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.