Factors Determining College Students’ Intention to use E-Wallets
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Aug 23, 2022
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Abstract
E-Wallet users in Indonesia are experiencing explosive growth due to the ease of registration, ease of use, and exclusive promotions and offers available to E-Wallet users. E-Money or E-Wallet service providers also vary. Each has its characteristics, so this study aims to analyze the relationship between perceived usefulness, perceived ease of use, trust, and social influence on intentions to use electronic wallets in Batam International University students. The population in this study is Batam International University students with a sample of 250 using the rule of thumb theory. Data retrieval using primary data types and analyzed using multiple linear regression analysis. This study shows that perceived ease of use and social impact are positively significant on the intention to use E-Wallet. While the benefits and perceived trust do not show significance.
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References
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Atayah, O. F., Dhiaf, M. M., Najaf, K., & Frederico, G. F. (2021). Impact of COVID-19 on financial performance of logistics firms: evidence from G-20 countries. Journal of Global Operations and Strategic Sourcing. https://doi.org/10.1108/JGOSS-03-2021-0028
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Osman, S., Jabaruddin, N., Zon, A. S., Jifridin, A. A., & Zolkepli, A. K. (2021). Factors influencing the use of E-wallet among millennium tourist. Journal of Information Technology Management, 13(3), 70–81. https://doi.org/10.22059/jitm.2021.83114
Puasa, S., JiaLe, T., Gazali, H. M., & Ayub, N. (2017). Consumers’ behavioural intention to use e-wallet during the pandemic of covid-19: applying the unified theory of acceptance and use of technology (utaut). Labuan Bulletin of International Business &Finance, 15(2), 42–57. file:///C:/Users/User/Downloads/ASNB article about Islamic mutual funds.pdf
Putritama, A., & Sari, R. S. P. (2020). Factors affecting the interest in using e-money for millennials. Jurnal Economia, 16(2), 245–256.
Rantung, H. M., Tumbuan, W. J. F. A., & Gunawan, E. M. (2020). the determinants influencing behaviorial intention to use e-wallet during covid-19 pandemic in manado. Jurnal EMBA: Jurnal Riset Ekonomi, Manajemen, Bisnis Dan Akuntansi, 8(4), 352–360.
Revathy, C., & Balaji, P. (2020). Determinants of behavioral intention on e-wallet usage: an empirical examination in amid COVID-19 lockdown period. International Journal of Management (IJM), 11(6), 92–104. https://doi.org/10.34218/IJM.11.6.2020.008
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Singh, N., & Sinha, N. (2020). How perceived trust mediates merchant’s intention to use a mobile wallet technology. Journal of Retailing and Consumer Services, 52(July 2019), 101894. https://doi.org/10.1016/j.jretconser.2019.101894
Soodan, V., & Rana, A. (2020). Modeling customers’ intention to use e-wallet in a developing nation: Extending UTAUT2 with security, privacy and savings. Journal of Electronic Commerce in Organizations, 18(1), 89–114. https://doi.org/10.4018/JECO.2020010105
Suprapto, Y. (2020). Analysis of Factors Affecting the Use of Cashless Mobile Payment in Millenial Generations of Batam City. Journal of Business Studies and Mangement Review, 4(1), 59–65. https://doi.org/10.22437/jbsmr.v4i1.10748
Suprapto, Y., & Farida, F. (2022). Analisis Pengaruh Brand Image, Trust, Security, Perceived Usefulness, Perceived Ease Of Use Terhadap Adoption Intention Fintech Di Kota Batam. Jesya (Jurnal Ekonomi & Ekonomi Syariah), 5(1), 319–332. https://doi.org/10.36778/jesya.v5i1.569
Taufan, A., & Yuwono, R. T. (2019). Analysis of Factors That Affect Intention to Use e-Wallet through the Technology Acceptance Model Approach (Case Study: GO-PAY). International Journal of Science and Research, 8(7), 413–419. https://doi.org/10.21275/ART2020219
Tenk, T. T., Melssa, Yew, H. C., & Heang, L. T. (2020). E-wallet adoption : a case in Malaysia. International Journal of Research in Commerce and Management Studies, 2(02), 80–94.
Watmah, S., Fauziah, S., & Herlinawati, N. (2020). Identifikasi Faktor Pengaruh Penggunaan Dompet. Indonesian Journal on Software Engineering, 6(1), 261–269.
