Analysis of the Impact of E-Wallet Use on Generation Z
: A Comparative Study of Dana and Go-Pay
Abstract
Purpose: This study aims to identify impulse purchase tendencies in consumers who often see promotions and digital payment options and research on digital wallet applications that are most in demand by Generation Z by University of 17 Agustus 1945 Samarinda. A variety of choices of digital wallet applications that can offer convenience and benefits for users are very much a trend today in the Generation Z era. This study uses a qualitative method where interviews and observations are used as data collection techniques. Based on the observations made, it can be concluded that the use of the DANA digital wallet application by UNTAG Samarinda students, especially in generation Z, increases every year, this is marked by the majority of respondents stating that they have a good experience with the DANA application. The DANA application has an advantage over the Go-Pay digital wallet application, namely the absence of additional administrative fees.
Methodology: This study uses natural methods and verbal descriptions in specific contexts through extensive data collection. The respondents in this study are Generation Z students of UNTAG Samarinda with an age range of 18-29 years.
Findings: The results of this study show that more people are interested in using the DANA application than Go-Pay than DANA.
Limitations/implications: This research has several limitations that need to be developed in the future. First, the research only focuses on Generation Z. Second, this research only uses a comparison of two digital applications, DANA and Go-Pay.
Practical implications: This research has several limitations that need to be developed in the future. First, the research only focuses on Generation Z. Second, this research only uses a comparison of two digital applications, DANA and Go-Pay.
Originality/value: This research can be applied to consumers, businessmen, and business merchants.
Paper type: General review
Downloads
References
Bagla, R. K., & Sancheti, V. (2018). Gaps in customer satisfaction with digital wallets: challenge for sustainability. Journal of Management Development, 37(6), 442–451. https://doi.org/10.1108/JMD-04-2017-0144
Chawla, D., & Joshi, H. (2019). Consumer attitude and intention to adopt mobile wallet in India – An empirical study. International Journal of Bank Marketing, 37(7), 1590–1618. https://doi.org/10.1108/IJBM-09-2018- 0256
Fikri, M., & Lisdayanti, A. (2020). Finance & Banking Studies Analysing Promotion Mix and Perceived Usefulness of e-Wallets: A case of Linkaja applications in Indonesia. Fikri and Lisdayanti / International Journal of Finance & Banking Studies, 9(1), 2020. www.ssbfnet.com/ojshttps://doi.org/10.20525/ijfbs.v9i1.665
Isyahran, Rahmadillah et al. (2024) “Penerapan Financial Technology Pada Aplikasi Dana: Survei Di Kalangan Mahasiswa Universitas Medan”. https://www.researchgate.net/publication/378533981_Penerapan_Financial_Technology_Pada_Aplikasi_Dana_Survei_Di_Kalangan_Mahasiswa_Universitas_Medan
Lenhart, A. (2015). Teens, Technology and Friendships. Pew Research Center. Retrieved from https://www.pewresearch.org
Mannheim, K. (1952). The Problem of Generation: Essays on the Sociology of Knowledge. 24(19), 276–322.
Mubarok, Agus Triana Mubarok et al. (2022) “Analisis Dampak Penggunaan Dompet Digital pada Generasi Milenial: Studi Komparasi GoPay dan Ovo/Dana. https://www.researchgate.net/publication/361182324_ANALISIS_TINGKAT_TRANSAKSI_MENGGUNAKAN_APLIKASI_DOMPET_DIGITAL_DANA_OVO_SHOPEEPAY_DAN_GOPAY
PT. Espay Debit Indonesia, DANA Wijaya dan Mulyasari. “Analisis Jenis Sistem Pembayaran Elektronik Dalam Transaksi E-Commerce di Indonesia”. Seminar Nasional Teknologi Informasi dan Komunikasi 2014 SENTIKA 2014). h. 167
Rosmayanti. (2019). Apa Itu Dompet Digital? Retrieved from Retrieved from https://www.wartaekonomi.co.id/read212834/apa-itu-dompet-digital.html
Singh, N., Sinha, N., & Liébana-Cabanillas, F. J. (2020a). Determining factors in the adoption and recommendation of mobile wallet services in India: Analysis of the effect of innovativeness, stress to use and social influence. International Journal of Information Management, 50(May 2019), 191–205. https://doi.org/10.1016/j.ijinfomgt.2019.05.022
Copyright (c) 2025 IJEBD (International Journal of Entrepreneurship and Business Development)

This work is licensed under a Creative Commons Attribution-ShareAlike 4.0 International License.


