Abstract: This study investigates the determinants influencing consumer adoption of digital wallets, a revolutionary shift in contemporary payment systems. As digital transactions gain traction, understanding the factors that drive user acceptance is crucial for businesses and financial institutions. The research primarily focuses on perceived security, ease of use, and consumer awareness. Data were collected through a survey of 118 respondents over four months, using both primary and secondary sources. The findings reveal that Google Pay is the most preferred digital wallet, with usability and security being key drivers of adoption. While users express satisfactory experiences, significant concerns regarding data protection and identity theft persist. This study contributes valuable insights that can assist businesses in developing marketing strategies aimed at enhancing consumer trust and encouraging wider adoption of digital wallets. Recommendations include reinforcing security measures, improving customer support services, and ensuring a user-friendly interface for digital wallets. The results underscore the importance of addressing consumer concerns to facilitate the successful integration of digital wallets in everyday financial transactions
Keywords: Digital wallets, consumer adoption, perceived security, ease of use, user experience, payment systems.
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