Expanding the technology acceptance model with the inclusion of trust and mobility to assess e-wallet user behavior: Evidence from OVO consumers in Indonesia

Abstract

In view of the government’s demonetizing decision to make Indonesia a cashless society, this study aimed to discover the important factors influencing consumers’ attitudes and intentions in using the e-wallet payment system. The authors wanted to find out whether trust, mobility, easiness of use, and usefulness attract customers and encourage them for usage. The quantitative approach in this study was due to the practicality of interpretation and analysis of the data. The primary data was collected by conducting the survey through questionnaires that were sent to the respondents. To test the proposed research model, the authors collected data using a questionnaire survey from 286 OVO consumers in Jakarta. The research findings reveal that mobility is the weakest factor, and perceived usefulness is the strongest factor affecting the users’ attitudes and intention towards using the e-wallet payment system.

The Influence of Compatibility and Technology Acceptance Model Toward Intention to Use E-Wallet During Covid-19

“…As for PU is also has effect toward the intention to use ewallet and examined through H3. This similar with the previous result that states PU has significant effect toward intention to use (Aji et al, 2020b;Chen & Aklikokou, 2019;Hidayat et al, 2021;Tun, 2020;Yang et al, 2021). When an e-wallet application increase the performance of activity, it would led to increase intention to use e-wallet (Hidayat et al, 2021).…”

“…The positive evaluation related to the ability of e-wallet in improving work performance (usefulness) could be linked to the intention to use e-wallet (Hidayat et al, 2021). It is also supported by other studies (Aji et al, 2020a;Aji et al, 2020b;Leong et al, 2020;Tun, 2020;Yang et al, 2021).…”

“…Two other studies also support that statement (Chen & Aklikokou, 2019;Tahar et al, 2020). However, other studies claim the intention to use did not affect by the perceived ease of use (Aji et al, 2020a;Chawla & Joshi, 2019;Hidayat et al, 2021). This statement shows that there are different opinions in previous studies when it comes to perceived ease of use.…”

“…The influence of perceived usefulness on intention to use is significant in several previous studies (Aji et al, 2020a;Aji et al, 2020b;Chawla & Joshi, 2019;Chen & Aklikokou, 2019;Hidayat et al, 2021;Tun, 2020;Yang et al, 2021). This effect can be directly, especially if it is e-wallet (Leong et al, 2020).…”

“…The number of respondents is adequate for this analysis because the minimum sample number is 77 respondents. Other studies that analyze similar objects also used more than 200 respondents (Chawla & Joshi, 2019;Hidayat et al, 2021;Tun, 2020;Yang et al, 2021). Table I shows the detail about respondents based on respondents' demographic.…”