RESULTS

Ease of Use (Hannah)

The intention and behavior to utilize technology are considerably and favorably influenced by
ease of use (Li, Mirosa, & Bremer, 2020). Thus, users will find e-wallet systems that look simple
to manage, use, adapt and require no mental or physical effort (Makanyeza, 2017). The present
study verified the hypothesis that respondents utilize e-wallet for their ease of use. These
results support the results of previous research conducted by Kustono (2020) which suggests
that perceived ease of use affects the intention to use e-wallet.

Usefulness (Hannah)

Liu and Tai (insert year) revealed that usefulness is significantly associated with adopting e-
wallets (2016). The result of the present study suggests that perceived usefulness influences
college students' behavior in using e-wallets as an investment tool. This is congruent to the
findings of Yang et. al. (2021) which verified the significantly positive effect displayed by
perceived usefulness and the intention to use an e‐wallet

Convenience (Ian)

Convenience is the most substantial factor in offline and online spending (Ozturk, Bilgihan,
Nusair, & Okumus, 2016). In this study, it has been revealed that the respondents perceive e-
wallet as convenient to use in any kinds of transactions. This finding is consistent with the study
cvonducted by Wardana et. al. (2022) which suggests that convenience has a positive and
significant effect on the intention to use e-wallet. This implies that the higher the convenience,
the higher the intention to use e-wallet.

Security (Ian)

According to Moradi (2013) and Kumar (2018), perceived security significantly correlates with
customers' behavioral intentions toward e-wallets. The findings of this study suggest that most
of the respondents feel a sense of security when using e-wallet. This is in contrast with the
findings of the study conducted by Undale et. al. (2020) which aimed to examine the perceived
eWallet security in the context of COVID-19 pandemic. The findings showed that users are now
more apprehensive about eWallet.
REFERENCES:

Kustono, A. S., Nanggala, A., & Mas’ud, I. (2020). Determinants of the Use of E-Wallet for

Transaction Payment among College Students. Journal of Economics, Business, and

Accountancy | Ventura. https://doi.org/10.14414/jebav.v23i1.2245

Undale, S., Kulkarni, A., & Patil, H. (2021). Perceived eWallet security: impact of COVID-19

pandemic. Vilakshan, 18(1), 89–104. https://doi.org/10.1108/xjm-07-2020-0022

Wardana, A. A., Saputro, E. P., Wahyuddin, M., & Abas, N. I. (2022). The Effect of

Convenience, Perceived Ease of Use, and Perceived Usefulness on Intention to Use E-

Wallet. Atlantis Press. https://doi.org/10.2991/aebmr.k.220602.051

Yang, M., Mamun, A. A., Hering, B. J., Nawi, N. C., & Zainol, N. R. (2021). Cashless

Transactions: A Study on Intention and Adoption of e-Wallets. Sustainability, 13(2), 831.

https://doi.org/10.3390/su13020831