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All Journal Jurnal Pembangunan Pendidikan: Fondasi dan Aplikasi Jurnal Pendidikan Akuntansi Indonesia Jurnal Pendidikan Ekonomi Undiksha Jurnal Pendidikan Akuntansi (JPAK) Ekuitas: Jurnal Pendidikan Ekonomi Jurnal Promosi Pendidikan Ekonomi Monex: Journal of Accounting Research JURNAL PENDIDIKAN EKONOMI: Jurnal Ilmiah Ilmu Pendidikan, Ilmu Ekonomi dan Ilmu Sosial Akuntabel : Jurnal Ekonomi dan Keuangan Forum Ekonomi : Jurnal Ekonomi, Manajemen dan Akuntansi SELAPARANG: Jurnal Pengabdian Masyarakat Berkemajuan JURNAL EKONOMI PENDIDIKAN DAN KEWIRAUSAHAAN Martabe : Jurnal Pengabdian Kepada Masyarakat Jurnal Pendidikan Ekonomi (JURKAMI) Humaniora JAE (Jurnal Akuntansi dan Ekonomi) Kumawula: Jurnal Pengabdian Kepada Masyarakat Jurnal Akun Nabelo : Jurnal Akuntansi Netral, Akuntabel, Objektif Jurnal Edukasi (Ekonomi, Pendidikan dan Akuntansi) JPEKA: Jurnal Pendidikan Ekonomi, Manajemen dan Keuangan Jurnal Inovasi dan Teknologi Pembelajaran (JINOTEP) Kajian dan Riset Dalam Teknologi Pembelajaran Jurnal Abdimas Ilmiah Citra Bakti (JAICB) Annals of Management and Organization Research VALUE: Jurnal Ilmiah Akuntansi, Keuangan dan Bisnis Basic and Applied Education Research Journal (BAERJ) Jurnal Pengabdian dan Edukasi Sekolah (Jubaedah) Kalam Cendekia: Jurnal Ilmiah Kependidikan CENDEKIA: Jurnal Ilmiah Pendidikan JOMPA ABDI: Jurnal Pengabdian Masyarakat Jurnal Pendidikan Ekonomi, Akuntansi dan Kewirausahaan (JPEAKU) Education Journal: Journal Educational Research and Development Amal Ilmiah: Jurnal Pengabdian Kepada Masyarakat Ekuitas Jurnal Pnedidikan Ekonomi
Dwi Herlindawati
Universitas Jember
Agriculture, Biological Sciences & Forestry Arts Humanities Chemical Engineering, Chemistry & Bioengineering Chemistry Computer Science & IT Control & Systems Engineering Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Engineering Environmental Science Health Professions Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Mathematics Medicine & Pharmacology Nursing Physics Public Health Social Sciences Other

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Journal : Annals of Management and Organization Research

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Understanding Cultural Drivers of E-Wallet Continuance Intention among Micro and Small Enterprises in Indonesia Widayani, Anna; Fiernaningsih, Nilawati; Herijanto, Pudji; Normawati, Rani Arifah; Herlindawati, Dwi
Annals of Management and Organization Research Vol. 7 No. 4 (2026): May
Publisher : goodwood publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35912/amor.v7i4.4020

Abstract

Purpose: This study aims to explore the factors influencing e-wallet usage intention among Micro and Small Enterprises (MSE) owners in Indonesia by combining the Technology Acceptance Model (TAM) with cultural aspects. Research Methodology: This study used a quantitative survey of 170 micro and small business owners in Indonesia. Data were gathered through a structured questionnaire and examined using Partial Least Squares Structural Equation Modeling (PLS-SEM) with statistical analysis software. Results: The findings revealed that perceived ease of use and uncertainty avoidance significantly influenced the continuance intention to use e-wallets. Perceived usefulness does not directly affect continuance intention, while collectivism significantly influences perceived usefulness but does not directly impact continued usage. Conclusions: The results suggest that MSE owners’ long-term adoption of e-wallets is strongly driven by system usability and their perception of risk and uncertainty. Cultural context also shapes users’ evaluation of digital financial technologies. Limitations: This study focuses on MSE owners in Indonesia with a small sample size and cross-sectional design, which may limit how widely the findings can be applied. Contributions: This study adds to the existing knowledge on fintech adoption by enhancing the Technology Acceptance Model with cultural aspects in the context of developing nations. The results also offer useful information for fintech firms and government officials to create user-friendly and reliable digital payment solutions.
Co-Authors Agustiningsih Alifia Farrah Almira Anna Widayani Arinda, Annisa Dini Ariza Arisandi Arvianti, Milfalia Bela Fista Agustina Cahyati, Reni Agustina Eka Damayanti Masduki Devi Damayanti Dibyo Waskito Guntoro Ditananda, Zanisa Nadia Djoko Widodo Dwi Lestari Fiernaningsih, Nilawati Galey Riza Achmadan Hazanah, Raudatul Herijanto, Pudji Hety Mustika Ani Indah Lestari, Indah Irmadatus Sholekhah Joko Widodo Lisana Oktavisanti Lisana Oktavisanti M Lisana Oktavisanti Mardiyana M. Yuhdi Yuhdi Marjono Marjono Marjono Marjono Miftakhul Zanah Mukhamad Zulianto Nadia Isnaini Nia Saputri Nisa', Riska Khoirun Normawati, Rani Arifah Nurida, Raniyah Pamungkas, Lingkar Pudjo Suharso Rachmawati, Sela Reka Wahyu Agustin Retna Ngesti Sedyati Retna Ngesti Sedyati, Retna Ngesti Riza Afita Surya Romdloni, Farid Nur S Sukidin Santuso, Mulyo Budi Sari, Nia Devita Sholehah, Riska Maratus Sholekhah, Irmadatus Sri Sri Kantun Tiara Tiara Tiara Tiara Tiara, Tiara Titin Kartini Triyono, Bambang Vera Dinata, Erva Wardhana, Bimantoro Eko Widayani, Anna