Analisis Pengaruh Penggunaan E-Wallet  Dengan Technology Acceptance Model (TAM) Pada Masayarakat Indonesia

Shinta Amelya Oktvyana Putri Priyani

Authors

Shinta Amelya Oktvyana Putri Priyani Universitas Muhammadiyah Karanganyar

Keywords:

Technology Acceptance Model, e-wallet, perceived usefulness, perceived ease of use, intention to use, adopsi teknologi

Abstract

Pesatnya perkembangan pembayaran digital telah mendorong peningkatan penggunaan electronic wallet (e-wallet) di Indonesia. Penelitian ini bertujuan menganalisis faktor-faktor yang memengaruhi adopsi e-wallet dengan menggunakan kerangka Technology Acceptance Model (TAM). Penelitian dilakukan dengan pendekatan kuantitatif terhadap 123 pengguna e-wallet di Indonesia. Data diperoleh melalui penyebaran kuesioner dan dianalisis menggunakan metode Partial Least Square-Structural Equation Modeling (PLS-SEM). Hasil penelitian menunjukkan bahwa Perceived Usefulness dan Perceived Ease of Use berpengaruh positif terhadap Attitude Toward Using E-wallet. Selanjutnya, sikap pengguna terbukti meningkatkan Intention to Use, sedangkan niat menggunakan berperan sebagai determinan utama dalam mendorong Adoption of E-wallet. Temuan ini menegaskan bahwa persepsi manfaat dan kemudahan penggunaan berkontribusi terhadap pembentukan sikap positif yang mendukung keberlanjutan penggunaan e-wallet. Hasil penelitian juga memperkuat relevansi TAM dalam menjelaskan perilaku adopsi teknologi keuangan pada konteks negara berkembang.

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