Pengaruh Perceived Risk, Perceived Usefulness, Perceived Ease Of Use, And Social Influence Terhadap Intention To Use E-Wallet
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Abstract
Penelitian ini bertujuan untuk menganalisis pengaruh perceived risk, perceived usefulness, perceived ease of use, dan social influence terhadap intention to use e- wallet pada masyarakat DKI Jakarta. Metode penelitian menggunakan pendekatan kuantitatif melalui survei daring dengan teknik purposive sampling terhadap 170 responden. Data dianalisis dengan metode Structural Equation Modeling–Partial Least Squares (SEM-PLS) menggunakan SmartPLS 4. Hasil penelitian menunjukkan bahwa perceived ease of use (β = 0,431; p < 0,001) dan social influence (β = 0,207; p = 0,016) berpengaruh positif signifikan terhadap intention to use, sedangkan perceived risk (p = 0,658) dan perceived usefulness (p = 0,098) tidak berpengaruh signifikan. Model penelitian ini menjelaskan 43,5% variasi intention to use (R² = 0,435). Temuan ini menegaskan bahwa kemudahan penggunaan dan pengaruh sosial menjadi faktor utama dalam mendorong adopsi e- wallet, sementara manfaat dan risiko dianggap kurang menentukan. Kontribusi penelitian ini terletak pada pengayaan model Technology Acceptance Model (TAM) di konteks pengguna digital perkotaan, khususnya DKI Jakarta.
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