THE EFFECT OF SERVICE QUALITY AND BRAND IMAGE ON REPURCHASE INTENTION WITH BRAND TRUST AS MEDIATING VARIABLE BY THE GENERATION Z OF E-WALLET CONSUMERS IN JAKARTA

. The purpose of this study was to examine the effect of service quality (X1) and brand image (X2) on repurchase intention (Z) through brand trust (Y1) as an intervening variable on generation Z e-wallet consumers in Jakarta. Data collection methods use questionnaire-style tools to conduct surveys. The sample of this study is 300 respondents of Gen Z consumers aged 17-26 in Jakarta who have made at least five transactions or payments through the e-wallet application in the last month. Data analysis technology uses SPSS 25 version and SEM from LISREL 8.8 version statistical package to process and analyze research data. The results show that: 1) service quality has a significant effect on brand trust for generation Z e-wallet consumers in Jakarta, 2) brand image has a significant effect on brand trust on generation Z e-wallet consumers in Jakarta, 3) brand trust has a significant effect on repurchase intention of generation Z e-wallet consumers in Jakarta, 4) service quality has a significant effect on repurchase intention of generation Z e-wallet consumers in Jakarta, 5) brand image has a significant effect on repurchase intention of generation Z e-wallet consumers in Jakarta, 6) service quality has a significant effect on repurchase intention through brand trust as an intervening on generation Z e-wallet consumers in Jakarta, 7) brand image has a significant effect on repurchase intention through brand trust as an intervening on generation Z e-wallet consumers in Jakarta. This research can contribute new information and knowledge about e-wallet in developing countries, especially Indonesia.


INTRODUCTION
In the Industrial Revolution 4.0 period, there was rapid development in digital technology. The internet can reach a broader target market. The Southeast Asian region, including Indonesia, ranks third for the highest internet usage growth in the world, which is 9.6% in one year Kemp, 2021.
Fintech is a digital transformation introducing new concepts in the financial services industry Kaushal & Ghosh, (2016 E-commerce has changed the way people transact using electronic money payments, and one of them is an e-wallet. According to the Times (2021), an e-wallet is an electronic wallet that is practically used for online payments and financial transactions using a smartphone. Based on data from Capgemini, (2021). Global ecommerce continues to grow at 19% CAGR (2017 -2023), reaching $6.5 trillion. Ewallet is the preferred e-commerce payment method with a 52% market share in 2023.
Cashless payments through the digital system refer to alternative prices, primarily to suppress the spread of COVID-19. Based on research results from Capgemini & BNP Paribas, the number of e-wallet users will increase from 2.3 billion in 2019 to nearly 4 billion in 2024Capgemini, (2021.
There are many features and advantages in e-wallet that make it easier for consumers' financial transactions.
Transaction speed and the convenience of paying anytime and anywhere are the top two factors that motivate users to make payments via e-wallet. However, from the growth opportunities of e-wallet globally, several problems hinder the use of e-wallet.

Brand Trust
Brand trust is belief in product/service performance/brand safety, as consumer expectations and beliefs that the brand will continue to provide its best functions and performance for the benefit of consumers (Han et al., 2019). In marketing relation, brand trust is the readiness of buyers to be associated with the next transaction in the future, which reflects trust in the seller's value-based conduct, in this way prompting repurchase intention Javed & Wu, (2020). According to Kim et al., (2003), brand trust has several dimensions: ability, benevolence, and integrity. In Horng (2020) research, brand trust in products will significantly affect repurchase intention for products traded on any website.
Hypothesis 3: Brand trust significantly affects the repurchase intention of generation Z e-wallet consumers in Jakarta.

Repurchase Intention
Repurchase intention is the subjective probability that experienced customers will keep purchasing items/services/products from a similar company Trivedi & Yadav,

This research utilizes a quantitative
approach. The data collection method in this study is a survey method. According to Hardani et al. (2020), the survey research method uses a questionnaire as a research instrument.

Respondent
The population taken in this study are

Validity and Reliability Test
In

Full Structural Equation Modelling
(SEM) The model is good because the RMSEA value is 0.046 or less than 0.08. Also, most of the goodness of fit indices criteria are already in the excellent fit category, so there is no need to modify the model.
In Figure 6

Hypothesis testing
According to the structural equation model results performed in Table 13 and (2020), which showed that brand trust actively regulates the relationship between brand image and repurchase as Mediating Variable by The Generation Z of E-Wallet Consumers in Jakarta intention.

CONCLUSION
In this research, the conclusion is an influence between service quality (X1) and brand image (