Behavior Analysis of Using E-Wallet Features in the Covid-19 Pandemic Era by Applying Technology Acceptance Models

Clara, Catharina and Leovani, Ega (2021) Behavior Analysis of Using E-Wallet Features in the Covid-19 Pandemic Era by Applying Technology Acceptance Models. In: The 2nd APTIK INTERNATIONAL CONFERENCE ON POVERTY AND ENVIRONMENT (2AIC), A Sustainable Recovery for People and the Environment, 19-20 November 2021, online, https://ukdlsm.ac.id/2aic-zoom. (In Press)

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Abstract

This study aims to analyze and understand consumer behavior in using electronic wallets (e-wallets) including pay later derivative features during the Covid-19 pandemic. Technology Acceptance Model (TAM) was used to measure the “perceived usefulness” and “perceived ease of using” e-wallet. In addition, perceived risk and user experience effect on the behavior of using digital wallets is also measured. The method used is an online survey to electronic wallet users through direct messages to followers of the official Instagram social media accounts of the top 5 electronic wallet companies in Indonesia. Mean score, multiple linear regression, and moderated regression analysis (MRA) were used to analyze and hypotheses testing. The results showed an increase in the use of e-wallet during the Covid-19 pandemic, but respondents still felt a high risk in using the pay later feature. The ‘perceived usefulness”, “perceived ease of use”, and user experience positively influences e-wallet reuse interest. The user's perceived risk becomes lower with more frequent use, this makes the interest in continuing to use high. Especially for the risk of using the pay later feature, respondents are still hesitant to use it so that it has a negative relationship with the behavior of using the pay later feature in digital wallets. Perceived risk acts as a quasi-moderator in the relationship between post-use evaluation and interest to use continuously.

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