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All Journal Jurnal Akademi Akuntansi (JAA)
Ika Yustiana Rahmawati
Faculty of Economics and Business, University of Muhammadiyah Purwokerto, Purwokerto, Indonesia
Economics, Econometrics & Finance

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Digital payment usage: behavioral intention mediating financial literacy, norms and control Bilqis Adila Amri; Naelati Tubastuvi; Erny Rachmawati; Ika Yustiana Rahmawati
Jurnal Akademi Akuntansi Vol. 9 No. 3 (2026): Jurnal Akademi Akuntansi (JAA)
Publisher : Universitas Muhammadiyah Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22219/jaa.v9i3.43582

Abstract

Purpose: This study examines the influence of financial literacy, subjective norm, and perceived behavioral control on the intention and behavior of digital payment usage among Generation Z in Purwokerto. Methodology/approach: A quantitative approach was employed using data from 206 Generation Z respondents in Purwokerto who actively use digital payment applications such as OVO, GoPay, ShopeePay, and DANA. Data were analyzed using SmartPLS 4. Findings: The results indicate that financial literacy does not significantly affect intention or digital payment usage behavior. Perceived behavioral control significantly influences intention but has no direct effect on usage behavior; however, its indirect effect is mediated by intention. Subjective norm significantly affects both intention and actual usage behavior, while intention itself significantly influences digital payment usage behavior. Practical and theoretical contribution/originality: This study extends the Theory of Planned Behavior by incorporating financial literacy and highlights the dominant role of social influence and perceived behavioral control in digital payment adoption. Research limitation: This study is limited to respondents in Purwokerto and a limited number of variables.
Co-Authors Bilqis Adila Amri Erny Rachmawati Naelati Tubastuvi