Widiyanti, W. (2020). Pengaruh Kemanfaatan, Kemudahan Penggunaan dan Promosi terhadap Keputusan Penggunaan E-Wallet OVO di Depok. Moneter - Jurnal Akuntansi Dan Keuangan, 7(1), 54–68. https://doi.org/10.31294/moneter.v7i1.7567
Yang, M., Al Mamun, A., Mohiuddin, M., Nawi, N. C., & Zainol, N. R. (2021). Cashless transactions: A study on intention and adoption of e-wallets. Sustainability (Switzerland), 13(2), 1–18. https://doi.org/10.3390/su13020831
Zaenuddin, M. (2020). Statistik terapan untuk ekonomi dan bisnis (teori dan praktik komputer dengan menggunakan SPSS dan excel) (M. Syafrina & N. Hikmah (eds.)). Deepublish.
Zulfikar, & Budiantara, I. N. (2015). Manajemen riset dan pendekatan komputasi statistika. Deepublish.
Aji, H. M., Berakon, I., & Md Husin, M. (2020). COVID-19 and e-wallet usage intention: A multigroup analysis between Indonesia and Malaysia. Cogent Business and Management, 7(1). https://doi.org/10.1080/23311975.2020.1804181
Anggraeni, R. (2022, February). Indonesia Semakin Cashless, Transaksi Lewat Kanal Digital Melesat.
Ariffin, S. K., Abd Rahman, M. F. R., Muhammad, A. M., & Zhang, Q. (2021). Understanding the consumer’s intention to use the e-wallet services. Spanish Journal of Marketing - ESIC, 25(3), 446–461. https://doi.org/10.1108/SJME-07-2021-0138
Atayah, O. F., Dhiaf, M. M., Najaf, K., & Frederico, G. F. (2021). Impact of COVID-19 on financial performance of logistics firms: evidence from G-20 countries. Journal of Global Operations and Strategic Sourcing. https://doi.org/10.1108/JGOSS-03-2021-0028
Che Nawi, N., Mamun, A. Al, Hayat, N., & Seduram, L. (2022). Promoting sustainable financial services through the adoption of eWallet among malaysian working adults. SAGE Open, 12(1). https://doi.org/10.1177/21582440211071107
Hidayat, D., Pangaribuan, C. H., Putra, O. P. B., & Taufiq, F. J. (2021). Expanding the technology acceptance model with the inclusion of trust and mobility to assess e-wallet user behavior: Evidence from OVO consumers in Indonesia. IOP Conference Series: Earth and Environmental Science, 729(1). https://doi.org/10.1088/1755-1315/729/1/012050
Ing, A. Y. I., Keong, W. T., & Yuh, L. P. (2021). Intention to use e-wallet amongst the university students in klang valley. International Journal Of Business And Economy, 3(1), 75–84.
Javier, F. (2022, January). E-wallet Jadi Alat Pembayaran Digital Terpopuler di 2021.
Kee, D. M. H., Ow, A. L., Ooi, Z. J., Sathiaseelan, P., Pang, K., KA, S., & Madhan, S. (2022). Have you touched ? a case study of touch n go e-wallet. International Journal of Accounting & Finance in Asia Pasific (IJAFAP), 5(1), 84–94. https://doi.org/https://doi.org/10.32535/ijafap.v5i1.141 6
Kustono, A. S., Nanggala, A. Y. A., & Mas’ud, I. (2020). Determinants of the Use of E-Wallet for Transaction Payment among College Students. Journal of Economics, Business, & Accountancy Ventura, 23(1). https://doi.org/10.14414/jebav.v23i1.2245
Lubis, Z. (2021). Statistika terapan untuk ilmu-ilmu sosial dan ekonomi. Penerbit Andi.
