Intention to Use Digital Wallets Mediated by Attitude Toward Use with Perceived Usefulness, Perceived Ease of Use, and Perceived Security and Privacy as Predictors in Aceh Province
DOI:
https://doi.org/10.62951/ijecm.v2i4.975Keywords:
Attitude toward using, Behavioral intention to use, Digital wallet, TAM, TPBAbstract
This study aims to examine: 1) the effect of perceived usefulness, perceived ease of use, and perceived security and privacy on attitude toward using; 2) the effect of perceived usefulness, perceived ease of use, and perceived security and privacy on the intention to use digital wallets in Aceh Province; and 3) the mediating effect of attitude toward using in the relationship between perceived usefulness, perceived ease of use, and perceived security and privacy on the intention to use digital wallets in Aceh Province. The data collection method employed non-probability sampling with a total of 275 respondents. Data analysis was conducted using Partial Least Squares (PLS)-based Structural Equation Modeling (SEM) via SmartPLS 4.0. The findings show that perceived usefulness, perceived ease of use, and perceived security and privacy positively influence attitude toward using, which subsequently affects the behavioral intention to use. These results indicate that individuals in Aceh are more likely to adopt digital wallets when they perceive them as beneficial, user-friendly, and secure. Furthermore, the mediating role of attitude emphasizes its importance in strengthening the relationship between user perception and the intention to use digital wallet technology (t-value = 5.717, p-value = 0.000).
Downloads
References
Ajzen, I. (1985). From intentions to actions: A theory of planned behavior. In J. Kuhl & J. Beckmann (Eds.), Action control: From cognition to behavior (pp. 11–39). Springer. https://doi.org/10.1007/978-3-642-69746-3_2
Ajzen, I. (1991). The theory of planned behavior. Organizational Behavior and Human Decision Processes, 50(2), 179–211. https://doi.org/10.1016/0749-5978(91)90020-T
Alnemer, H. A. (2022). Determinants of digital banking adoption in the Kingdom of Saudi Arabia: A technology acceptance model approach. Technology in Society, 59, 101151. https://doi.org/10.1016/j.techsoc.2019.101151
Al-Nawafleh, K., Harada, Y., & Ueda, K. (2018). Review of the impact of service quality and subjective norms in TAM among telecommunication customers in Jordan. International Journal of Energy Sector Management, 12(4), 618–633. https://doi.org/10.1108/IJOES-07-2018-0101
Ali, S. I. (2017). Pengaruh persepsi kegunaan dan persepsi kemudahan terhadap niat pembelian ulang dengan sikap sebagai variabel mediasi (Studi pada pengguna Traveloka di Kota Malang) [Skripsi, Universitas Brawijaya].
GoodStats. (2022, June 16). Aplikasi digital wallet paling banyak digunakan masyarakat Indonesia. https://goodstats.id/article/digital-wallet-paling-banyak-digunakan-masyarakat-indonesia-2022-Vb18i
Cooper, S. A., McLean, G., Guthrie, B., McConnachie, A., Mercer, S. W., Sullivan, F., Morrison, J., & Williamson, A. E. (2018). Management and prevalence of long-term conditions in primary health care for adults with intellectual disabilities compared with the general population: A population-based cohort study. Journal of Applied Research in Intellectual Disabilities, 31(S1), 68–81. https://doi.org/10.1111/jar.12386
Davis, F. D. (1989a). Perceived usefulness, perceived ease of use, and user acceptance of information technology. MIS Quarterly, 13(3), 319–340. https://doi.org/10.2307/249008
Davis, F. D. (1989b). User acceptance of computer technology: A comparison of two theoretical models. Management Science, 35(8), 982–1003. https://doi.org/10.1287/mnsc.35.8.982
Flavián, C., & Guinalíu, M. (2006). Consumer trust, perceived security and privacy policy: Three basic elements of loyalty to a web site. Industrial Management & Data Systems, 106(5), 601–620. https://doi.org/10.1108/02635570610666403
Habib, H., Rachman, F., & Pramudito, A. (2012). Pengaruh persepsi kemanfaatan dan persepsi kemudahan website UB terhadap sikap pengguna dengan pendekatan TAM [Artikel]. Universitas Brawijaya.
