*Article* **The Effect of Product Knowledge, Perceived Benefits, and Perceptions of Risk on Indonesian Student Decisions to Use E-Wallets for Warunk Upnormal**

**Bob Foster 1,\*, Ratih Hurriyati <sup>2</sup> and Muhamad Deni Johansyah <sup>3</sup>**


**Abstract:** (1) Background: The purpose of this research is to find out how product knowledge, benefit perception, and risk perception variables affect the decision to use e-wallets (Go-Pay). (2) Methods: The population used in this study is Indonesian students who used Go-Pay to carry transactions at Warunk Upnormal of Dipatiukur Branch, West Java, Indonesia. The sampling technique used by the author is a non-probability sampling technique. Meanwhile, the type of sampling used by the author is accidental sampling. Based on the calculations made, the sample used in this study is 100 Indonesian students. Furthermore, the research method used in this study is quantitative methods. Data analysis was carried out using structural equation modeling (SEM). (3) Results: this study indicates that the final product knowledge and perception of risk have a positive and significant effect on user satisfaction. The latent variable of perceived benefits has a negative and insignificant impact on the decision to use. (4) Conclusions: the latent variables of product knowledge and risk perception have a positive and significant effect on user satisfaction. Meanwhile, the latent variable of perceived benefits has a negative and insignificant impact on the decision to use the e-wallet.

**Keywords:** product knowledge; perceived benefits; perceived risk; usage decisions
