Digital Payment Adoption in Indonesia Ali Mohamad Rezza- Suci Fika Widyana- Achmad Andriyanto
Politeknik Pos Indonesia
Abstract
Two years of pandemic makes e-wallet a source of payment becoming a trend, but there is still some doubtless of using this kind of method for some customers. This study identifies and examines the factors that predict behavioral intention and adoption of e-wallet in Indonesia. Hedonic motivation, habit, self-efficacy, and trust were used in the research model to predict customer adoption of e-wallet. Data were collected using the survey of 217 customers in Indonesia. Structural equation modeling (SEM) using Partial Least Square was used to analyze the structural model. The result shows that habit has a significant influence on the adoption of e-wallet technology. Trust and habit have a significant effect on behavioral intention, but the exciting fact is that behavioral intention does not significantly affect the adoption of e-wallet use.
