PENGARUH USER EXPERIENCE DAN KEPERCAYAAN TERHADAP KEPUASAN PENGGUNA DOMPET DIGITAL DANA DALAM PERSPEKTIF EKONOMI SYARIAH

(Pada Mahasiswa Fakultas Ilmu Keislaman Universitas Islam Al-Ihya Kuningan)

Abstrak

Financial technology innovations, particularly digital wallets, have shifted societal transaction patterns toward cashless methods. DANA is one of the most popular digital wallets in Indonesia; however, users still face challenges regarding interface experience quality and trust in system security. This study aims to analyze the influence of User Experience and Trust on DANA User Satisfaction from the perspective of Islamic economics among students of the Faculty of Islamic Sciences, Universitas Islam Al-Ihya Kuningan. The research method used is quantitative causal associative. Primary data was collected via questionnaires using a purposive sampling technique from 100 student users of DANA. Data analysis was conducted using multiple linear regression with SPSS. The results show that partially, User Experience (t-value = 5.075; p = 0.000) and Trust (t-value = 6.593; p = 0.000) have a positive and significant effect on User Satisfaction. Simultaneously, both variables also significantly influence user satisfaction with a contribution of 65.3% (F-value = 91.113; p = 0.000). In the perspective of Islamic economics, an optimal User Experience reflects the principles of maslahah and taisir (ease), while high trust reflects the values of amanah (trustworthiness) and shidq (honesty). The integration of both factors collectively manifests the principle of mutual consent ('an taradhin) in digital transactions.