The Influence of Biometric Authentication on Electronic Wallet Security Towards Perceptions of Gen Z Usage Behavior

This study explores the impact of technological developments on Generation Z, especially the security of transactions using electronic payment methods. By focusing on understanding attitudes, behavior, and challenges related to technology, this research aims to identify the factors that influence Generation Z's behavior toward the security of electronic payment transactions. The data collection process was carried out from April 19, 2024, to April 26, 2024, in this research by asking questions via Google Forms. This method was chosen to explore various factors that influence the use of e wallets in Generation Z. A total of 194 responses were collected from 200 participants who have used or are currently using e wallets. Of these respondents, 121 women (62.4%) reported using e-wallets, while 73 men (37.6%) reported using e-wallets. The methodology used in this research uses Partial Least Squares Structural Equation Modeling (PLS-SEM) and SMART-PLS 3 software. The results validate 22 of the 28 indicators considered. This validation is proven through observations of external loads which are in the range of 0.7 to above 0.9. However, it should be noted that indicators such as ATU3, ATU5, PEU2, PEU5, SE5, and UB4 show external loading outside the range mentioned above, thus making them invalid. This study emphasizes the statistical significance of these factors, providing insight into their role in shaping Generation Z's attitudes toward electronic payment adoption.本研究探讨技术发展对Z世代（Generation Z）的影响，尤其聚焦电子支付方式的交易安全议题。本研究以理解与技术相关的态度、行为及挑战为切入点，旨在识别影响Z世代电子支付交易安全性相关行为倾向的各类因素。本次数据收集于2024年4月19日至4月26日期间开展，通过谷歌表单（Google Forms）发放问卷完成。选择该调研方式，意在探究影响Z世代使用电子钱包（e-wallets）的各类潜在因素。本次研究共从200名曾使用或正在使用电子钱包的参与者中回收194份有效回复。其中，121名女性受访者（占比62.4%）表示有电子钱包使用经历，73名男性受访者（占比37.6%）亦存在相关使用行为。本研究采用偏最小二乘结构方程模型（Partial Least Squares Structural Equation Modeling, PLS-SEM）与SMART-PLS 3软件作为分析方法。研究结果对28项待验证指标中的22项完成了有效性验证，该验证通过外部载荷值处于0.7至0.9以上的观测结果得以证实。但需注意，ATU3、ATU5、PEU2、PEU5、SE5及UB4等指标的外部载荷值未落在上述区间内，因此判定为无效指标。本研究着重凸显了上述因素的统计学显著性，为理解Z世代电子支付采纳态度的形成机制提供了理论参考与洞察视角。