Vol. 1 No. 1 (2026): Meuseuraya: Islamic Economic Journal (January-June 2026)

Purpose – This study aims to analyze the influence of ease of use, security, trust, and promotion on the interest in using E-wallets among students of the State Islamic Institute (IAIN) Lhokseumawe, both partially and simultaneously.

Design/methodology/approach – This study uses a causal associative quantitative approach. Data were collected from 98 respondents of Strata-1 IAIN Lhokseumawe students who were selected using random sampling techniques using the Slovin formula, then analyzed by multiple linear regression assisted by SPSS version 24.

Findings – The results show that ease of use and promotion have a positive and significant effect on interest in using E-wallets, while security and trust do not have a significant effect partially. Simultaneously, these four variables have a significant effect on the interest in using E-wallets with a contribution of 44.5% (Adjusted R Square).

Research limitations/implications – This research is limited to IAIN Lhokseumawe students so the generalization of the results needs to be done carefully. Further research is suggested to expand the scope of the sample and add other variables such as financial literacy and government policies.

Practical implications – E-wallet service providers need to continue to improve the ease of use of the application and design an attractive, transparent, and sharia-compliant promotional program in order to increase interest in using it among students.

Originality/value – This study provides empirical evidence on the psychological and transactional factors that influence the interest in using E-wallets, as well as linking them to the perspective of sharia economics in the context of Islamic university students in Lhokseumawe.