Pengaruh Kemudahan, Keamanan, dan Inovasi Teknologi terhadap Kepuasan Pengguna dengan Preferensi Platform Pembayaran Digital sebagai Variabel Moderasi

Digital transformation in the financial sector has accelerated the adoption of digital payment platforms such as e-wallets in Indonesia. This study aims to examine the effect of ease of use, transaction security, and technological innovation on user satisfaction, with digital payment platform preference as a moderating variable. The study employs a quantitative approach using a survey method with 200 respondents who are active users of digital payment services in Yogyakarta. Data were analyzed u