Determination Of Generation Z's Intention In Using E-Wallet For Payment Transactions
Abstract
This study aims to analyze the factors that influence Generation Z's intention to use e-wallets as a means of payment transactions. Data was collected by distributing questionnaires, analyzed using SEM PLS. The sampling collection technique used purposive sampling and collected a balance of 214 respondents. The results of the analysis show that usefull has no effect on attitude towards use, financial literacy has a significant influence on behavioral intention to use and attitude towards use as an intervening variable has a role to mediate between digital literacy, easy to behavioral intention to use but has no role to mediate relationship between financial literacy and euseful to behavioral intention to use. These results can provide information regarding the characteristics and behavior patterns of generation Z towards the existence of e-wallets and provide information to e-wallet application developers in developing the features and benefits of services available on e-wallet applications.
Keywords : Behavioral Intention To Use; E-Wallet; Generation Z
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References
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Karim, M. W., Haque, A., Ulfy, M. A., & Hossain, A. (2020). Factors Influencing the Use of E-wallet as a Payment Method among Malaysian Young Adults. Journal of International Business and Management, 3(2), 1-11. doi: 10.37227/jibm-2020-2-21/
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Bagla, R. K., & Sancheti, V. (2018). Gaps in customer satisfaction with digital wallets: challenge for sustainability. Journal of Management Development, 37(6), 442-451. doi: https://doi.org/10.1108/JMD-04-2017-0144
Brahmbhatt, M. (2018). A Study on Customers ' Perception towards E-Wallets in Ahmedabad City. IUJ Journal of Management, 6(1).
Davis, F. D. (1989). Perceived Usefulness, Perceived Ease of Use, and User Acceptance of Information Technology. MIS Quarterly, 13(5), 319-339. doi: 10.2307/249008
Fan, J., Shao, M., Li, Y., & Huang, X. (2018). Understanding users’ attitude toward mobile payment use: A comparative study between China and the USA. Industrial Management & Data Systems, 118(3), 524-540. doi: https://doi.org/10.1108/IMDS-06-2017-0268
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Foroughi, B., Iranmanesh, M., & Hyun, S. S. (2019). Understanding the determinants of mobile banking continuance usage intention. Journal of Enterprise Information Management, 32(6), 1015-1033. doi: https://doi.org/10.1108/JEIM-10-2018-0237
Gorsuch, R. (1983). Factor Analysis Erlbaum Hillsdale.
Grable, J. (2000). Financial Risk Tolerance and Additional Factors That Affect Risk Taking in Everyday Money Matters. Journal of Business and Psychology, 14(4), 625-630. doi: 10.2307/25092698
Grohmann, A. (2018). Financial literacy and financial behavior: Evidence from the emerging Asian middle class. Pacific-Basin Finance Journal, 48, 129-143. doi: https://doi.org/10.1016/j.pacfin.2018.01.007
Gupta, A., Yousaf, A., & Mishra, A. (2020). How pre-adoption expectancies shape post-adoption continuance intentions: An extended expectation-confirmation model. International Journal of Information Management, 52. doi: https://doi.org/10.1016/j.ijinfomgt.2020.102094
Hamid, F. S., & Loke, Y. J. (2021). Financial literacy, money management skill and credit card repayments. International Journal of Consumer Studies, 45(2), 235-247. doi: https://doi.org/10.1111/ijcs.12614
