Do Beliefs and Ease of Use Influence The Intention to Use Digital Wallets? A Test Using Social Factors as Moderating Variable

Authors

  • Siska Kumalasari Universitas Hayam Wuruk Perbanas Surabaya
  • Pepie Diptyana Universitas Hayam Wuruk Perbanas Surabaya

DOI:

https://doi.org/10.32486/aksi.v10i1.680

Keywords:

Beliefs, Ease of Use, Social Factor, Intention of Use

Abstract

This research aims to examine whether beliefs and ease of use influence the intention to use digital wallets using social factors as moderating variables. Data was gathered by questionnaires collected from 105 respondents. All respondents were19-23 years old, and they were university students at Surabaya. The hypotheses were tested using WarpPLS 8.0. The hypotheses test results show that beliefs as a significant factor that influences the intention to use the digital wallet. Furthermore, social factors are also significant as moderating variables to relationship beliefs and intention to use. However, perceived ease of use is not supported to influence intention to use and social factors do not moderate the relationship between perceived ease of use and intention to use.

References

Afandi, Y., Astuti, E. Si., Kusumawati, A., & Abdillah, Y. (2020). Analysis of the Effect of Perceived Risk, Perceived Usefulness and Attitude on Usage Intention with TAM (Case Study: Go-Jek Application). AKSI (Akuntansi Dan Sistem Informasi), 5(1), 41–44. https://journal.pnm.ac.id/index.php/aksi/article/view/38/31

Afriani, S., & Yanti, R. T. (2023). The Influence of Digital Payment on Consumptive Behavior. International Journal of Economics, Business and Accounting Research (IJEBAR), 7(1), 1–11. https://www.jurnal.stie-aas.ac.id/index.php/IJEBAR/article/view/8606/3492

Ajzen, I. (2020). The Theory of Planned Behavior: Frequently Asked Questions. Human Behavior and Emerging Technology, 2(4-October), 314–324. https://doi.org/https://doi.org/10.1002/hbe2.195

Akhtar, S., Irfan, M., Sarwar, A., Asma, A., & UI Ain Rashid, Q. (2019). Factors Influencing Individuals’ Intention to Adopt Mobile Banking in China and Pakistan: The Moderating Role of Cultural Values. Journal of Public Affairs, 19(1), 1–15. https://doi.org/https://doi.org/10.1002/pa.1884

Al-Emran, M., Arpaci, I., & Salloum, S. A. (2020). An Empirical Examination of Continuous Intention to Use M-Learning: An Integrated Model. Education and Information Technologies, 25, 2899–2918. https://link.springer.com/article/10.1007/s10639-019-10094-2

Alamin, A. A., Wilkin, C. L., Yeoh, W., & Warren, M. (2020). The Impact of Self-Efficacy on Accountants’ Behavioral Intention to Adopt and Use Accounting Information Systems. Journal of Information Systems, 34(3), 31–46. https://doi.org/https://doi.org/10.2308/isys-52617

Alkhwaldi, A. F., Alharasis, E. E., Shehadeh, M., Abu-AlSondos, I. A., Oudat, M. S., & Atta, A. A. B. (2022). Towards an Understanding of FinTech Users’ Adoption: Intention and e-Loyalty Post-COVID-19 from a Developing Country Perspective. Sustainability, 14(19), 1–23. https://doi.org/https://doi.org/10.3390/su141912616

Amin, H., Abdul-Rahman, A. R., Ramayah, T., Supinah, R., & Mohd-Aris, M. (2014). Determinant of Online Waqf Acceptance: An Empirical Investigation. The Electronic Journal on Information Systems in Developing Countries, 60(8), 1–18. https://doi.org/https://doi.org/10.1002/j.1681-4835.2014.tb00429.x

Angelina, C., & Rahadi, R. A. (2020). A Conceptual Study on The Factors Influencing Usage Intention of E-Wallets in Java, Indonesia. International Journal of Accounting, Finance and Business (IJAFB), 5(June), 19–29. http://www.ijafb.com/PDF/IJAFB-2020-27-06-03.pdf

