Carter, L, Scahaupp, LC., McBride, M.E.,2011. The U.

S e-file initiative: an in-vestigation of the

anteceents to adoption from the individual taxpayers’ perspective. E-Serv. J. 7 (3), 2-19.
Chau, P.Y.K. and Lai, V.S.K. (2003), “An empirical investigation of the determinants of user
acceptance of internet banking”, Journal of Organizational Computing and Electronic
Commerce, Vol. 13 No. 2, pp. 123-145.
Cooper, Donald R. and Pemela S. Schindler. (2003). Business Research Methods, International
Edition, McGraw-Hill Companies, Inc. New York.
Dac-Nhuong Le dkk (eds.). 2019. Cyber Security in Parallel and Distributed Computing.
Scrivener Publishing LLC:Vietnam. Hal. 245–262.
Deb, M. and David, E.L. (2014), “An empirical examination of customers’ adoption of m-
banking in India”, Marketing Intelligence & Planning, Vol. 32 No. 4, pp. 475-494.

Iprice.co.id. (2019). “Siapa Aplikasi E-wallet dengan Pengguna Terbanyak di Indonesia?.”

Diaksess melalui https://iprice.co.id/trend/insights/e-wallet-terbaik-diindonesia/ pada 1
November 2020.

Eka, R. (2019). Tren Perkembangan “Mobile Payment” di Indonesia

https://dailysocial.id/post/perkembangan-mobile-payment-indonesia diakses pada 1
November 2020.

Fitriani, F. (2019). “Mengenal Lebih Dekat E-Wallet Atau Dompet Digital”,online,

(www.kreditpedia.net, diakses pada 3 November 2020).

Geo, R.G., Shaikh, A.A. and Karjaluoto, H. (2017), “Mobile banking services adoption in
Pakistan: are there gender differences?”, International Journal of Bank Marketing, Vol.
35 No. 7, pp. 1090-1114.
Ghozali, Imam. 2013. Aplikasi Analisis Multivariat dengan Program IBM SPSS. Edisi 7.
Semarang: Penerbit Universitas Diponegoro.
Ghozali, Imam. 2014. Structural Equation Modeling, Metode Alternatif dengan Partial Least
Square (PLS). Edisi 4. Semarang : Badan Penerbit Universitas Diponegoro.
Gil-Lafuente, J., and Arroyo-Canada, F.-J. “Influence Factors in Adopting the M-Commerce.”
Paper presented at the MOBILITY 2011, The First International Conference on Mobile
Services, Resources, and Users (2011): 46–50.

Gopay icon. (2020) “why you should upgrade Go-pay”,(online), (https://www.gojek.com/gopay/

diakses 11 Oktober 2020).

Go-Pay. (2018). Website: https://www.dana.id, diakses pada 5 November 2020.

Go-Pay. (2018).Website: www.gojekindonesia.com, diakses pada 3 November 2020.

Grazioli, Stefano dan Jarvenpaa, Sirkka L. 2000. Perils of Internet Fraud: An Empirical
Investigation of Deception and Trust with Experienced Internet Consumers. IEEE
Transactions on Systen, Man, and Cybernetics – Part A: System and Humans, Vol. 30.
No. 4, Juli 2000.
https://www.emaronie.com/2019/09/10-alasan-kamu-harus-pakai-gopay.html, diakses pada 10
desember 2020.

Iprice Team. (2019) “Aplikasi E-wallet dengan Pengguna Terbanyak di Indonesia?”, (online),
(https://iprice.co.id/trend/insights/e-wallet-terbaik-di-indonesia/ diakses 06 Oktober 2018)

Junaedi, N. (2020). “tren penggunaan e-wallet di Indonesia, mana yang unggul?”,online,

(https://www.ekrut.com/media/penggunaan-dompet-digital diakses pada 13 November
2020).

