A19-v The Effect of Technical Skills and Digital Literacy on Transaction Efficiency in the Use of the ShopeePay E-Wallet
DOI:
https://doi.org/10.35335/ijafibs.v13i4.460Keywords:
Digital Literacy, E-Wallet, ShopeePay, Technical Skills, Transaction EfficiencyAbstract
The development of digital technology has driven a significant increase in the use of cashless payment systems, one of which is the ShopeePay e-wallet. Transaction efficiency has become a critical factor in evaluating the success of e-wallet adoption, as it is influenced not only by the availability of advanced technology but also by users’ readiness and capabilities. This study aims to analyze the effects of technical skills and digital literacy on transaction efficiency in the use of the ShopeePay e-wallet. This research employs a quantitative approach with a causal research design and is analyzed using Partial Least Squares–Structural Equation Modeling (PLS-SEM) through the SmartPLS software. The data were collected from active ShopeePay users who met the research criteria. The results indicate that technical skills have a positive and significant effect on transaction efficiency, with a path coefficient of 0.734 and a T-statistics value of 11.838. In addition, digital literacy is also proven to have a positive and significant effect on transaction efficiency, with a path coefficient of 0.233 and a T-statistics value of 3.555. These findings demonstrate that technical skills exert a more dominant influence than digital literacy in enhancing the transaction efficiency of ShopeePay. Therefore, improving the efficiency of e-wallet transactions depends not only on the sophistication of the payment system but also on the enhancement of users’ technical skills and digital literacy. This study is expected to contribute to the development of user education strategies and the improvement of e-wallet service quality in Indonesia.
References
Aldoghan, M. A., & Mirzaliev, S. (2025). The impact of digital literacy on e-wallet usage intention. ResearchGate.
Budiman, A., Laksana, R. D., & Aydogmus, I. (2025). The benefits, effectiveness, and risks of ShopeePay: Shaping consumer interest. Jurnal Konsep Bisnis Dan Manajemen.
Candy, C., Shellyna, S., Justyanita, J., & Kristiani, K. (2025). Niat adopsi generasi Z terhadap solusi pembayaran digital FinTech. Business Management Journal.
Darmawan, M., & Wenerda, I. (2025). Digital literacy as the basis for the use of digital wallets during COVID-19 pandemic. Universitas Ahmad Dahlan Research.
Ferani, N., & Kristiyanti, L. M. S. (2025). Analisis faktor-faktor yang berpengaruh terhadap niat berkelanjutan penggunaan e-wallet ShopeePay. Jurnal Ilmiah Manajemen Dan Akuntansi.
Hair, J. F., Hult, G. T. M., Ringle, C. M., & Sarstedt, M. (2021). A primer on partial least squares structural equation modeling (PLS-SEM). Sage Publications.
Hajar, A. S., Priyatna, A., & Djaelani, G. P. (2024). Pengaruh literasi keuangan dan kemudahan penggunaan terhadap keputusan penggunaan ShopeePay pada mahasiswa. Jurnal Bisnis, Manajemen, Dan Keuangan.
Hapsari, N., & Wibowo, A. (2023). Pengaruh literasi digital terhadap kemudahan transaksi QRIS pada pengguna dompet digital. Jurnal Teknologi Dan Bisnis Digital, 5(2), 112–123.
Lestari, D., & Mahardika, R. (2021). Efisiensi transaksi pada layanan dompet digital: Analisis faktor pengguna dan teknologi. Jurnal Sistem Informasi Indonesia, 7(1), 45–54.
Listasari, A., & Dwihandoko, T. H. (2025). Pengaruh transaksi online terhadap minat penggunaan ShopeePay sebagai layanan e-money. Jurnal Manajemen Bisnis Era Digital.
Lutfi. (2024). Pengaruh efisiensi, literasi finansial, dan digital capability terhadap tendensi penggunaan digital payment (e-wallet). Jurnal BAABU AL-ILMI.
Maulidiya, Z., & Khusnudin. (2025). E-wallet adoption in digital payment services: The impact of convenience, trust, and lifestyle. Formosa Journal of Multidisciplinary Research.
Molwen, E., Caroline, C., Tamia, B. A., Yulina, D., & Yossinomita, Y. (2025). Persepsi manfaat dan kemudahan dalam penggunaan e-wallet DANA. Jurnal Manajemen Teknologi Dan Sistem Informasi.
Oktaviani, F. (2022). Kemampuan teknis dan pengaruhnya terhadap efektivitas penggunaan e-wallet pada mahasiswa. Jurnal Ekonomi Dan Teknologi Informasi, 9(3), 210–220.
Prasetyo, B., & Sutopo, A. (2021). Teknologi digital dan kompetensi pengguna dalam era transformasi keuangan. Prenadamedia Group.
Putri, K. K., & Friyatmi. (2023). How financial and digital literacy shape e-wallet adoption decisions. Journal of Educational Management Research, 4(2), 85–97. https://doi.org/10.61987/jemr.v4i2.973
Rahmatullah, R. (2025). Digitalisasi pembayaran: Peran e-wallet dan fintech pada ekonomi digital. Jurnal Economina, 4(6). https://doi.org/10.55681/economina.v4i6.1560
Raisah, R., & Rahagi, S. (2024). Enhancing digital payment adoption: The impact of digital literacy on e-wallet usage intention. ResearchGate.
Ramadhan, R. (2020). Analisis efisiensi transaksi pada pembayaran non-tunai. Jurnal Keuangan Dan Teknologi, 2(1), 55–66.
Rengganis, F. M., & Lestari, B. A. H. (2024). The impact of e-wallet effectiveness and efficiency in financial management. Formosa Journal of Science and Technology, 3(7), 1661–1674.
Sholikah, M., & Wibowo, E. (2025). Pengaruh literasi keuangan digital, persepsi kemudahan, dan gaya hidup Gen Z terhadap minat penggunaan e-wallet ShopeePay. Jurnal Riset Manajemen Dan Ekonomi.
Sugeng, R., Muliana, & Annisa, I. (2025). Pengaruh literasi keuangan terhadap manajemen keuangan pribadi dengan penggunaan ShopeePay. Jurnal Ilmiah Ekonomi Islam.
Sugiyono. (2022). Metode penelitian kuantitatif, kualitatif, dan R&D. Alfabeta.
Tavid, K. A. (2024). Hubungan digital financial literacy, facilitating conditions, dan e-wallet adoption di Indonesia. Jurnal Ilmu Manajemen.
Utami, E. Y., Hendrayani, E., Nitawati, E. Y., Nuraini, L., & Kalalo, R. R. (2025). Eksplorasi penggunaan e-wallet ShopeePay pada mahasiswa di Indonesia. Jurnal Ilmiah Edunomika.
Downloads
Published
How to Cite
Issue
Section
License
Copyright (c) 2026 International Journal of Applied Finance and Business Studies
This work is licensed under a Creative Commons Attribution-NonCommercial 4.0 International License.
