Assessing the Determinants of E-Wallet Adoption: Financial Literacy, Security and Convenience Perception in Kalibukbuk Lovina Village

This study aims to analyze the effect of financial literacy, perception of security, and perception of convenience on the interest in using the LinkAja e-wallet in Kalibukbuk Village, Lovina, Buleleng Regency.The research method used is quantitative with an associative approach.Data collection was carried out by distributing questionnaires to 93 residents as a sample using the non-probability sampling technique.The data was then analyzed using multiple linear regression.The results showed that: (1) financial literacy has a positive and significant effect on the interest in using LinkAja e-wallet; (2) perceived security has a positive and significant effect on the interest in using; (3) perceived convenience also has a positive and significant effect on the interest in using.Simultaneously, these three variables have a significant effect of 51.9% on the interest in using, while the rest is influenced by other factors outside the research model.The implications of this study are the need to improve public financial literacy, strengthen the security system, and simplify the e-wallet interface to increase interest in use.Further research is recommended to explore additional factors that may influence interest in using e-wallets.