E-Wallet Adoption in Digital Payment Services: The Impact of Convenience, Trust, and Lifestyle

The purpose of this study was to analyze the effect of convenience, trust, and lifestyle on the use of e-wallet digital payment services for students in Malang City. This research uses quantitative methods with a descriptive approach. Data was obtained through a survey involving 105 respondents who were e-wallet user students in Malang City. The results of this study indicate that convenience, trust, and lifestyle have a positive and significant influence on the use of e-wallet digital payment services both partially and simultaneously. With a coefficient of determination of 62%, the three independent variables can significantly explain the use of e-wallet digital payment services for students in Malang City. This research emphasizes that e-wallet service provider companies are expected to maintain and improve service quality, and ease of use related to e-wallet operations, especially for students who use e-wallets efficiently to support their lifestyle behavior.