Determinants of intention to use e-wallet using TRAM model

Maulidyati Aisyah · Ivana Mutia Eszi

8 citations0/0 files storedJurnal Akuntansi & Auditing Indonesia

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

Abstract

Financial technology also known as Fintech is the result of a combination of financial services and technology. This changes conventional business models to modern ones. One of the Fintech examples in payment category is digital wallet (e-wallet). The purpose of this study is to determine the effects of optimism, innovativeness, discomfort, and insecurity on the perceived ease of use which influence the intention to use e-wallet. The online questionnaire was used to collect the primary data. The respondents in this study were 127 university students in Yogyakarta Province. The data analysis technique used was SEM (Structural Equation Model). The results of this study indicate that optimism and innovativeness have significant effects on perceived ease of use, and perceived ease of use has a significant effect on intention to use e-wallet. Meanwhile, discomfort and insecurity have no effects on perceived ease of use. Meanwhile, the intervening variable, namely perceived ease of use, functions partially.

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References

1989User Acceptance of Computer Technology: A Comparison of Two Theoretical Models 2015A primer on partial least squares structural equation modeling (PLS-SEM)2014A primer on partial least squares structural equation modeling (PLS-SEM)1998The partial least squares approach for structural equation modeling.1996A Model of the Antecedents of Perceived Ease of Use: Development and Test 2019An integrated framework for the adoption and continuance intention to use mobile payment apps 2014The Effects Of Technology Readiness And Technology Acceptance On Nfc Mobile Payment Services In Korea 2019The impact of mobility, risk, and cost on the users’ intention to adopt mobile payments

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2022A meta-analysis of eWallet adoption using the UTAUT model 2023Digital Wallet Adoption in Supporting Financial Inclusion: A Conceptual Framework 2023Measurement of Doctoral Students’ Intention to Use Online Learning: A SEM Approach Using the TRAM Model

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