The Role of Perceived Ease of Use, Perceived Usefulness, Attitude Towards Using, and Compatibility on E-Money Usage Intention: Study At Jombang, Indonesia
Abstract
This study aims at testing and analyzing the influence of perceived ease of use, perceived usefulness, and attitude towards using on behavioral intention to use e money and moderated by compatibility. The population of this study is customers from a café in Jombang, Indonesia. Purposive sampling is the sampling technique used in this study, with the criteria Navila Café & Resto Jombang’s customers who directly visited during the study. This study uses physical questionnaire to collect data. The total number of respondents is 113 people. This study uses SEM-PLS as data analysis technique, while the analysis tool is Smart PLS 4. The finding of this study reveals, first, perceived ease of use gives positive significant influence towards perceived usefulness. Second, perceived ease of use gives positive significant influence towards attitude towards using. Third, perceived usefulness gives positive significant influence towards attitude towards using. Fourth, perceived usefulness has complementary mediation effect between perceived ease of use and attitude towards using. Fifth, attitude towards using gives positive significant influence towards behavioral intention to use. Sixth, compatibility doesn’t have moderation effect between attitude towards using and behavioral intention to use.
References
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23. Jiang, Y., Wang, X., Yuen, K. F. (2021). Augmented reality shopping application usage: The influence of attitude, values, and characteristics of innovation. Journal of Retailing and Consumer Services, 63, 102720. https://doi.org/10.1016/j.jretconser.2021.102720
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26. Kim, T., Suh, Y. K., Lee, G., & Choi, B. G. (2010). Modeling Roles of Task- technology Fit and Self-efficiency in Hotel Employees Usage Behaviors of Hotel Information Systems. International Journal of Tourism Research. 12, 709-725. 10.1002/jtr.787
27. Kota, T. P., Kusumastuti, S. Y. (2020). Analysis of the Influence of Customer Interest in Using Mobile Banking Using the Technology Acceptance Model (TAM) Framework. e-Journal of Economic Appreciation, 10(3), 276-288
28. Kustini, Izaak, W. C., Rini, H. P. (2020). The Influence of Readiness to Change and Proactive Behavior on Performance. Bisma: Journal of Business and Management, 14(3), 180-190. 10.5267/j.ac.2022.6.002
29. Marivan, S. A., Kurniawati, Masnita, Y. (2022). The Credibility of Social Media Influencer Marketing on Purchase Interest: Hedonism as Moderation. Scientific Journal of Management and Business, 23(2), 130-145. http://dx.doi.org/10.30596/jimb.v23i2.11304
30. Min, S., So, K. K. F, Jeong, M. (2018). Consumer adoption of the Uber mobile application: Insights from diffusion of innovation theory and technology acceptance model. Journal of Travel & Tourism Marketing, 36(7), 770-783. 10.1080/10548408.2018.1507866
31. Musyaffi, A. M. & Kayati (2019). Impact of Convenience and Risk of QR Code Payment System: Technology Acceptance Model (TAM) Extension. Journal of Business and Management Inspiration, 3(2), 161-176. http://dx.doi.org/10.21831/jitp.v6i2.26232
32. Na, S.; Heo, S.; Han, S.; Shin, Y.; Roh, Y (2022). Acceptance Model of Artificial Intelligence (AI)-Based Technologies in Construction Firms: Applying the Technology Acceptance Model (TAM) in Combination with the Technology–Organization–Environment (TOE) Framework. Buildings 2022, 12, 90. https://doi.org/10.3390/buildings12020090
33. Pramudya, R. B. & Firmialy, S. D. (2022). The Influence of Customer Satisfaction on Brand Loyalty in Coffee Shops: A Comparative Study of Generation Z Individuals Exhibiting High Vs Low Financial Literacy. SEIKO : Journal of Management & Business, 4(3), 589-597. DOI: 10.37531/sejaman.v4i3.346
34. Purwanto, A. & Wulanningtyas, M. E. (2022). Structural Analysis of Equation Model in the Study of Factors Affecting Students' Mathematics Learning Outcomes. IKA Journal: UNARS PGSD Alumni Association, 12(2), 237-246.