Bajunaied, K., Hussin, N., & Kamarudin, S. (2023). Behavioral Intention to Adopt FinTech Services: An Extention of Unified Theory of Acceptance and Use of Technology. Journal of Open Innovation: Technology, Market, and Complexity, 9(1). https://doi.org/https://doi.org/10.1016/j.joitmc.2023.100010

Bandyopadhyay, K., & Fraccastoro, K. (2007). The Effect of Culture on User Acceptance of Information Technology. Communication of the Association for Information Systems, 19. https://doi.org/https://doi.org/10.17705/1CAIS.01923

Chu, X., Ji, S., Wang, X., Yu, J., Chen, Y., & Lei, L. (2021). Peer Phubbing and Social Networking Site Addiction: The Mediating Role of Social Anxiety and The Moderating Role of Family Financial Difficulty. Frontiers in Psychology, 12. https://doi.org/https://doi.org/10.3389/fpsyg.2021.670065

Cortina, J. J., & Schmukler, S. L. (2018). The Fintech Revolution: A Threat to Global Banking? Research & Policy Briefs, 14(April), 1–4. https://documents1.worldbank.org/curated/en/516561523035869085/pdf/125038-REVISED-A-Threat-to-Global-Banking-6-April-2018.pdf

Ernawati, N., & Noersanti, L. (2020). Pengaruh Persepsi Manfaat, Kemudahan Penggunaan dan Kepercayaan terhadap Minat Penggunaan pada Aplikasi OVO. Jurnal Manajemen STEI, 3(2), 27–37. https://www.ejournal.stei.ac.id/index.php/ManajemenSTEI/article/view/908

Fishbein, M., & Ajzen, I. (2010). Changing Behavior: The Reasoned Action Approach. Taylor & Francis. https://doi.org/https://doi.org/10.4324/9780203838020

Ghozali, I., & Latan, H. (2020). Partial Least Squares: Konsep, Teknik dan Aplikasi SmartPLS 3.0 (2nd ed.). Universitas Diponegoro.

Hasanah, R. L., Wati, F. F., & Riana, D. (2019). TAM Analysis on The Factors Affecting Admission of Students for Ruangguru Application. Jurnal Sistem Informasi, 15(2), 1–14. https://jsi.cs.ui.ac.id/index.php/jsi/article/view/778

He, Y., Chen, Q., & Kitkuakul, S. (2017). Regulatory Focus and Technology Acceptance: Perceived Ease of Use and Usefulness as Efficacy. Cogent Business & Management, 5. https://doi.org/https://doi.org/10.1080/23311975.2018.1459006

InsightAsia. (2023). Industry Trend: E-Wallet Industry Outlook 2023. https://insightasia.com/wp-content/uploads/2022/12/Appendix-InsightAsia-Presentation-2023-E-Wallet-Industry-Outlook.pdf

Izzati, R. R., Muntiah, N. S., & Hidayah, N. (2020). An Analysis of Factors That Influence the Interest in Behaviors of Using Accounting Information Systems Based on E-Commerce. Jurnal AKSI (Akuntansi Dan Sistem Informasi), 5(1), 1–5. https://journal.pnm.ac.id/index.php/aksi/article/view/31/25

Kock, N. (2023). WarpPLS User Manual: Version 8.0. ScriptWarp Systems. https://www.scriptwarp.com/warppls/UserManual_v_8_0.pdf

Nag, A. K., & Gilitwala, B. (2019). E-Wallet Factors Affecting Its Intention to Use. International Journal of Recent Technology and Engineering (IJRTE), 8(4), 341–345. https://bsssias.ac.in/uploads/faculty-publications/AKN (32).pdf

Nguyen, O. T. (2020). Factors Affecting the Intention to Use Digital Banking in Vietnam. Journal of Asian Finance, Economics and Business, 7(3), 303–310. http://koreascience.or.kr/article/JAKO202014862061657.pdf

Ryu, H.-S., & Ko, K. S. (2020). Sustainable Development of Fintech: Focused on Uncertainty and Perceived Quality Issues. Sustainability, 12(18). https://doi.org/https://doi.org/10.3390/su12187669

Seldal, M. M. N., & Nyhus, E. K. (2022). Financial Vulnerability, Financial Literacy, and The Use of Digital Payment Technology. Journal of Consumer Policy, 45, 281–306. https://link.springer.com/article/10.1007/s10603-022-09512-9

