Usage Behavior on Digital Wallet: Perspective of the Theory of Unification of Acceptance and Use of Technology Models

Sukaris Sukaris · Wiki Renedi · Maulidyah Amalina Rizqi · Budiyono Pristyadi

25 citations0/0 files storedJournal of Physics Conference Series

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Technology Adoption and User Behaviour FinTech, Crowdfunding, Digital Finance Health, Technology, Consumer Behavior

Abstract

Abstract At present the phenomena what is happening is on the use of financial technology in particular with regard to digital payments. In recent years a new technological innovation has emerged called financial technology. Financial technology is a combination of financial services and technology, where this technology has changed the behavior of the community, which was originally made by face to face payment transactions and carry a nominal amount of money, but now can be processed quickly without being limited by distance. This paper aims to examine the behavior of using a digital wallet based application: the perspective of the unified theory of acceptance and use of technology perspective. The current research design is based on survey data collected from 200 respondents from all generations who have used a digital wallet based application. The data analysis procedure uses structural equation modeling with PLS. The research findings show that performance expectancy, social influence, facilitating condition, hedonic motivation and trust influence behavioral intention of digital wallets and effort expectancy does not affect the behavioral intention of a digital wallet. While behavioral intention has a positive effect on the use of behavior of digital wallets. This paper tries to shed new light on the use of application-based digital wallets for all generations. In addition, this model needs to be extended to the external factors of the user and consider the location of each user, in the context of this study the use of an application-based digital wallet is more often used for culinary shopping

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References

2003User Acceptance of Information Technology: Toward A Unified View1 2005Model of Adoption of Technology in Households: A Baseline Model Test and Extension Incorporating Household Life Cycle1 2013Understanding the Internet banking adoption: A unified theory of acceptance and use of technology and perceived risk application 2015Understanding mobile banking: The unified theory of acceptance and use of technology combined with cultural moderators 2009Towards an understanding of the consumer acceptance of mobile wallet 2014Online purchasing tickets for low cost carriers: An application of the unified theory of acceptance and use of technology (UTAUT) model 2017Factors affecting the adoption of e-learning systems in Qatar and USA: Extending the Unified Theory of Acceptance and Use of Technology 2 (UTAUT2)2018Examining adoption of mobile internet in Saudi Arabia: Extending TAM with perceived enjoyment, innovativeness and trust

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2021Pemanfaatan Teknologi Digital Wallet Sebagai Solusi Alternatif Pembayaran Modern: Literature Review 2024Predictors of Mobile Payment Use Applications from the Extended Technology Acceptance Model: Does Self-Efficacy and Trust Matter?2024Preference Digital Wallet by Generation Z with the Unified Theory of Acceptance and Use of Technology 2 (UTAUT 2) Model Approach and Perceived Risk

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