Enhancing Behavioral Intention to Use Digital Wallets: The Role of Expectations and Social Influence
Abstract
The use of digital wallets has become increasingly prevalent in various parts of the world, including Indonesia. People’s decisions to adopt digital wallet technology are influenced by several factors. This research aims to investigate the impact of performance expectations, effort expectations, and social influence on the behavioral intention to use digital wallets in Depok City. The method used is a descriptive associative method with a quantitative approach was employed in this study, and purposive sampling was used to select 120 respondents. The results of the study reveal that effort expectation and social influence have a significant positive effect on the behavioral intention to use digital wallets. Effort expectation refers to how easy and user-friendly the technology is perceived to be, while social influence pertains to the degree to which people are influenced by their social circles to adopt the technology. However, the study found that performance expectation, which relates to the perceived usefulness and advantages of digital wallets, did not have a significant impact on behavioral intention. This research contributes to the existing literature on technology adoption by highlighting the importance of user experience factors, such as effort expectation and social influence, in shaping consumers' behavioral intentions to use digital wallets. For practitioners, the findings suggest that efforts to increase the adoption of digital wallets should focus not only on enhancing the perceived usefulness of the technology but also on improving ease of use and leveraging social influence.
References
Antareza, C., Saefuloh, D., & Gunawan, A. I. (2021). Persepsi Pelaku Usaha Kecil terhadap Penggunaan E-Wallet Sebagai Sistem Pembayaran. 6.
Do Nam Hung, J. T., Azam, S. F., & Khatibi, A. A. (2019). An empirical analysis of perceived transaction convenience, performance expectancy, effort expectancy and behavior intention to mobile payment of Cambodian users. International Journal of Marketing Studies, 11(4), 77–90.
Ghozali, I. (2014). Structural Equation Modelling Metode Alternatif dengan Partial Least Square (PLS) (4th ed.). Badan Penerbit Universitas Diponegoro.
Khatimah, H., Susanto, P., & Abdullah, N. L. (2019). Hedonic motivation and social influence on behavioral intention of e-money: The role of payment habit as a mediator. International Journal of Entrepreneurship, 23(1), 1–9.
Kwateng, K. O., Atiemo, K. A. O., & Appiah, C. (2019). Acceptance and use of mobile banking: An application of UTAUT2. Journal of Enterprise Information Management, 32(1), 118–151. https://doi.org/10.1108/JEIM-03-2018-0055
Puteri, I. R., & Wijayangka, C. (2020). Analisis Penerimaan Teknologi Dompet Digital Pada Umkm Di Kota Bandung. Journal Of Applied Business Administration, 4(2), 115–123. https://doi.org/10.30871/jaba.v4i2.2119
Rahmiati, R., & Susanto, P. (2022). The effects of social influence, hedonic motivation, and habit on e-money behavioral intention: The role of perceived risk as a moderator. Eighth Padang International Conference on Economics Education, Economics, Business and Management, Accounting and Entrepreneurship (Piceeba-8 2021), 184–189.
Rahmawati, Y. D., & Yuliana, R. Y. (2020). Pengaruh Persepsi Manfaat, Kemudahan Dan Keamanan Terhadap Keputusan Penggunaan E-Wallet. ECONBANK: Journal of Economics and Banking, 2(2), 157–168. https://doi.org/10.35829/econbank.v2i2.100
Risman, U., & Budiarti, A. P. (2023). The influence of performance expectancy, effort expectancy, and social influence on behavioral intention to use ShopeePay. Operations Management and Information System Studies, 3(2), 109–120.
Rustanto, A. E., & Kartini, I. (2019). Efektivitas Pembayaran Non Tunai Pada Umkm Daerah Aliran Sungai Citarum. JURNAL LENTERA BISNIS, 8(2), 1. https://doi.org/10.34127/jrlab.v8i2.302
Tannady, H., Dewi, C. S., & others. (2024). Exploring role of technology performance expectancy, application effort expectancy, perceived risk and perceived cost on digital behavioral intention of GoFood users. Jurnal Informasi Dan Teknologi, 80–85.
Utomo, P., Kurniasari, F., & Purnamaningsih, P. (2021). The Effects of Performance Expectancy, Effort Expectancy, Facilitating Condition, and Habit on Behavior Intention in Using Mobile Healthcare Application. International Journal of Community Service & Engagement, 2(4), 183–197. https://doi.org/10.47747/ijcse.v2i4.529
Widiyanti, W. (2020). Pengaruh Kemanfaatan, Kemudahan Penggunaan dan Promosi terhadap Keputusan Penggunaan E-Wallet OVO di Depok. Moneter - Jurnal Akuntansi Dan Keuangan, 7(1), 54–68. https://doi.org/10.31294/moneter.v7i1.7567
Winarto, W. W. A. (2020). Peran Fintech dalam Usaha Mikro Kecil dan Menengah (UMKM). Jesya (Jurnal Ekonomi & Ekonomi Syariah), 3(1), 61–73. https://doi.org/10.36778/jesya.v3i1.132
This work is licensed under a Creative Commons Attribution 4.0 International License.
