The development of Information Technology (IT) in the economy not only simplifies workflows but also enhances the effectiveness of time and financial management while encouraging an integrated economic system among users.

One of the IT innovations that has successfully transformed the trade sector—especially in transaction methods—is the existence of E-Wallets or Digital Wallets. The E-Wallet is a product of advancements in Information Technology that allows users to store money and perform non-cash (cashless) payment transactions.

The preference for E-Wallets is driven by various factors, chief among them being that E-Wallets offer an ease of access solution, especially in today's fast-paced economy. The system supporting E-Wallet performance provides solutions for fast, accurate transactions and seamlessly integrated services—truly a modern economic innovation and a hallmark of the cashless society era.

Furthermore, the presence of Near Field Communication (NFC) features on various modern high-end smartphones offers greater accessibility in supporting E-Wallet transactions. The use of E-Wallets is no longer limited to large stores or institutions. The majority of MSME (Micro, Small, and Medium Enterprises) entrepreneurs also provide services such as QRIS (Quick Response Code Indonesian Standard), having partnered with banking services and other providers like Gopay, OVO, and Shopee—subsequently boosting the adoption and use of E-Wallets in the retail sector.

Despite the massive availability of E-Wallet accessibility to the public, its implementation is still relatively far from optimal. According to a study by Mrs. Ari Apriani, M.M., a Lecturer in the Management Study Program at Universitas Dian Nusantara (UNDIRA), E-Wallet adoption among Indonesian E-Commerce consumers in 2022 only reached about 2.24% of the total consumers using E-Wallet as their primary payment method. This relates to several factors, including:

1. Low confidence in unclear transaction services.

2. Lack of digital literacy regarding the utilization of E-Wallet features and cashless transactions.

3. Subjective conventional preferences, especially among the elderly.

4. Consumer concerns about data security and privacy in digital transactions (Jemandu, 2022).

5. Implementation costs and the need to adjust business operations, including extensive employee training on E-Wallet features.

However, these challenges can be mitigated by implementing training related to Perceived Ease of Use or practical demonstrations of usage, alongside highlighting the potential gains that entrepreneurs can achieve. This is an appropriate step to encourage emancipation in supporting the equitable growth of Indonesia's digital economy. Furthermore, practices that strengthen this perception will increase the community's capacity to Adopt E-Wallet and break down negative or stereotypical perceptions of the ambiguity surrounding E-Wallet as a payment system.

Moreover, by understanding the demographics of the younger generation in Indonesia, who tend to have a fast-paced lifestyle, it is timely for the MSME sector to adapt to the challenge of digital literacy, particularly in implementing E-Wallet payment methods. Through this research presentation on the challenges and potential of E-Wallet, it is hoped that a bridge can be created to connect the gap between technological advancement and the level of public trust.

A comprehensive understanding of the security and convenience of digital payment systems is believed to foster a sense of security (trust), ensuring the public no longer hesitates to switch from conventional methods. This shift will significantly impact revenue generation, especially for MSME actors. In line with this mission, Universitas Dian Nusantara (UNDIRA) is fully committed to continuously delivering quality education based on technology and science. This step is taken to cultivate adaptive human resources and support Indonesia's acceleration towards a comprehensive, inclusive, and sustainable digitalization era.