“…The measurement items used to measure E-WOM adopt the research of Tarigan et al (2022), provide reviews that are objectively beneficial to others (e-WOM1), provide varied reviews (e-WOM2), provide recommendations to others (e-WOM3), encourage others to make decisions (e-WOM4). The measurement items set for ease of use adopted Basuki et al (2022), Bassiouni et al (2019), Zhang et al (2014), Palumian et al (2021), andRauniar et al (2014) are easy to use e-wallet (EoU1), ease to understand e-wallet process (EoU2), ease to install e-wallet system (EoU3), and ease to pay e-wallet (EoU4). The measurement items set for perceived usefulness adopted by the research of Basuki et al (2022), Zhang et al (2014), Kowalczuk (2018), andRauniar et al (2014) are shortening payment time (PU1), reducing administrative costs (PU2), getting fast information (PU3), easily updating the latest system (PU4) and processing payments in real-time (PU5).…”