“…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).…”