https://doi.org/10.36841/pgsdunars.v10i2
35. Rahmawati, R. N. & Narsa, I. M. (2019). Intention to Use e-Learning: Application of Technology Acceptance Model (TAM). Research & Accounting Journal, 3(2), 260-269. https://doi.org/10.33395/owner.v3i2.151
36. Sholihin, M. & Ratmono, D. (2020). Analisis SEM-PLS dengan WarPLS 7.0 untuk Hubungan Nonlinier dalam Penelitian Sosial dan Bisnis. Penerbit ANDI
37. Singh, N., Sinha, N. (2019). How perceived trust mediates merchant's intention to use a mobile wallet technology. Journal of Retailing and Consumer Services, 52, 11. https://doi.org/10.1016/j.jretconser.2019.101894
38. Singh, S. & Srivastava, P. (2019). Social media for outbound leisure travel: a framework based on technology acceptance model (TAM). Journal of Tourism Futures, 5(1), 43-61. 10.1108/JTF-10-2018-0058
39. Singh, S., Sahni, M. M., Kovid, R. K. (2020). What drives FinTech adoption? A multi-method evaluation using an adapted technology acceptance model. Management Decision, 58(8), 1675-1697.
https://doi.org/10.1108/MD-09-2019- 1318
40. Tsai, Y. & Tiwasing, P. (2021). Customers' intention to adopt smart lockers in last-mile delivery service: A multi-theory perspective. Journal of Retailing and Consumer Services, 61,102514. https://doi.org/10.1016/j.jretconser.2021.102514
41. Widodo, T., Putri, S. F. (2021). Analysis of Interest in Using LinkAja Digital Wallet with Technology Acceptance Model (TAM) Approach in Bandung. Journal of Management and Organization (JMO), 12(2), 134-145
42. Yang, M., Al-Mamun, A., Mohiuddin, M., Nawi, N. C., Zainol, N. R. (2021). Cashless Transactions: A Study on Intention and Adoption of e-Wallets. Sustainability 2021, 13, 831. https://doi.org/10.3390/su13020831
43. Yuriev, A., Dahmen, M., Paillé, P., Boiral, O., Guillaumie, L. (2020). Pro-environmental behaviors through the lens of the theory of planned behavior: A scoping review. Resources, Conservation and Recycling,155. https://doi.org/10.1016/j.resconrec.2019.104660
44. Zabukovšek, S. S., Bobek, S., Zabukovšek, U., Kalini ́c, Z., Tominc, P. (2022). Enhancing PLS-SEM-Enabled Research with ANN and IPMA: Research Study of Enterprise Resource Planning (ERP) Systems' Acceptance Based on the Technology Acceptance Model (TAM). Mathematics, 10(9), 1379.
https://doi.org/10.3390/math10091379
10.1002/hbe2.195
2. Al Hakim, R. R. (2022). Daily Behavior and Demographic Profile Affect Electricity Bill Increase During Covid-19 in Indonesia: SEM-PLS Approach. AKUA: Journal of Accounting and Finance, 1(1), 68-76. https://doi.org/10.54259/akua.v1i1.217
3. Al-Rahmi, W. M., Yahaya, N., Aldraiweesh, A. A., Alamri, M. M., Aljarboa, N. A., Alturki, U., Aljeraiwi, A. A. (2019). Integrating Technology Acceptance Model With Innovation Diffusion Theory: An Empirical Investigation on Students' Intention to Use E-Learning Systems. IEEE Access, 7, 26797-26809.
