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All Journal Jurnal Ilmu Ekonomi, Pendidikan dan Teknik (IDENTIK) Journal of Emerging Information Systems and Business Intelligence (JEISBI)
Laura Naily Tsabita
Universitas Negeri Surabaya
Religion Civil Engineering, Building, Construction & Architecture Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Engineering Languange, Linguistic, Communication & Media Library & Information Science

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User Acceptance of the SpeedCash Digital Wallet Using TAM Laura Naily Tsabita; Dwi Fatrianto Suyatno
Journal of Emerging Information Systems and Business Intelligence (JEISBI) Vol. 7 No. 3 (2026): Vol. 07 Issue 03
Publisher : Universitas Negeri Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26740/jeisbi.v7i3.78260

Abstract

The rapid development of financial technology has increased the use of digital wallets as a practical and efficient payment method. One of the developing digital wallet applications in Indonesia is SpeedCash. This study aims to analyze user acceptance of the SpeedCash digital wallet application using the Technology Acceptance Model (TAM). The variables used in this study include perceived ease of use, perceived usefulness, attitude toward using, and behavioral intention to use. This research employed a quantitative approach by distributing questionnaires to SpeedCash users. The collected data were analyzed using the Structural Equation Modeling-Partial Least Square (SEM-PLS) method. The results indicate that perceived ease of use has a positive effect on perceived usefulness and attitude toward using. In addition, perceived usefulness significantly influences users’ attitudes toward using the application. The variable attitude toward using also has a significant effect on behavioral intention to use the SpeedCash application. These findings indicate that ease of use and perceived benefits are the main factors influencing user acceptance of the SpeedCash digital wallet. This study is expected to provide insights for application developers in improving service quality and user experience to increase sustainable application usage.
User Acceptance Of The Speedcash Digital Wallet Using Tam Laura Naily Tsabita; Dwi Fatrianto Suyatno
Jurnal Ilmu Ekonomi, Pendidikan dan Teknik Vol. 3 No. 3 (2026): IDENTIK - Mei
Publisher : CV. SINAR HOWUHOWU

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70134/identik.v3i3.1495

Abstract

The rapid growth of digital wallet services highlights the importance of understanding factors influencing user acceptance of financial technology applications. This study aims to analyze the level of technology acceptance of the SpeedCash digital wallet application using the Technology Acceptance Model (TAM). A quantitative approach was employed by distributing questionnaires to SpeedCash users selected through purposive sampling. The variables examined include Perceived Ease of Use (PEOU), Perceived Usefulness (PU), Attitude Toward Using (ATU), Behavioral Intention to Use (BI), and Actual Usage (AU). Data were analyzed using Partial Least Squares–Structural Equation Modeling (PLS-SEM), including validity testing, reliability testing, outer model evaluation, and inner model evaluation. The results indicate that Perceived Ease of Use has a positive and significant effect on both Perceived Usefulness and Attitude Toward Using. Perceived Usefulness also positively influences Attitude Toward Using. Furthermore, Attitude Toward Using positively affects Behavioral Intention to Use, while Behavioral Intention to Use positively affects Actual Usage. The findings demonstrate that perceived ease of use and perceived usefulness are the primary factors shaping users’ attitudes, intentions, and actual usage of the SpeedCash application. Therefore, improving service quality through user-friendly features and providing tangible benefits to users can enhance technology acceptance of the SpeedCash digital wallet application.  
Co-Authors Dwi Fatrianto Suyatno