The Influence of System Security Technology and Data Privacy on User Trust and Satisfaction in Digital Wallet Applications: Systematic Literature Review

Abstract

This study aims to identify and synthesize previous research on the influence of system security technologies and data privacy on user trust and satisfaction in digital wallet applications. The research employed a Systematic Literature Review (SLR) approach based on the PRISMA 2020 guidelines. Literature searches were conducted through five main databases: Scopus, IEEE Xplore, ScienceDirect, SpringerLink, and Google Scholar, covering publications from 2015 to 2025. Out of 248 identified articles, 28 studies met the inclusion criteria for analysis. The findings show that security technologies such as end-to-end encryption, two-factor authentication, biometrics, and blockchain play a crucial role in increasing user trust, while transparent data privacy policies have a positive impact on user satisfaction. The study concludes that system security and data privacy are key factors in shaping user trust and satisfaction and serve as the foundation for developers and policymakers to improve digital financial service quality.