Publication Details
Abstract
This study explores the influence of e-security, e-trust, and perceived ease of use on user satisfaction with the DANA digital financial application in Jember Regency, Indonesia. The rapid growth of fintech in Indonesia has transformed the financial landscape, providing more accessible and efficient financial services. However, user satisfaction is crucial for the continued success of digital financial services. Using a quantitative research approach, this study utilized a questionnaire based on a Likert scale to measure the perceptions of DANA users regarding e-security, e-trust, and perceived ease of use. The findings show that all three independent variables significantly impact user satisfaction, with e-trust having the greatest influence. Regression and t-test analyses confirm that these factors positively contribute to e-satisfaction, highlighting the importance of robust security, trust-building efforts, and user-friendly interfaces. The study emphasizes that improving these elements is essential for enhancing the overall user experience and sustaining long-term engagement with digital financial services. These insights can guide digital financial service providers in improving security features and customer service to meet user expectations and contribute to financial inclusion in Indonesia.