The Impact of Perceived Usefulness, Perceived Ease of Use, Attitude, and Behavioral Intention on Behavioral of Indonesia’s E-Wallet Usage: The Moderating Role of Trust

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Published: Aug 16, 2025
DOI: https://doi.org/10.64458/asbnic.v1.23
Keywords:
TAM, TPB, Financial Technology, E-Wallet

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Guruh Ghifar Zalzalah
Universitas PGRI Yogyakarta, Indonesia
Khairunnisa, Gulam Hazmin
Universitas PGRI Yogyakarta, Indonesia

Abstract

Technological innovation in the financial industry, known as financial technology has been developed to support digital payment concept, such as E-Wallets. This system has become popular among the general public for everyday transactions. The purpose of this study is to investigate the behavioral of Indonesian’s e-wallet usage with specific attention of the moderating role of trust. This study integrated TAM and TPB theory to address an insight related these issues. The sample in this study was 450 respondents of Indonesia’s e-wallet usage. The technique used in this research uses a non-probability sampling technique with a purposive sampling method. Data analysis in this study used Wappls version 7.0 with the Structural Equation Modeling Partial Least Square (SEM-PLS) analysis technique. The results of the research reveal that perceived usefulness, perceived ease of use and attitude have a positive and significant effect on behavioral intentions, behavioral intentions have a positive and significant effect on e-wallet usage behavior. Interestingly, trust has negative effect on the relationship between behavioral intentions and e-wallet usage behavior. These result contrast with previous findings that found trust has positive effect on the relationship between behavioral intention and behavior. Therefore, the result of this study give a new research’s insight regarding the behavioral of e-wallet usage and a new information for practice based of financial industry in Indonesia.

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Vol. 1 (2024): Volume 1, Tahun 2024
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