10.1109/ACCESS.2019.2899368
4. Aristio, A. P., Supardi, S., Hendrawan, R. A., Hidayat, A. A. (2019). Analysis on Purchase Intention of Indonesian Backpackers in Accommodation Booking through Online Travel Agent. Procedia Computer Science, 161,885-893. https://doi.org/10.1016/j.procs.2019.11.196
5. Assaker, A. (2019). Age and gender differences in online travel reviews and user generated-content (UGC) adoption: extending the technology acceptance model (TAM) with credibility theory. Journal of Hospitality Marketing & Management, 29(4),428-449. https://doi.org/10.1080/19368623.2019.1653807
6. Astari, A. A. E., Yasa, N. N. K., Sukaatmadja, I. P. G., Giantari, I. G. A. K. (2022). Integration of technology acceptance model (TAM) and theory of planned behavior (TPB): An e-wallet behavior with fear of covid-19 as a moderating variable. International Journal of Data and Network Science, 6(4), 1427–1436.
10.5267/j.ijdns.2022.5.008
7. Aulifin & Dewi (2022). Analisis Penerimaan Penggunaan ShopeePay Sebagai Sistem Pembayaran Elektronik Menggunakan Technology Acceptance Model (TAM) di Wilayah Kota Bogor. Jurnal Ilmiah MEA (Manajemen, Ekonomi, dan Akuntansi), 6 (1)
8. Buabeng-Andoh, Charles & Baah, Charles (2020). Pre-service teachers' intention to use learning management system: an integration of UTAUT and TAM. Interactive Technology and Smart Education, 17(4), 455-474. https://doi.org/10.1108/ITSE-02-2020-0028
9. Candy, Shellyna, Justyanita, Kristianti, N. (2022). E-wallet Adoption: Technology Acceptance Model and COVID-19. Journal of Economic Innovation, 7(1), 91- 100. https://doi.org/10.22219/jiko.v7i01.20385
10. Chawla, D. & Joshi, H. (2019). Consumer attitudes and intention to adopt mobile wallets in India – An empirical study. International Journal of Bank Marketing, 37(7), 1590-1618. https://doi.org/10.1108/IJBM-09-2018-0256
11. Davis, F. (1989). User Acceptance of Information Systems: The Technology Acceptance Model (TAM). University of Michigan, School of Business Administration, Division of Research. https://quod.lib.umich.edu/b/busadwp/images/b/1/4/b1409190.0001.001.pdf
12. Elhajjar, S. & Ouaida, F. (2019). An analysis of factors influencing mobile banking adoption. International Journal of Bank Marketing, 38(2), 352-367. https://doi.org/10.1108/IJBM-02-2019-0055
13. Hadianti, S., Nurlela, S., Sungkar, H., Rifai, A., Dewi, R. K., Kurniawari, L. (2020). Analysis of Technology Acceptance Model of Ilmukomputer.Com Website Acceptance on Informatics Engineering Students. Journal of Information and Applied Technology (J-TIT), 7(1), 33-38
14. Hair, J.F., Hult, G.T.M., Ringle, C.M. & Sarstedt, M. (2017) A Primer on Partial Least Squares Structural Equation Modeling (PLS-SEM) 2nd Edition. Publisher Sage Publications Inc., Thousand Oaks, CA
15. Haji, L., Valizadeh, N., Rezaei-Moghaddam, K., Hayati, D. (2020). Analyzing Iranian Farmers' Behavioral Intention towards Acceptance of Drip Irrigation Using Extended Technology Acceptance Model. Journal of Agricultural Science and Technology, 22(5), 1177-1190.
