Budiman Almi, Lecturer of the Department of Management, Mercu Buana University, Indonesia

ORCID ID: 0000-0002-8873-4345
e-mail: almibudimann@gmail.com

Hadibrata Baruna, Lecturer of the Department of Management, Mercu Buana University, Indonesia

ORCID ID: 0000-0001-8495-6015
e-mail: barunahadibrataa@gmail.com

Technology Acceptance Model Modification for Electronic Wallet Users in Jakarta

Introduction. The development of mobile payment in Indonesia is increased, especially by the emergence of the two biggest electronic payments, such as Go-Pay and Ovo, which aggressively offer various interesting offers. This affects the enhancement of the use of mobile payment by the public. In the beginning, server-based electronic money services of its appearance were still small, including credit top-up and internet data, and money transfers to banks that include as a member of ATM Bersama (joint ATM). Along with the development of technology, electronic wallets begin to transform by expanding payment services, and several latest e-wallet applications have emerged. 

Purpose. The purpose of this research is to understand the changes in consumers’ behavior that make payments from using cash and switching to electronic wallets.

Results. The results of the analysis in this study were obtained as the below: (1) Perceived ease of use, perceived usefulness, perceived security, and perceived risk and trust have an influence on the intention to use e-wallet electronic application; (2) perceived ease of use and perceived risk have an influence on perceived usefulness of e-wallet user and (3) perceived ease of use, perceived risk, and perceived usefulness influence the perceived trust of e-wallet application users. 

Conclusions. It can be concluded that the technology acceptance model influences the user in using the electronic wallet as their transaction method since its usage can be trusted. Moreover, the benefit they got from electronic wallet (perceived usefulness) influence their trust and increase the intention of using an electronic wallet.

Keywords: ease of use; perceived usefulness; perceived security; perceived risk; trust; intention to use.

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