The Influence of Ease of Use, Trust, Lifestyle and Digital Payment System on Financial Management of Community Users of Dana E-Wallet in Pontianak City

The development of digital technology has a major impact on business activities and daily life, including in the payment system. One form of digitalization is the use of e-wallets such as Dana, which provide easy non-cash and non-card transactions. This study aims to determine the effect of ease of use, trust, lifestyle, and digital payment systems on the financial management of Dana e-wallet users in Pontianak City. The method used is associative quantitative research, with a sample of 150 respondents selected through purposive sampling techniques. The research instrument was a questionnaire using a Likert scale, and the data was analyzed using multiple linear regression as well as t-test and F-test. The results of the study showed that ease of use, trust, and digital payment systems partially had a positive and significant effect on financial management. Meanwhile, lifestyle had a negative and significant effect, indicating that a consumptive lifestyle can hinder financial management even though it is supported by technology. Simultaneously, these four variables contributed 50.4% to financial management, while the rest was influenced by other factors. These findings show the importance of easy-to-use and trusted technology in supporting effective financial management, but lifestyle control is still needed so that technology can be utilized optimally.