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E-WOM and Adoption E-Wallet: The Role of Trust as a Mediating Variable

7 citations0/0 files storedAdvances in economics, business and management research/Advances in Economics, Business and Management Research

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

Abstract

E-wallet is a fintech innovation that emerged due to technological innovation and the development of the internet that is useful for making it easier for humans to transact and use information technology-based financial services.E-wallet users continue to increase from year to year along with the development of technology and the internet.People start using e-wallet technology as a daily habit in meeting transaction needs.Acceptance of technology or technology adoption does not just happen, but there are some factors that cause the spread of digital payments with e-wallet so that people adopt e-wallet.This study is to analyze the effect of E-WOM on the behavior of e-wallet adoption which is mediated by trust.The population of this study is e-wallet users in Central Java with a sample of 173 respondents who meet the research criteria of 202 respondents.The sample selection was based on the purposive sampling method, which was judgment sampling.The data analysis technique used is SEM-PLS using Smart PLS 3.0 software.The results of the analysis of this study show that E-WOM has a positive and significant effect on integrity.E-WOM has a positive and significant effect on benevolence.E-WOM has a positive and significant effect on ability.E-WOM has a positive and significant effect on e-wallet adoption behavior.Integrity variable has no significant effect on e-wallet adoption behavior.The benevolence variable has no significant effect on e-wallet adoption behavior.The ability variable has a positive and significant effect on e-wallet adoption behavior.The results of the analysis of the indirect relationship of E-WOM to e-wallet adoption behavior mediated by the benevolence variable have a positive and significant effect.The limitation of this study is that the sample taken is small due to the Covid-19 pandemic.Future research is expected to be able to increase the number of samples and tests in different areas for the research population.

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References

2010Impact of Online Consumer Reviews on Sales: The Moderating Role of Product and Consumer Characteristics 2009An empirical examination of factors influencing the intention to use mobile payment 2015Social presence, trust, and social commerce purchase intention: An empirical research 2014What makes online reviews helpful? A diagnosticity-adoption framework to explain informational and normative influences in e-WOM 2012An empirical examination of continuance intention of mobile payment services 2011Dynamics between the trust transfer process and intention to use mobile payment services: A cross-environment perspective 2009The influence of C2C communications in online brand communities on customer purchase behavior 2009An empirical study of customers’ perceptions of security and trust in e-payment systems

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2023Pengaruh Relative Advantage, Compatibility, Complexity, Observability Dan Trialability Terhadap Intention To Use Pada E-Wallet Dana

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