Hasan, B., & Ahmed, M. U. (2010). A Path Analysis of the Impact of Application-Specific Perceptions of Computer Self-Efficacy and Anxiety on Technology Acceptance. Journal of Organizational and End User Computing, 22(3), 82-95. doi: 10.4018/joeuc.2010070105
Hinduan, Z. R., Anggraeni, A., & Agia, M. I. (2020). Generation Z in Indonesia: The Self-Driven Digital. The New Generation Z in Asia: Dynamics, Differences, Digitalisation The Changing Context of Managing People, 121-134. doi:10.1108/978-1-80043-220-820201012
Hu, L. T., & Bentler, P. M. (1999). Cutoff Criteria for Fit Indexes in Covariance Structure Analysis: Conventional Criteria versus New Alternatives. Structural Equation Modeling, 6, 1-55. doi: http://dx.doi.org/10.1080/10705519909540118
Inegbedion, H., Inegbedion, E. E., Osifo, S. J., Eze, S. C., Ayeni, A., & Akintimehin, O. (2020). Exposure to and usage of e-banking channels: Implications for bank customers’ awareness and attitude to e-banking in Nigeria. Journal of Science and Technology Policy Management, 11(2), 133-148. doi: https://doi.org/10.1108/JSTPM-02-2019-0024
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Kang, J. (2018). Mobile payment in fintech environment: trends, security challenges, and services. Human-Centric Computing and Information Sciences, 8(1). doi: 10.1186/S13673-018-0155-4
Karim, M. W., Haque, A., Ulfy, M. A., & Hossain, A. (2020). Factors Influencing the Use of E-wallet as a Payment Method among Malaysian Young Adults. Journal of International Business and Management, 3(2), 1-11. doi: 10.37227/jibm-2020-2-21/
Karthikeyan, S. R. (2013). Mobile Payments - A Comparative study between European and Non-European Market. Retrieved from www.diva-portal.org/smash/record.jsf?pid=diva2:675943
Keng-Boon, O., & Wei-Han, T. G. (2016). Mobile technology acceptance model: An investigation using mobile users to explore smartphone credit card. Expert Systems with Applications, 59(15), 33-46. doi: https://doi.org/10.1016/j.eswa.2016.04.015
Khan, F., Ateeq, S., Ali, M., & Butt, N. (2021). Impact of COVID-19 on the drivers of cash-based online transactions and consumer behaviour: evidence from a Muslim market. Journal of Islamic Marketing. doi: 10.1108/JIMA-09-2020-0265
Kim, C., Tao, W., Shin, N., & Kim, K.-S. (2010). An empirical study of customers’ perceptions of security and trust in e-payment systems. Electronic Commerce Research and Applications, 9(1), 84-95. doi: https://doi.org/10.1016/j.elerap.2009.04.014
Kindberg, T., Sellen, A., & Geelhoed, E. (2004). Security and Trust in Mobile Interactions: A Study of Users’ Perceptions and Reasoning. Lecture Notes in Computer Science (Including Subseries Lecture Notes in Artificial Intelligence and Lecture Notes in Bioinformatics), 3205, 169-213. doi: 10.1007/978-3-540-30119-6_12
Klapper, L., & Lusardi, A. (2020). Financial literacy and financial resilience: Evidence from around the world. Financial Management, 49(3), 589-614. doi: https://doi.org/10.1111/fima.12283
Lai, P. (2016). Design and Security Impact on Consumers’ Intention to Use Single Platform E-Payment. Interdisciplinary Information Sciences, 22(1), 111-122. doi: 10.4036/iis.2016.r.05
Lee, S.-C., Hung, Y.-H., & Wu, F.-G. (2014). Identifying Mobile Application Design to Enhance the Subjective Wellbeing among Middle-Aged Adults. International Conference on Universal Access in Human-Computer Interaction, 289-299.