20.1001.1.16807073.2020.22.5.15.9
16. Hamid, M. R. Ab., Sami, W., Sidek, M. H. Mohmad (2017). Discriminant Validity Assessment: Use of Fornell & Larcker criterion versus HTMT Criterion. Journal of Physics: Conference Series, 890, 1-5. DOI: 10.1088/1742- 6596/890/1/012163
17. Han, J. H. & Sa, H. J. (2021). Acceptance of and satisfaction with online educational classes through the technology acceptance model (TAM): the COVID‐19 situation in Korea. Asia Pacific Education Review, 23, 403-415. https://doi.org/10.1007/s12564-021-09716-7
18. Harun, N. B., Jalil, H. A., Zolkepli, M. (2022). Technological, organizational and environmental factors influencing user intention towards big data technology adoption in Malaysian educational organizations. Accounting, 8, 403- 408. 10.5267/j.ac.2022.6.002
19. Ho, J. C., Wu, C., Lee, C., Pham, T. (2020). Factors influencing the behavioral intention to adopt mobile banking: An international comparison. Technology in Society, 63, 101360. https://doi.org/10.1016/j.techsoc.2020.101360
20. Idrus, S. A., Abdussakir, & Djakfar, M. (2020). The effect of entrepreneurial orientation and technology orientation on market orientation with education as moderating variable. Management Science Letters, 10(10), 164-174
21. Irawati, A. E., Suhartono, E. (2020). Analysis of Technology Acceptance Model of LinkAja Application. Journal of Economic and Business Research, 13(3), 2351-2360. 10.5267/j.msl.2020.2.030
22. Isrososiawan, S., Hurriyati, R., Dirgantari, P. D. (2019). Technology Acceptance Model (TAM) toward "Dana" E-Wallet Customer. Minds Journal: Management, Ideas, Inspiration, 6(2), 181-192.
10.24252/minds.v6i2.11274
23. Jiang, Y., Wang, X., Yuen, K. F. (2021). Augmented reality shopping application usage: The influence of attitude, values, and characteristics of innovation. Journal of Retailing and Consumer Services, 63, 102720. https://doi.org/10.1016/j.jretconser.2021.102720
24. Kamal, S. A., Shafiq, M., Kakria, P. (2020). Investigating acceptance of telemedicine services through an extended technology acceptance model (TAM). Technology in Society, 60. 101212. https://doi.org/10.1016/j.techsoc.2019.101212
25. Khiong, K., Arijanto, R., Mulyandi, M. R., Putra, R. S., Siagian, A. O., Wijoyo, H., Purwanto, A., Fahmi, K. (2022). The Role of Compatibility, Perceived Usefulness, Convenience Perception and Convenience Perception on Electronic Money (e-Wallet) Usage Interest. Journal of Positive School Psychology. 6(5), 6281-6286
26. Kim, T., Suh, Y. K., Lee, G., & Choi, B. G. (2010). Modeling Roles of Task- technology Fit and Self-efficiency in Hotel Employees Usage Behaviors of Hotel Information Systems. International Journal of Tourism Research. 12, 709-725. 10.1002/jtr.787
27. Kota, T. P., Kusumastuti, S. Y. (2020). Analysis of the Influence of Customer Interest in Using Mobile Banking Using the Technology Acceptance Model (TAM) Framework. e-Journal of Economic Appreciation, 10(3), 276-288
28. Kustini, Izaak, W. C., Rini, H. P. (2020). The Influence of Readiness to Change and Proactive Behavior on Performance. Bisma: Journal of Business and Management, 14(3), 180-190. 10.5267/j.ac.2022.6.002
29. Marivan, S. A., Kurniawati, Masnita, Y. (2022). The Credibility of Social Media Influencer Marketing on Purchase Interest: Hedonism as Moderation. Scientific Journal of Management and Business, 23(2), 130-145. http://dx.doi.org/10.30596/jimb.v23i2.11304
30. Min, S., So, K. K. F, Jeong, M. (2018). Consumer adoption of the Uber mobile application: Insights from diffusion of innovation theory and technology acceptance model. Journal of Travel & Tourism Marketing, 36(7), 770-783. 10.1080/10548408.2018.1507866
31. Musyaffi, A. M. & Kayati (2019). Impact of Convenience and Risk of QR Code Payment System: Technology Acceptance Model (TAM) Extension. Journal of Business and Management Inspiration, 3(2), 161-176. http://dx.doi.org/10.21831/jitp.v6i2.26232
32. Na, S.; Heo, S.; Han, S.; Shin, Y.; Roh, Y (2022). Acceptance Model of Artificial Intelligence (AI)-Based Technologies in Construction Firms: Applying the Technology Acceptance Model (TAM) in Combination with the Technology–Organization–Environment (TOE) Framework. Buildings 2022, 12, 90. https://doi.org/10.3390/buildings12020090
33. Pramudya, R. B. & Firmialy, S. D. (2022). The Influence of Customer Satisfaction on Brand Loyalty in Coffee Shops: A Comparative Study of Generation Z Individuals Exhibiting High Vs Low Financial Literacy. SEIKO : Journal of Management & Business, 4(3), 589-597. DOI: 10.37531/sejaman.v4i3.346
34. Purwanto, A. & Wulanningtyas, M. E. (2022). Structural Analysis of Equation Model in the Study of Factors Affecting Students' Mathematics Learning Outcomes. IKA Journal: UNARS PGSD Alumni Association, 12(2), 237-246.
