The THE EFFECT OF SECURITY, TRUST, USABILITY ON SHOPEEPAY USER SATISFACTION AMONG GENERATION-Z HIGH SCHOOL STUDENTS

ABSTRACT The rapid development of digital technology has driven high e-wallet usage among Generation Z, particularly high school students. However, this high adoption rate has not been accompanied by adequate digital financial literacy, thereby posing risks related to transaction security and digital financial management. This study aims to examine the influence of security, trust, and usability on ShopeePay user satisfaction among high school Generation Z students in Surakarta. The method used is quantitative with cluster random sampling. Data were collected using a questionnaire with a Likert scale and analyzed through classical assumption tests, multiple linear regression, and hypothesis testing. The results demonstrate that security, trust, and usability have a positive and significant influence on user satisfaction, both partially and simultaneously. The t-test results show that the calculated t-value is greater than the critical t-value and the significance level is less than 0.05, with security being the most dominant variable (calculated t-value 8.097 > critical t-value 1.965). Additionally, the results of the F-test, with calculated F = 166.907 > critical F = 2.6288 and p < 0.05, indicate that the independent variables simultaneously influence user satisfaction. The R-squared value of 57.2% indicates the contribution of the three variables to user satisfaction, while the remaining 42.8% is influenced by other factors outside the scope of this study. It is concluded that the higher the levels of security, trust, and usability, the higher the level of satisfaction among Generation Z high school students in Surakarta. This study contributes to the development of research on digital financial literacy, particularly regarding the factors influencing e-wallet user satisfaction. Keywords: security; shopeepay; trust; usability; user satisfaction ABSTRAK Pesatnya perkembangan teknologi digital mendorong tingginya penggunaan e-wallet di kalangan generasi Z, khususnya siswa SMA. Namun, tingginya adopsi ini belum diiringi tingkat literasi keuangan digital yang memadai, sehingga menimbulkan risiko terkait keamanan traksaksi dan pengelolaan keuangan digital. Penelitian ini bertujuan mengkaji pengaruh security, trust, dan usability terhadap kepuasan pengguna ShopeePay pada generasi Z tingkat SMA di Surakarta. Metode yang digunakan adalah kuantitatif dengan cluster random sampling. Data dikumpulkan menggunakan kuesioner dengan skala Likert dan dianalisis melalui uji asumsi klasik, regresi linear berganda, uji hipotesis. Hasil penelitian membuktikan bahwa security, trust, dan usability berpengaruh positif dan signifikan terhadap kepuasan pengguna, baik secara parsial maupun simultan. Hasil uji t menunjukkan t hitung > t tabel dan nilai sig < 0,05, dimana security menjadi variabel paling dominan yaitu t hitung 8,097 > t tabel 1,965. Serta hasil uji f hitung 166,907 > f tabel 2,6288 dan sig 0,00 < 0,05 menunjukkan bahwa variabel independen secara simultan memengaruhi kepuasan pengguna. Nilai R Square sebesar 57,2% menunjukkan kontribusi ketiga variabel terhadap kepuasan pengguna, sedangkan 42,8% sisanya dipengaruhi faktor lain diluar penelitian. Disimpulkan bahwa semakin tinggi security, trust, dan usability maka semakin besar tingkat kepuasan penggunan generasi Z tingkat SMA di Surakarta. Penelitian ini berkontribusi pada pengembangan kajian literasi keuangan digital, khususnya terkait faktor-faktor yang memengaruhi kepuasan pengguna e-wallet. Kata kunci: keamanan; kemudahan; kepercayaan; kepuasan pengguna; shopeepay