Determinants of DANA E-Money Adoption in Semi-Urban Indonesia: The Interplay of Security, Service Features, Ease of Use, and Trust

Abstract

This study investigates how perceived ease of use, service features and security shape intention to use DANA e‑money in Karanganyar Regency, a semi‑urban area in Central Java, Indonesia. Digital payment adoption in such settings is increasing, yet user intention remains influenced by trust, security concerns, infrastructure and user readiness. A quantitative survey was conducted with 100 DANA users aged 17 years and above selected through purposive sampling. Data were collected using a five‑point Likert questionnaire and analyzed using multiple linear regression in SPSS after validity, reliability and classical assumption tests. The results show that ease of use, service features and security each have a positive and significant effect on intention to use DANA, both partially and simultaneously, with an adjusted R² of 0.694. Security emerges as the strongest predictor, followed by service features and ease of use, indicating that perceived protection is more decisive than convenience and functionality in this semi‑urban digital payment context. The study contributes regency‑level evidence to the digital payment literature and clarifies the relative importance of usability‑ and security‑related perceptions in e‑money adoption. Practically, the findings suggest that providers should prioritize visible security safeguards, relevant and integrated service features and simple interfaces to support safe and inclusive cashless transactions in similar regions.