{"title":"Understanding E-Wallet Usage in Indonesia During the Covid-19 Pandemic: Focus on Trust and Risk","authors":"A. M. Sundjaja, Evelyn","doi":"10.1109/ICIMCIS53775.2021.9699349","DOIUrl":null,"url":null,"abstract":"This paper aims to examine the determinant factors that influence e-Wallet usage behavior, as mediated by trust and perceived risk. The research data was collected using an online questionnaire distributed using a convenience and snowball sampling technique, yielding 354 e-Wallet users. AMOS 22 software was used to analyze the data using the structural equation modeling (SEM) technique. They were tested for validity, reliability, normality, outlier, and goodness-of-fit to ensure that the model, indicators, and research data were valid. Trust, financial incentives, dispositional trust, and innovativeness had a significant positive effect on usage behavior, whereas perceived risk had no effect.","PeriodicalId":250460,"journal":{"name":"2021 International Conference on Informatics, Multimedia, Cyber and Information System (ICIMCIS","volume":"1 1","pages":"0"},"PeriodicalIF":0.0000,"publicationDate":"2021-10-28","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":"1","resultStr":null,"platform":"Semanticscholar","paperid":null,"PeriodicalName":"2021 International Conference on Informatics, Multimedia, Cyber and Information System (ICIMCIS","FirstCategoryId":"1085","ListUrlMain":"https://doi.org/10.1109/ICIMCIS53775.2021.9699349","RegionNum":0,"RegionCategory":null,"ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":null,"EPubDate":"","PubModel":"","JCR":"","JCRName":"","Score":null,"Total":0}
引用次数: 1
Abstract
This paper aims to examine the determinant factors that influence e-Wallet usage behavior, as mediated by trust and perceived risk. The research data was collected using an online questionnaire distributed using a convenience and snowball sampling technique, yielding 354 e-Wallet users. AMOS 22 software was used to analyze the data using the structural equation modeling (SEM) technique. They were tested for validity, reliability, normality, outlier, and goodness-of-fit to ensure that the model, indicators, and research data were valid. Trust, financial incentives, dispositional trust, and innovativeness had a significant positive effect on usage behavior, whereas perceived risk had no effect.
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