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Perceived Risk and Trust in Adoption E-Wallet: The Role of Perceived Usefulness and Ease of Use

Gisella Maria Meyta Dewi · Leonard Joshua · Ridho Bramulya Ikhsan · Yuniarty Yuniarty · Rini Kurnia Sari · Andrianto Susilo

23 citations0/0 files storedInternational Conference on Information Management and Technology (ICIMTech)

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Technology Adoption and User Behaviour Consumer Behavior and Marketing Influence Health, Technology, Consumer Behavior

Abstract

The emergence of digital payment technologies such as electronic wallets has positively affected Indonesia's non-cash society. E-wallet providers are competing to collaborate with banks to facilitate their application. Since e-wallets are used for online transactions, the perceived risk of transaction failure, trustworthiness, ease of use, and application performance are essential variables when users adopt e-wallets. Therefore, this study aims to examine variables that affect user intentions in adopting e-wallets. A total of 400 respondents from DKI Jakarta and Yogyakarta are needed in this study. We confirm that they are already using an e-wallet and intend to accept it—the data interpretation technique used CB-SEM by Lisrel 8.7 Software. Our analysis results confirm that the sixteen hypotheses we tested included mediation, two hypotheses rejected, specifically perceived usefulness and e-wallet adoption, the remaining twelve hypotheses were accepted.

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1989Perceived Usefulness, Perceived Ease of Use, and User Acceptance of Information Technology 2003User Acceptance of Information Technology: Toward A Unified View1 1975Belief, Attitude, Intention and Behavior: An Introduction to Theory and Research 1989User Acceptance of Computer Technology: A Comparison of Two Theoretical Models 2000A Theoretical Extension of the Technology Acceptance Model: Four Longitudinal Field Studies 1994The Commitment-Trust Theory of Relationship Marketing 2008Technology Acceptance Model 3 and a Research Agenda on Interventions 2018Multivariate Data Analysis

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