Liu, F., Zhao, X., Chau, P.Y.K. and Tang, Q. (2015), “Roles of perceived value and individual
differences in the acceptance of mobile coupon applications”, Internet Research, Vol. 25
No. 3, pp. 471-495.
Lui Hung Kit dan Rodger Jamieson, 2003. Tritam: a model for integrating trust and risk
perceptions in bussiness to consumer Electronic Commerce. 16 th Bled E-Commerce
Conference e- Transformation, Slovenia.
Mahendra, D. I. (2020, January 15). “Masyarakat merasa nyaman gunakan pembayaran
digital”(https://mediaindonesia.com diakses pada 1 November 2020)

Marimuthu , M., & Roseline , A. (2020). A Study On Consumer Perception Towards E-Wallet.
Our Heritage, 68(17), 283-288.
Martins, C., Oliveira, T. and Popovič, A. (2014), “Understanding the Internet banking adoption:
a unified theory of acceptance and use of technology and perceived risk application”,
International Journal of Information Management, Vol. 34 No. 1, pp. 1-13.
Matemba, E. and Li, G. (2017), “Consumers’ willingness to adopt and use WeChat wallet: an
empirical study in South Africa”, Technology in Society, Vol. 53, pp. 55-68.
Milberg , S. J., Smith , H. J., & Bruke , S. J. (2000). Information privacy: Corporate
management and national regulation. Organization science, 11(1), 35-57.
Moorman, Christine, Rohit Deshpande, and Gerald Zaltman (1993), "Factors Affecting Trust in
Market Research Relationships," Journal of Marketing, 57 (January), 81-101.
OVO. (2017). Website: https://www.ovo.id/information, diakses pada 3 November 2020.

Perdigoto, M., & Picoto, W. (2012). Analysing intention and action in mobile banking services.
Portuguese Journal of Management Studies, 17(2), 133-152.
Pusparisa, Y. (2019). “OVO atau Go-Pay: Mana yang anda pilih?”
https://katadata.co.id/infografik diakses pada 1 November 2020.
Ray, A. (2017, November 8). What are the different types of e-commerce payment systems?
Retrieved February 13, 2020, from Amazon Services:
https://services.amazon.in/resources/seller-blog/different-types-of-e commerce-
paymentsystems.html Research: A Review. International Journal of Research in
Marketing. pp. 181-197.
Rigopoulos, George., and Dimitrios Askounis, (2007) “Perception Toward Online Electronic
Payments. Journal of Internet Banking and Commerce”, Vol. 12, No. 3, pp. 1-5.
Sadi, A. H.M., and Noordin, M.F. “Factors Influencing the Adoption of M-Commerce: An
Exploratory Analysis.” International Conference on Industrial Engineering and
Operations Management. Kuala Lumpur, Malaysia (2011): 492–99.
Sanjaya, IPS. (2005). Pengaruh Manfaat dan Kemudahan Pada Minat Berperilaku (behavioral
intention) Dalam Penggunaan Internet.
Siswanto, R. (2019). “kelebihan 3 e-wallet terpopuler di Indonesia”,online,
(www.pricebook.co.id diakses pada 1 November 2020).

Statista. (2019) “berapa transaksi fintech Indonesia?”,(online), (https://databoks.katadata.co.id

diakses 11 November 2020).

Sugiyono, (2013), Metodelogi Penelitian Kuantitatif, Kualitatif dan R&D. Bandung: Alfabeta.
Sugiyono. (2017). Metode Penelitian Kuantitatif, Kualitatif, dan R&D. Bandung : Alfabeta, CV.
Suki, N. M., & Suki, N. M. (2011). Exploring the relationship between perceived usefulness,
perceived ease of use, perceived enjoyment, attitude and subscribers’ intention towards
using 3G mobile services. Journal of Information Technology Management, 22(1), 1-7
Thieu, T.Q., Lin, C.C., Le, H.N, & Nguyen, V.Q. (2013). Factors Affecting The Use Of E-
Payment In A Developing Country–Vietnam As A Case. IADIS International Conference.
Ulumiyah et al. 2016. Analisis Pengaruh WOM, Penglaman Belanja Online, Persepsi
Kemudahan dan Persepsi Risiko terhadap Minat Belanja Online Melalui Sikap Belanja
Online (Studi pada Toko Online Store Elzatta Hijab). Jurnal Sains Pemasaran Indonesia.
15, 107-118.
Uma Sekaran, 2006, Metodologi Penelitian untuk Bisnis, Edisi 4, Buku 1, Jakarta: Salemba
Empat.
Venkatesh , V., Speier, C., & Morris , M. G. (2002). User acceptance enablers in individual
decision making about technology: Toward an integrated model. Decision sciences,
33(2), 297-316.
Venkatesh, V., Morris, M.G., Davis, G.B. and Davis, F.D. (2003), “User acceptance of
information technology: toward a unified view”, MIS Quarterly, Vol. 27 No. 3, pp. 425-
478.
Warta Ekonomi. “Apa itu Dompet Digital?”,Online, (www.wartaekonomi.com/ diakses 11
November 2020).