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DETERMINAN KEPUTUSAN PENGGUNAAN E-WALLET DI LOMBOK: LITERASI KEUANGAN SEBAGAI MODERASI
This study aims to analyze the factors that affect the decision to use e-wallets in Lombok based on the Theory Technology Acceptance Model (TAM), as well as to test the role of Financial Literacy as a moderation variable. The model applied in this study involves three independent variables, namely the perception of usability, the perception of convenience, and social influence, and one moderation variable, namely financial literacy. Furthermore, there is only one dependent variable, namely, the decision to use an e-wallet. This study uses a quantitative approach with the Structural Equation Modeling–Partial Least Square (SEM-PLS) method. The research sample amounted to 200 e-wallet users in Lombok consisting of four districts, namely East Lombok, Central Lombok, Central Lombok and Lombok, which were obtained through purposive sampling techniques to ensure proportional representation and according to the research criteria. Data was collected through a Likert scale questionnaire and analyzed using the SmartPLS 4.1.1.4 application. The results of the direct relationship test of all the indicators used to measure the variables were significant at an alpha value of 5% or 0.05. This study shows that Perceived Userfulness has a negative effect with a coefficient value of -0122 and p-value of 0.128, Perceived Ease Of Use has a positive and significant effect with a coefficient value of 0.216 and p-value of 0.005, and Social Influence has a positive and significant effect with a coefficient value of 0.651 and p-value of 0.000. Financial literacy did not moderate the relationship between perceived userfulness towards e-wallet usage decisions with a path-coefficient value of -0.175 showing a negative but significant influence with a p-value of 0.003. In addition, financial literacy was able to moderate the relationship between perceived ease of use and e-wallet usage decisions with a path-coefficient value of -0.216 showing a positive and significant influence with a p-value of 0.005.
FAKULTAS EKONOMI DAN BISNIS ISLAM, UIN SUNAN KALIJAGA YOGYAKARTA
DETERMINAN KEPUTUSAN PENGGUNAAN E-WALLET DI LOMBOK: LITERASI KEUANGAN SEBAGAI MODERASI (Text)
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332 Ekonomi Keuangan dan Finansial, Ekonomi Biaya dan Pembiayaan