Liao, C., Chen, J.-L., & Yen, D. C. (2007). Theory of planning behavior (TPB) and customer satisfaction in the continued use of e-service: An integrated model. Computers in Human Behavior, 23(6), 2804-2822. doi: https://doi.org/10.1016/j.chb.2006.05.006
Liébana-Cabanillas, F. J., Sánchez-Fernández, J., & Muñoz-Leiva, F. (2014). Role of gender on acceptance of mobile payment. Industrial Management & Data Systems, 114(2), 220-240. doi: https://doi.org/10.1108/IMDS-03-2013-0137
Lim, X.-J., Ngew, P., Cheah, J.-H., Cham, T. H., & Liu, Y. (2021). Go digital: can the money-gift function promote the use of e-wallet apps? Internet Research, 1066-2243. doi: 10.1108/INTR-06-2021-0406
Lusardi, A., Schneider, D. J., & Tufano, P. (2011). Financially fragile households. Evidence and implications. doi: https://doi.org/https://doi.org/10.1016/j.pacfin.2018.01.007
MacCallum, K., Jeffrey, L. M., & NA, K. (2014). Factors Impacting Teachers’ Adoption of Mobile Learning. Journal of Information Technology Education: Research, 13, 141-162. doi: https://doi.org/10.28945/1970
Mallat, N. (2007). Exploring consumer adoption of mobile payments–a qualitative study. The Journal of Strategic Information Systems, 6(4), 413-432. doi: https://doi.org/10.1016/j.jsis.2007.08.001
Mathieson, K. (1991). Predicting User Intentions: Comparing the Technology Acceptance Model with the Theory of Planned Behavior. Information Systems Research, 2(3), 173-191. doi: 10.1287/isre.2.3.173
Nag, K. A., & Gilitwala, B. (2019). E-Wallet- factors affecting its intention to use. International Journal of Recent Technology and Engineering (IJRTE), 8(4). doi: 10.35940/ijrte.D6756.118419
Nikou, S., Brännback, M., & Widen, G. (2019). The Impact of Digitalization on Literacy: Digital Immigrants vs. Digital Natives. Research Papers, 39. doi: https://aisel.aisnet.org/ecis2019_rp/39
Nizam, F., Hwang, H. J., & Valaei, N. (2019). Measuring the Effectiveness of E-Wallet in Malaysia. Studies in Computational Intelligence, Springer International Publishing, 786. doi: 10.1007/978-3-319-96803-2_5
Ozturk, A. B., Bilgihan, A., Nusair, K., & Okumus, F. (2016). What keeps the mobile hotel booking users loyal? Investigating the roles of self-efficacy, compatibility, perceived ease of use, and perceived convenience. International Journal of Information Management, 36(6), 1350-1359. doi: https://doi.org/10.1016/j.ijinfomgt.2016.04.005
Paradita, B., Saputra, I. A. G., & Basuki. (2021). Analisa Faktor-Faktor yang Mempengaruhi Pengambilan Keputusan Finansial Mahasiswa. Jurnal Riset Akuntansi dan Keuangan, 9(3), 477-484. doi: https://doi.org/10.17509/jrak.v9i3.33467
Phonthanukitithaworn, C., Sellitto, C., & Fong, m. (2015). User Intentions to Adopt Mobile Payment Services: A Study of Early Adopters in Thailand. The Journal of Internet Banking and Commerce, 20(1), 1-29.
Prebensen, N. K., & Xie, J. (2017). Efficacy of co-creation and mastering on perceived value and satisfaction in tourists' consumption. Tourism Management, 60, 166-176. doi: https://doi.org/10.1016/j.tourman.2016.12.001
Razer. (2019). E-Wallet mobile app. Retrieved 14 September, 2022, from https://pay.razer.com/my/
Santoso, S. (2015). Menguasai Statistik Parametrik Konsep dan Aplikasi dengan SPSS. Jakarta: PT Elex Media Komputindo.
Saputra, I. A. G., Soewarno, N., & Isnalita. (2019). Faktor-Faktor yang Memengaruhi Keputusan Pembelian Generasi Z pada Kegiatan Bisnis Berbasis E-Commerce. Jurnal Riset dan Aplikasi: Akuntansi dan Manajemen, 4(1), 32-51. doi: doi.org/10.18382/jraam.v4i1.003
Singh, A. K., & Sharma, P. (2022). A study of Indian Gen X and Millennials consumers’ intention to use FinTech payment services during COVID-19 pandemic. Journal of Modelling in Management. doi: 10.1108/JM2-02-2022-0059
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Published
2023-01-26
How to Cite
SAPUTRA, Irwan Adimas Ganda et al.
Determination Of Generation Z's Intention In Using E-Wallet For Payment Transactions.
E-Jurnal Akuntansi, [S.l.], v. 33, n. 1, p. 73-86, jan. 2023.
ISSN 2302-8556.
Available at: <https://ojs.unud.ac.id/index.php/akuntansi/article/view/92798>. Date accessed: 02 may 2024.
doi: https://doi.org/10.24843/EJA.2023.v33.i01.p06.
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