Transformasi Digital Bank Syariah Indonesia: Tantangan Dan Peluang Dalam Era Industri 4.0

This research identifies factors that influence the decision to use e-wallets, with a focus on financial literacy, benefits, convenience, trust, security, social influence and brand image. A literature review was used to evaluate various studies related to e-wallet use. The research results show that financial literacy, benefits, convenience, trust, security, social influence and brand image have a significant influence on the decision to use e-wallet. However, consumer behavior does not have a significant effect. This research recommends that the development of e-wallet services be focused on product quality and promotional strategies that are more appropriate to the market segment.