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All Journal Scan : Jurnal Teknologi Informasi dan Komunikasi Jurnal Informatika dan Teknik Elektro Terapan Jurnal Sistem Informasi dan Bisnis Cerdas Indonesian Journal of Information System JURIKOM (Jurnal Riset Komputer) Journal of Information System, Applied, Management, Accounting and Research Jutisi: Jurnal Ilmiah Teknik Informatika dan Sistem Informasi bit-Tech Journal of Economics, Business, and Government Challenges Jurnal Repositor Jurnal Layanan Masyarakat (Journal of Public Service) Nusantara Science and Technology Proceedings KLIK: Kajian Ilmiah Informatika dan Komputer Dharma: Jurnal Pengabdian Masyarakat Merkurius: Jurnal Riset Sistem Informasi dan Teknik Informatika JuTISI (Jurnal Teknik Informatika dan Sistem Informasi)
Arista Pratama
Department Of Informatics System, Faculty Of Computer Science, Universitas Pembangunan Nasional “Veteran” Surabaya, East Java
Agriculture, Biological Sciences & Forestry Humanities Chemical Engineering, Chemistry & Bioengineering Computer Science & IT Control & Systems Engineering Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Electrical & Electronics Engineering Engineering Environmental Science Industrial & Manufacturing Engineering Law, Crime, Criminology & Criminal Justice Materials Science & Nanotechnology Medicine & Pharmacology Social Sciences Other

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Adoption of ShopeePay Among Indonesian Gen Z Women: A UTAUT-Based Evaluation Nadilla Anidew; Arista Pratama; Asif Faroqi
bit-Tech Vol. 8 No. 1 (2025): bit-Tech
Publisher : Komunitas Dosen Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32877/bt.v8i1.2840

Abstract

This study investigates factors influencing the adoption and utilization of ShopeePay, a digital wallet integrated within the Shopee e-commerce platform, among Generation Z women in Indonesia. Given this demographic group's active engagement in digital transactions, identifying key behavioral factors underlying their adoption of mobile payment technologies is essential. Guided by the Unified Theory of Acceptance and Use of Technology (UTAUT), this research examines core determinants of behavioral intention toward ShopeePay, additionally incorporating trust, perceived security, and network externalities into the analytical framework. Employing a quantitative research methodology, the study utilized an online structured survey involving 160 female respondents aged between 18 and 27 years who actively use ShopeePay. Data were analyzed using Partial Least Squares Structural Equation Modeling (PLS-SEM) through SmartPLS version 4.1.0.9. Findings demonstrate that performance expectancy, social influence, and perceived security significantly and positively affect behavioral intention to adopt ShopeePay. Trust indirectly influences intention through its impact on performance expectancy. Interestingly, effort expectancy and facilitating conditions did not demonstrate significant direct effects on behavioral intention. These results underscore that Gen Z female users prioritize application performance, social recommendations, and perceived safety when selecting digital payment solutions. Practically, these insights inform e-wallet developers and marketing professionals in designing targeted functionalities and marketing strategies aligned with user expectations and digital habits. Moreover, this study contributes to existing academic literature on mobile payment adoption and offers strategic implications for enhancing user acceptance, particularly among young female consumers in Indonesia.
Co-Authors Achmad Bias Firmansyah Agung Brastama Putra Ananda Devi Muri Utomo Andre Yusuf Trisna Putra Anindo Saka Fitri Anita Wulansari Artanto, Aphief Tri Asif Faroqi Athallah Rafif Cahyono Ayu Ithriah, Syurfah Bayu Wibisono, Aryo Chairunnisa, Zulfa Firnanda Cyndya Nandhany Dimas Febri Armanda Endang Sholihatin Erista Maya Safitri Erwan Adi Saputro Hidayatul Aini Puteri Hil Dina Mulya Dewi Indrawati Yuhertiana Iqbal Mahendra Ivana Elfirdaus Kevin Khanza Pangestu Khoirunisa Jannatuzzahra Krisya Khoiriyah Kusumantara, Prisa Marga Laksmi Diana Lintang Firdaus Mandyartha, Eka Prakarsa Masykuri Latief Muhammad Adiarsyah Syainal Muhammad Aldi Pratama Muhammad Darriel Aqmal Aksana Nadilla Anidew Nanang Haryono Naufal, Rifqi Nurisa Rahma Shantika Parlika, Rizky Ridwandono, Doddy Rizki Parlika Rizky, Ahmad Virdauzy Roziana Febrianita Sidiq Satria Tama Sukarno, Gendut Sukirmiyadi, Sukirmiyadi Taqiya, Namira Abda Tri Lathif Mardi Suryanto Virdha Rahma Aulia Wijaya, Devan Cakra Mudra