influenced by their perceptions of the app’s ease of use and usefulness