Influence factor of consumers interest on using E-money

Abstract

The objectives of this study was to determine the factors that influence consumer interest in using e-money in Badung and Denpasar City in Bali. This study uses the analysis of SEM structural equations with alternative Partial Least Square (PLS). Consumer attitudes mediate the influence of the relationship between perceived benefits and perceived ease of consumer interest in using e-money, the attitude of consumers in using e-money does not mediate the effect of the relationship between customer knowledge on consumer interest in using e-money. The coefficient of determination R-square for attitude variables is 0.502, which means that the variable attitude of consumers in using e-money can be explained by the variable perception of benefits, perceived convenience and consumer knowledge by 50.2 percent, or in other words, every variant of consumer attitudes e-money will be explained by the variable perception of benefits, perceived ease and consumers knowledge by 50.2 percent, the rest explained by other variables outside the model by 49.8 percent.

The Effect of Financial Literacy and other Determinants on the Intention to Use Electronic Money: Consumer Behavior as a Variable Mediation

“…Consumers who feel comfortable and happy with the easy use of e-money will tend to have a high intention to use it. E-money users who use it when making transactions will perceive electronic money as a toll road like a mini market that allows sellers to process transactions very efficiently and encourage intention to use e-money (Mentari et al, 2019).…”

Money Management Behavior and Issues among Congolese University Students: Requirement for Educational Finance

“…There is much more communication regarding money in the family of younger respondents than the older respondents, and there are far more mothers than fathers who inform them about financial matters. Herawati et al (2018) and Mentari et al (2019) found a conclusive association between the variables of family and the desire of impulsive spending behavior. Those interviewed for this survey used shopping to escape from their problems and to feel positive about themselves.…”

“…The adolescent's experiences and discoveries during their adolescence influence how they conduct themselves as adults. The data show that the higher the parental dependency level, the higher the subject's level of impulsive behavior (Mentari et al, 2019;Joo & Grable, 2011). The increasing awareness of the need for university education creates an everincreasing number of individuals who are putting investment into higher education.…”

Analysis of The Effect of Non-Cash Payments, Interest Rate, and The Amount of The Money Circulation on Inflation in Indonesia

“…For financial purposes, there are currently a lot of technologies that can be used, for example the development of e-money (Mentari et al, 2019). E-money facilitates and supports the needs of people's activities in many ways, such as paying tolls, general transactions such as buying credit and shopping (Setiawati & Falah, 2019) (Davenport & Short, 1990).…”

“…Provisions regarding e-money have been regulated in Bank Indonesia Regulation No.7/52/PBI/2005, however, these regulations are integrated with the regulations for the operation of card-based payment instruments (APMK) (Silitonga, 2013). The increase in public activity using this non-cash payment facility will be able to speed up transactions or in other words will affect the speed of change in money (Mentari et al, 2019).…”