Singh, N., Sinha, N., & Liebana-Cabanillas, F. J. (2020). Determining Factors in The Adoption and Recommendation of Mobile Wallet Service in India: Analysis of The Effect of Innovativeness, Stress to Use and Social Influence. International Journal of Information Management, 50, 191–205. https://doi.org/https://doi.org/10.1016/j.ijinfomgt.2019.05.022

Statista. (2024). Number of Users of Digital Payment in Indonesia from 2018 to 2028. https://www.statista.com/forecasts/1326597/indonesia-number-of-digital-payment-users

Susanto, D., Anwari, M. K., Supriadi, F., & Sucipto. (2023). Determinan Faktor Keinginan UMKM untuk Menggunakan Layanan Fintech Syariah: Studi Kasus UMKM Pontianak, Kalimantan Barat. Jurnal Ilmiah Ekonomi Islam, 9(1), 1509–1516. https://doi.org/http://dx.doi.org/10.29040/jiei.v9i1.7819

Suyanto. (2023). Mengenal Dompet Digital di Indonesia. http://repository.ipwija.ac.id/3520/1/Buku Dompet Digital Juni 2023-Suyanto.pdf

Ulansari, L. P. E., & Yudantara, I. G. A. P. (2021). Pengaruh Persepsi Manfaat, Persepsi Kemudahan, Persepsi Kepercayaan, dan Norma Subjektif terhadap Minat Menggunakan Sistem Informasi Pembayaran Elektronik (E-Payment). Jurnal Ilmiah Akuntansi Dan Humanika, 11(2), 312–321. https://ejournal.undiksha.ac.id/index.php/JJA/article/view/30484

Varma, A. (2018). Big Data Usage Intention of Management Accountants: Blending the Utility Theory with the Theory of Planned Behavior in an Emerging Market Context. Theoretical Economics Letters, 8(13), 2803–2817. https://www.scirp.org/journal/paperinformation?paperid=87704

Venkatesh, V., & Bala, H. (2008). Technology Acceptance Model 3 and A Research Agenda on Interventions. Decision Sciences, 39(2), 273–315. https://doi.org/Viswanath Venkatesh; Hillol Bala (2008). Technology Acceptance Model 3 and a Research Agenda on Interventions. , 39(2), 273–315. doi:10.1111/j.1540-5915.2008.00192.x

Venkatesh, V., & Davis, F. D. (1996). A Model of the Antecedents of Perceived of Use: Development and Test. Decision Sciences, 27(1), 451–481. https://doi.org/https://doi.org/10.1111/j.1540-5915.1996.tb00860.x

Wardani, N. A. K., & Putra, I. S. (2022). Faktor-Faktor yang Mempengaruhi Behavioral Intention To Use Penggunaan Software Akuntansi pada UMKM. Jurnal Riset Akuntansi Politala, 5(2), 60–74. https://www.researchgate.net/publication/366396030_FAKTOR-FAKTOR_YANG_MEMPENGARUHI_BEHAVIORAL_INTENTION_TO_USE_PENGGUNAAN_SOFTWARE_AKUNTANSI_PADA_UMKM

Wewege, L., Lee, J., & Thomsett, M. C. (2020). Disruptions and Digital Banking Trends. Journal of Applied Finance & Banking, 10(6), 15–56. https://www.scienpress.com/journal_focus.asp?main_id=56&Sub_id=IV&Issue=1889279

Widagda, I. G. N. J. A. (2023). The Role of Attitude toward Using Mediates the Influence of Perceived Usefulness and Perceived Ease of Use on Behavioral Intention to Use. Russian Journal of Agricultural and Socio-Economic Sciences, 140(8), 53–68. https://doi.org/http://dx.doi.org/10.18551/rjoas.2023-08.06

Published

2025-05-28

How to Cite

Kumalasari, S., & Diptyana, P. (2025). Do Beliefs and Ease of Use Influence The Intention to Use Digital Wallets? A Test Using Social Factors as Moderating Variable. Jurnal AKSI (Akuntansi Dan Sistem Informasi), 10(1), 201–208. https://doi.org/10.32486/aksi.v10i1.680

Issue

Section

Articles