DETERMINANT OF INTENTION TO USE E-WALLET AS A DIGITAL PAYMENT PRODUCT FOR MSME

Abstract

This research aims to analyze the influence of perceived risk, perceived ease of use, and perceived usefulness on the intention to use e-wallets as a digital payment among consumers who shop at MSMEs. Technological developments have made it easier for consumers to make transactions in all fields. One of them is in the payments sector. Developing digital payments that consumers can use to make transactions. This change causes product providers, one of which is MSMEs, to also make changes in providing payments for consumers. The research was conducted quantitatively. Data collection uses purposive sampling. The total number of Y and Z generation respondents taken was 200. Data was collected directly from consumers who had made transactions with MSMEs using digital wallet payments. Instrument and variable testing use validity and reliability. Test the hypothesis using SEM-SmartPLS. The results of the hypothesis test showed that eight hypotheses were accepted. Perceived usefulness mediates perceived risk and perceived ease of use on Intention to use. Generations Y and Z can moderate perceived risk, perceived ease of use, and perceived usefulness on Intention to use. Perceived ease of use influences perceived usefulness and intention to use. Perceived risk influences perceived usefulness and intention to use. Perceived usefulness influences the intention to use e-wallets. This research contributes to the development of digital payments.