Ease of use perception, trust, risk and transactions using e-money intention; a case study on MSME in Malang Indonesia

The research analyzes the effect of perception ease of use, trust, and risk on interest in transactions using e-money. The sampling technique uses simple random sampling with a sample of 100 MSME owners. Methods of data collection use questionnaires. The data was analyzed using multiple linear regression analysis using SPSS version 25. The result of the perception of ease of use and trust has a positive and significant effect on interest in a transaction using e-money, and risk has a negative and no significant impact on appeal in a transaction using e-money.