MN, N., & Warningsi, S. (2021). Determining factors of digital wallet usage. Jurnal Manajemen, 25(2), 271. https://doi.org/10.24912/jm.v25i2.740
Osman, S., Jabaruddin, N., Zon, A. S., Jifridin, A. A., & Zolkepli, A. K. (2021). Factors influencing the use of E-wallet among millennium tourist. Journal of Information Technology Management, 13(3), 70–81. https://doi.org/10.22059/jitm.2021.83114
Puasa, S., JiaLe, T., Gazali, H. M., & Ayub, N. (2017). Consumers’ behavioural intention to use e-wallet during the pandemic of covid-19: applying the unified theory of acceptance and use of technology (utaut). Labuan Bulletin of International Business &Finance, 15(2), 42–57. file:///C:/Users/User/Downloads/ASNB article about Islamic mutual funds.pdf
Putritama, A., & Sari, R. S. P. (2020). Factors affecting the interest in using e-money for millennials. Jurnal Economia, 16(2), 245–256.
Rantung, H. M., Tumbuan, W. J. F. A., & Gunawan, E. M. (2020). the determinants influencing behaviorial intention to use e-wallet during covid-19 pandemic in manado. Jurnal EMBA: Jurnal Riset Ekonomi, Manajemen, Bisnis Dan Akuntansi, 8(4), 352–360.
Revathy, C., & Balaji, P. (2020). Determinants of behavioral intention on e-wallet usage: an empirical examination in amid COVID-19 lockdown period. International Journal of Management (IJM), 11(6), 92–104. https://doi.org/10.34218/IJM.11.6.2020.008
Rodiah, S., & Melati, S. I. (2020). Pengaruh Kemudahan Penggunaan, Kemanfaatan, Risiko, dan Kepercayaan terhadap Minat Menggunakan E-wallet pada Generasi Milenial Kota Semarang. Journal of Economic Education and Entrepreneurship, 1(2), 66–80.
Singh, N., & Sinha, N. (2020). How perceived trust mediates merchant’s intention to use a mobile wallet technology. Journal of Retailing and Consumer Services, 52(July 2019), 101894. https://doi.org/10.1016/j.jretconser.2019.101894
Soodan, V., & Rana, A. (2020). Modeling customers’ intention to use e-wallet in a developing nation: Extending UTAUT2 with security, privacy and savings. Journal of Electronic Commerce in Organizations, 18(1), 89–114. https://doi.org/10.4018/JECO.2020010105
Suprapto, Y. (2020). Analysis of Factors Affecting the Use of Cashless Mobile Payment in Millenial Generations of Batam City. Journal of Business Studies and Mangement Review, 4(1), 59–65. https://doi.org/10.22437/jbsmr.v4i1.10748
Suprapto, Y., & Farida, F. (2022). Analisis Pengaruh Brand Image, Trust, Security, Perceived Usefulness, Perceived Ease Of Use Terhadap Adoption Intention Fintech Di Kota Batam. Jesya (Jurnal Ekonomi & Ekonomi Syariah), 5(1), 319–332. https://doi.org/10.36778/jesya.v5i1.569
Taufan, A., & Yuwono, R. T. (2019). Analysis of Factors That Affect Intention to Use e-Wallet through the Technology Acceptance Model Approach (Case Study: GO-PAY). International Journal of Science and Research, 8(7), 413–419. https://doi.org/10.21275/ART2020219
Tenk, T. T., Melssa, Yew, H. C., & Heang, L. T. (2020). E-wallet adoption : a case in Malaysia. International Journal of Research in Commerce and Management Studies, 2(02), 80–94.
Watmah, S., Fauziah, S., & Herlinawati, N. (2020). Identifikasi Faktor Pengaruh Penggunaan Dompet. Indonesian Journal on Software Engineering, 6(1), 261–269.
Widiyanti, W. (2020). Pengaruh Kemanfaatan, Kemudahan Penggunaan dan Promosi terhadap Keputusan Penggunaan E-Wallet OVO di Depok. Moneter - Jurnal Akuntansi Dan Keuangan, 7(1), 54–68. https://doi.org/10.31294/moneter.v7i1.7567
Yang, M., Al Mamun, A., Mohiuddin, M., Nawi, N. C., & Zainol, N. R. (2021). Cashless transactions: A study on intention and adoption of e-wallets. Sustainability (Switzerland), 13(2), 1–18. https://doi.org/10.3390/su13020831
Zaenuddin, M. (2020). Statistik terapan untuk ekonomi dan bisnis (teori dan praktik komputer dengan menggunakan SPSS dan excel) (M. Syafrina & N. Hikmah (eds.)). Deepublish.
Zulfikar, & Budiantara, I. N. (2015). Manajemen riset dan pendekatan komputasi statistika. Deepublish.