Abstract:
The success of a technology can be measured by its acceptance by users by using a
technology acceptance model that can explain the actual use of a technology with
variables of perceived usefulness, perceived ease of use, and behavioral intention to
use. However, the people of Indonesia in their acceptance of financial technology still
feel the risks that may arise that can negatively affect a person's trust to use financial
technology. For this reason, E-Wallet as one of the fastest growing financial
technologies needs to be measured by the user by integrating risk and trust variables.
This study aims to analyze the factors that influence the use of E-Wallet as measured
using the Extended Technology Accepted Model with additional perceived risk and
trust variables. The population used in this study is President University, which is
assumed to represent generation Z, known as the digital native. The samples taken are
370 students by using the disproportionate stratified sampling method. The data
analysis using SmartPLS 3.2.9 software shows that behavioral intention positively
affects actual usage. Perceived ease of use positively affects behavioral intention to
use, perceived usefulness, and trust. Perceived risk negatively affects behavioral
intention to use and trust. Perceived usefulness positively affects behavioral intention
to use. Trust positively affects behavioral intention to use and perceived ease of use.
And behavioral intention to use can positively mediate perceived ease of use,
perceived usefulness, and trust toward actual usage.
