Factors affecting behavioral intention and use behavior on e-wallet services
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Aug 23, 2023
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Abstract
The purpose of this research is to examine the factors that influence behavioral intention and use behavior in e-wallet services (Gopay, Ovo, Dana, Shopee Pay) in Indonesia. The research model used is to develop the previous research model (UTAUT2) with the addition of price value, perceived credibility, and lifestyle compatibility variables. Questionnaires were collected from 300 e-wallet users in Indonesia, after which the data was analyzed using Structural Equation Modeling (SEM) with data processing using Analysis of Structural Moments (AMOS) software. The results of the research show that performance expectancy (PE), effort expectancy (EE), facilitating conditions (FC), price value (PV), habit (H), perceived credibility (PC), and lifestyle compatibility (LC) are proven to be significant factors influencing behavioral intention (BI), which in turn significantly predicts e-wallet use behavior (UB). Meanwhile, social influence (SI) and hedonic motivation (HM) do not significantly influence behavioral intention (BI).
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How to Cite
Kurniawan, H. K., & Anandya, D. (2023). Factors affecting behavioral intention and use behavior on e-wallet services. Enrichment : Journal of Management, 13(3), 2123-2131. https://doi.org/10.35335/enrichment.v13i3.1524
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Rahmi, Y., & Frinaldi, A. (2020). The Effect of Performance Expectancy, Effort Expectancy, Social Influence and Facilitating Condition on Management of Communities-Based Online Report Management in Padang Pariaman District. International Conference On Social Studies, Globalisation And Technology (ICSSGT 2019).
Ramdan, I. M. (2018). Reliability and Validity Test of the Indonesian Version of the Hamilton Anxiety Rating Scale (HAM-A) to Measure Work-related Stress in Nursing. Jurnal Ners, 14(1), 33–40. https://doi.org/http://dx.doi.org/10.20473/jn.v13i1.10673
Raza, S. A., Shah, N., & Ali, M. (2019). Acceptance of mobile banking in Islamic banks: evidence from modified UTAUT model. Journal of Islamic Marketing, 10(1), 357–376. https://doi.org/https://doi.org/10.1108/JIMA-04-2017-0038
Soegoto, D. S., & Tampubolon, M. P. (2020). E-Wallet as a Payment Instrument in the Millennial Era. IOP Conference Series: Materials Science and Engineering.
Tarhini, A., Alalwan, A. A., Shammout, A. B., & Al-Badi, A. (2019). An analysis of the factors affecting mobile commerce adoption in developing countries: Towards an integrated model. Review of International Business and Strategy, 29(3), 157–179.
Walker, J. (2019). Hypothesis tests. BJA Education, 19(7), 227e231. https://doi.org/10.1016/j.bjae.2019.03.006
Anggraini, D., Khumaedi, M., & Widowati, T. (2020). Validity and Reliability Contents of Independence Assessment Instruments of Basic Beauty Students for Class X SMK. Journal of Educational Research and Evaluation, 9(1), 40–46.
Azhari, M. R., Mashuri, S., & Alhabsyi, F. (2022). Integrasi Pendidikan Agama Islam dalam Pemanfaatan Teknologi di Era Society 5.0. Prosiding Kajian Islam Dan Integrasi Ilmu Di Era Society (KIIIES) 5.0, 1, 212–217.
Camilleri, S. J., & Agius, C. (2022). Choosing Between Innovative and Traditional Payment Systems: An Empirical Analysis of European Trends. Journal of Innovation Management, 9(4), 29–57. https://doi.org/10.24840/2183-0606_009.004_0003
Candra, V. A., & Kusmaningtyas, A. (2020). Pengaruh Kepuasan Kerja Karyawan Terhadap Turnover Intention PT. Prodia Widyahusada Tbk, Wilayah VI Divisi Pelayanan. Jurnal Ekonomi Manajemen (JEM17), 5(1), 73–88. https://doi.org/https://doi.org/10.30996/jem17.v5i1.3623
Dhaene, S., & Yves Rosseel. (2023). Altmetric Listen Research Article An Evaluation of Non-Iterative Estimators in the Structural after Measurement (SAM) Approach to Structural Equation Modeling (SEM). Structural Equation Modeling: A Multidisciplinary Journal. https://doi.org/Structural Equation Modeling: A Multidisciplinary Journal
Gupta, K., & Arora, N. (2020). Investigating consumer intention to accept mobile payment systems through unified theory of acceptance model: An Indian perspective. South Asian Journal of Business Studies, 9(1), 88–114. https://doi.org/10.1108/SAJBS-03-2019-0037
Gupta, K. P., Manrai, R., & Goel, U. (2019). Factors influencing adoption of payments banks by Indian customers: extending UTAUT with perceived credibility. Journal of Asia Business Studies, 13(2), 173–195. https://doi.org/https://doi.org/10.1108/JABS-07-2017-0111
Hair, J., Hult, G., Ringle, C., Sarstedt, M., Danks, N., & Ray, S. (2021). An Introduction to Structural Equation Modeling. Partial Least Squares Structural Equation Modeling (PLS-SEM) Using R, 1–29.
