Penggunaan E-Wallet bagi Generasi Z: Peran Perceived Ease of Use dan Social Influence
DOI:
https://doi.org/10.38035/jafm.v6i6.2954Keywords:
Perceived Ease Of Use, Social Influence, Attitude Toward Using, Intention To use, E-wallet, Generasi ZAbstract
Perkembangan teknologi digital mendorong meningkatnya penggunaan e-wallet, terutama di kalangan Generasi Z. Namun, tingginya tingkat adopsi tidak selalu diikuti oleh niat penggunaan yang berkelanjutan. Penelitian ini mempunyai tujuan menganalisa pengaruh perceived ease of use serta social influence kepada intention to use e-wallet melalui attitude toward using menjadi variabel mediasi. Penelitian ini menerapkan pendekatan kuantitatif, dengan mempergunakan data primer yang didapat dari menyebarkan kuesioner ke 95 responden pengguna e-wallet. Selanjutnya, data dianalisis menggunakan metode Structural Equation Modeling–Partial Least Squares (SEM-PLS) guna menguji hubungan antarvariabel dalam model penelitian. Temuan memperlihatkan social influence berpengaruh positif kepada intention to use, baik langsung maupun melalui attitude toward using. Sedangkan perceived ease of use berpengaruh kepada intention to use dengan attitude toward using, perceived ease of use tidak berpengaruh langsung kepada intention to use. Hasil ini menegaskan bahwa sikap pengguna berperan penting untuk meningkatkan niat penggunaan e-wallet pada Generasi Z.
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