https://doi.org/10.36841/pgsdunars.v10i2
35. Rahmawati, R. N. & Narsa, I. M. (2019). Intention to Use e-Learning: Application of Technology Acceptance Model (TAM). Research & Accounting Journal, 3(2), 260-269. https://doi.org/10.33395/owner.v3i2.151
36. Sholihin, M. & Ratmono, D. (2020). Analisis SEM-PLS dengan WarPLS 7.0 untuk Hubungan Nonlinier dalam Penelitian Sosial dan Bisnis. Penerbit ANDI
37. Singh, N., Sinha, N. (2019). How perceived trust mediates merchant's intention to use a mobile wallet technology. Journal of Retailing and Consumer Services, 52, 11. https://doi.org/10.1016/j.jretconser.2019.101894
38. Singh, S. & Srivastava, P. (2019). Social media for outbound leisure travel: a framework based on technology acceptance model (TAM). Journal of Tourism Futures, 5(1), 43-61. 10.1108/JTF-10-2018-0058
39. Singh, S., Sahni, M. M., Kovid, R. K. (2020). What drives FinTech adoption? A multi-method evaluation using an adapted technology acceptance model. Management Decision, 58(8), 1675-1697.
https://doi.org/10.1108/MD-09-2019- 1318
40. Tsai, Y. & Tiwasing, P. (2021). Customers' intention to adopt smart lockers in last-mile delivery service: A multi-theory perspective. Journal of Retailing and Consumer Services, 61,102514. https://doi.org/10.1016/j.jretconser.2021.102514
41. Widodo, T., Putri, S. F. (2021). Analysis of Interest in Using LinkAja Digital Wallet with Technology Acceptance Model (TAM) Approach in Bandung. Journal of Management and Organization (JMO), 12(2), 134-145
42. Yang, M., Al-Mamun, A., Mohiuddin, M., Nawi, N. C., Zainol, N. R. (2021). Cashless Transactions: A Study on Intention and Adoption of e-Wallets. Sustainability 2021, 13, 831. https://doi.org/10.3390/su13020831
43. Yuriev, A., Dahmen, M., Paillé, P., Boiral, O., Guillaumie, L. (2020). Pro-environmental behaviors through the lens of the theory of planned behavior: A scoping review. Resources, Conservation and Recycling,155. https://doi.org/10.1016/j.resconrec.2019.104660
44. Zabukovšek, S. S., Bobek, S., Zabukovšek, U., Kalini ́c, Z., Tominc, P. (2022). Enhancing PLS-SEM-Enabled Research with ANN and IPMA: Research Study of Enterprise Resource Planning (ERP) Systems' Acceptance Based on the Technology Acceptance Model (TAM). Mathematics, 10(9), 1379.
https://doi.org/10.3390/math10091379
Authors
[1]
“The Role of Perceived Ease of Use, Perceived Usefulness, Attitude Towards Using, and Compatibility on E-Money Usage Intention: Study At Jombang, Indonesia”, Soc. sci. humanities j., vol. 9, no. 02, pp. 6739–6759, Feb. 2025, doi: 10.18535/sshj.v9i02.1642.
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