Humbani, M., & Wiese, M. (2019). An integrated framework for the adoption and continuance intention to use mobile payment apps. International Journal of Bank Marketing, 37(2), 646–664.
Hussain, M., Mollik, A. T., Johns, R., & Rahman, M. S. (2019). M-payment adoption for bottom of pyramid segment: an empirical investigation. International Journal of Bank Marketing, 37(1), 362–381. https://doi.org/https://doi.org/10.1108/IJBM-01-2018-0013
Jasmalinda. (2021). Pengaruh Citra Merek Dan Kualitas Produk Terhadap Keputusan Pembelian Konsumen Motor Yamaha Di Kabupaten Padang Pariaman. Jurnal Inovasi Penelitian, 1(10), 2199–2206.
Julpatar, F. (2021). Populasi Dan Sampel Dengan Metode Ilmiah. Universitas Mercu Buana, 1–14.
Liu, R., Wu, J., & Yu-Buck, G. F. (2021). The influence of mobile QR code payment on payment pleasure: evidence from China. International Journal of Bank Marketing, 39(2), 337–356.
Maulana, A., & Wijaya, H. (2018). Perancangan E-Payment System pada E-Wallet Menggunakan Kode QR Berbasis Android. Komputika Jurnal Sistem Komputer, 7(2), 63–69. https://doi.org/10.34010/komputika.v7i2.1511
Miftahuddin, Pratama, A., & Setiawan, I. (2021). Analisis Hubungan Antara Kelembaban Relatif Dengan Beberapa Variabel Iklim Dengan Pendekatan Korelasi Pearson Di Samudera Hindia. Jurnal Siger Matematika, 2(1), 25–33.
Phuong, N. N. D., Luan, L. T., Van Dong, V., & Khanh, N. L. N. (2020). Examining customers’ continuance intentions towards e-wallet usage: The emergence of mobile payment acceptance in Vietnam. The Journal of Asian Finance, Economics and Business (JAFEB), 7(9), 505–516.
Rafa’al, M. (2018). Mobile Payment Sebagai Sistem Pembayaran Masa Depan. ResearchGate. https://doi.org/10.31219/osf.io/z56hk
Rahayu, I., & Prasetyatama, G. (2021). Determinants of the intention to continue using e-wallet during the covid-19 pandemic. Journal of Contemporary Accounting, 3(2), 3–63.
Rahmi, Y., & Frinaldi, A. (2020). The Effect of Performance Expectancy, Effort Expectancy, Social Influence and Facilitating Condition on Management of Communities-Based Online Report Management in Padang Pariaman District. International Conference On Social Studies, Globalisation And Technology (ICSSGT 2019).
Ramdan, I. M. (2018). Reliability and Validity Test of the Indonesian Version of the Hamilton Anxiety Rating Scale (HAM-A) to Measure Work-related Stress in Nursing. Jurnal Ners, 14(1), 33–40. https://doi.org/http://dx.doi.org/10.20473/jn.v13i1.10673
Raza, S. A., Shah, N., & Ali, M. (2019). Acceptance of mobile banking in Islamic banks: evidence from modified UTAUT model. Journal of Islamic Marketing, 10(1), 357–376. https://doi.org/https://doi.org/10.1108/JIMA-04-2017-0038
Soegoto, D. S., & Tampubolon, M. P. (2020). E-Wallet as a Payment Instrument in the Millennial Era. IOP Conference Series: Materials Science and Engineering.
Tarhini, A., Alalwan, A. A., Shammout, A. B., & Al-Badi, A. (2019). An analysis of the factors affecting mobile commerce adoption in developing countries: Towards an integrated model. Review of International Business and Strategy, 29(3), 157–179.
Walker, J. (2019). Hypothesis tests. BJA Education, 19(7), 227e231. https://doi.org/10.1016/j.bjae.2019.03.006