Perceived Usage of E-Wallet among the Y Generation in Surabaya based on Technology Acceptance Model

Abstract

Although the government of Indonesia is building the cashless society, the number of e-wallet users are increasing slowly. E-wallet is becoming a common instru­ment of payments from the paper-based instruments to server-based electronic money. The aim of this research is to investigate the perceived usage of the Y Genera­tions on e-wallet based on Technological Acceptance Model (TAM) which is a power­ful model to describe single approval to the usage of a new information technology system. As a quantitative research, the data analysis is using the Partial Least Square (PLS) with the SmartPLS 3.0 software. The results show that perceived usefulness and perceived ease of use brings impacts positive significant impacts to behavioural intention to use, then, the behavioural intention to use affect a positive significant impact to perceived usage. However, a direct effect from perceived useful­ness to perceived usage shows a negative and no significant impact, meanwhile an unintended effect from perceived usefulness to perceived usage through behavioural intention to use show a positive significant impact. Finally, a direct effect from perceived ease of use to perceived usage shows a lower t-statistic value than an indi­rect effect from perceived ease of use to perceived usage through behavioural inten­tion

Determining Factors of Digital Wallet Usage

“…The results of this study are similar to the study of (Pertiwi et al, 2020) which confirms that the intention to use digital wallets is positively and significantly influenced by perceived usability. In this study, it is known that the perceived usefulness has attracted the public's intention to switch to the non-cash transaction method.…”

Understanding intentions and actual use of mobile wallets by millennial: an extended TAM model perspective

“…Recent study concluded that PU positively influences that attitude and intentions of users in mobile wallet context (Chawla and Joshi, 2019). In this view, earlier studies posited that the intention to use mobile payment services is positively influenced by PU (Routray et al, 2019;Routray, 2019;Pertiwi et al, 2020;Jin, 2020). Hence, based on these arguments, it can be hypothesized that: H1.…”

“…The TAM model is highly recognized and used in new technological innovation studies (Pertiwi et al, 2020) and is considered as a theoretically robust model to identify the determinants of intentions to new technology (Abdullah et al, 2016;Nunes et al, 2018). Recent studies have used TAM to predict the intentions to use mobile wallets technology (Lew et al, 2020;Singh et al, 2020).…”

“…Further, Karim et al (2020) analyzed the affecting elements for youth to use e-wallet as a payment method by applying extended TAM. Extant studies examined the intentions of millennial generation to use the mobile wallets using TAM (Pertiwi et al, 2020). However, Hasan and Gupta (2020) posited that in India there are 135 million e-wallet users, and they have conducted a study with the objective to recognize the determinants of tourists' behavioral intentions to use m-wallet payment with extended TAM model.…”

The Millennials' Energy Efficiency Behaviour towards Eco-friendly Home

“…An energy efficiency intention is a form of desire to be wise and efficient when consuming energy. Previous research found that energy efficiency intention has a positive and significant effect on energy-saving behaviour [42,43,44]; the higher the intention, the higher the saving energy behaviour [45,46]. This has informed analysis of the millennial generation's energy efficiency intention on their behaviour in an eco-friendly home and the formulation of the hypothesis H5: H5: Energy efficiency intention has a positive and significant effect on the millennial energy efficiency behaviour in an eco-friendly home.…”