Jarvenpaa, S. L., Tractinsky, N., & Vitale, M. (1999). Consumer trust in an Internet store: A cross-cultural validation. Journal of Computer-Mediated Communication, 5(2). https://doi.org/10.1111/j.1083-6101.1999.tb00337.x
Jogiyanto. (2008). Sistem informasi keperilakuan. Andi Offset.
Kanchanatanee, K., Suwanno, N., & Jarernvongrayab, A. (2014). Effects of attitude toward using, perceived usefulness, perceived ease of use and perceived compatibility on intention to use E-marketing. Journal of Management Research, 6(3), 1–13. https://doi.org/10.5296/jmr.v6i3.5573
Kim, D. J., Ferrin, D. L., & Rao, H. R. (2008). A trust-based consumer decision-making model in electronic commerce: The role of trust, perceived risk, and their antecedents. Decision Support Systems, 44(2), 544–564. https://doi.org/10.1016/j.dss.2007.07.001
Liu, M. T., Wang, C. Y., & Chen, C. H. S. (2019). Moral norm is the key: An extension of the theory of planned behavior (TPB) on Chinese consumers’ green purchase intention. Asia Pacific Journal of Marketing and Logistics, 31(5), 1056–1078. https://doi.org/10.1108/APJML-05-2019-0285
Lucyanda, J. (2010). Pengujian Theory Acceptance Model (TAM) dan Theory Planned Behavior (TPB). Jurnal Riset Akuntansi dan Keuangan, 2(2), 1–14. https://doi.org/10.33558/jrak.v1i2.124
Malhotra, N. K. (2010). Marketing research: An applied orientation (6th ed.). Pearson Education.
Pambudi, A. R. (2020). Analisa perceived ease of use dan perceived usefulness terhadap behavioral intention pada aplikasi digital payment OVO [Skripsi, Universitas Kristen Petra].
Pavlou, P. A. (2001). Perceived information security, financial liability, and consumer trust in electronic commerce transactions. Journal of Logistics Information Management, 14(5/6), 410–432. https://doi.org/10.1108/09576050110411404
Pavlou, P. A., & Fygenson, M. (2006). Understanding and predicting electronic commerce adoption: An extension of the theory of planned behavior. MIS Quarterly, 30(1), 115–143. https://doi.org/10.2307/25148720
Pratama, D. A. (2020). Pengaruh persepsi manfaat, persepsi kemudahan penggunaan dan persepsi risiko terhadap niat beli pelanggan melalui sikap pelanggan sebagai mediasi pada Tokopedia.com [Skripsi, Universitas Kristen Petra].
Roca, J. C., García, J. J., & de la Vega, J. J. (2009). The importance of perceived trust, security and privacy in online trading systems. Information Management & Computer Security, 17(2), 96–113. https://doi.org/10.1108/09685220910963983
Suhendro. (2010). Pengaruh perceived usefulness dan perceived ease of use dalam penggunaan sistem informasi keuangan daerah [Tesis].
Venkatesh, V., Morris, M. G., Davis, G. B., & Davis, F. D. (2003). User acceptance of information technology: Toward a unified view. MIS Quarterly, 27(3), 425–478. https://doi.org/10.2307/30036540
Xu, H., Teo, H. H., Tan, B. C. Y., & Agarwal, R. (2009). The role of push-pull technology in privacy calculus: The case of location-based services. Journal of Management Information Systems, 26(3), 135–174. https://doi.org/10.2753/MIS0742-1222260305
Wahyudi, B., & Yanthi, M. D. (2021). Penerimaan teori TAM terhadap penggunaan mobile payment dengan kompatibilitas sebagai variabel eksternal. Akuntabilitas, 15(1), 55–72. https://doi.org/10.29259/ja.v15i1.11850
Yutadi, K. P. (2014). Pengaruh persepsi privasi, persepsi keamanan, persepsi kepercayaan, persepsi risiko, persepsi kegunaan dan persepsi kemudahan penggunaan terhadap minat penggunaan e-commerce. Jurnal Ilmiah Mahasiswa Fakultas Ekonomi dan Bisnis, Universitas Brawijaya.
Downloads
Published
How to Cite
Issue
Section
License
Copyright (c) 2025 International Journal of Economics, Commerce, and Management
This work is licensed under a Creative Commons Attribution-ShareAlike 4.0 International License.
