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All Journal Fair Value: Jurnal Ilmiah Akuntansi dan Keuangan Budapest International Research and Critics Institute-Journal (BIRCI-Journal): Humanities and Social Sciences Jurnal Ilmu Ekonomi Mulawarman (JIEM) Jurnal Riset Rumpun Ilmu Sosial, Politik dan Humaniora (JURRISH) International Journal of Sustainable Applied Sciences (IJSAS) International Journal of Economics, Commerce, and Management International Journal of Economics and Management Sciences International Journal of Economics, Management and Accounting Indonesian Journal of Research and Service Studies Journal of Digital Business and Global Economy
Muhammad Awaluddin
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Religion Arts Humanities Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Environmental Science Languange, Linguistic, Communication & Media Social Sciences Other

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Explaining E-Wallet Adoption Among SMEs in Indonesia: An Extended Protection Motivation Theory Approach Muhammad Awaluddin
Journal of Digital Business and Global Economy Vol. 1 No. 5 (2025): Journal of Digital Business and Global Economy
Publisher : Asosiasi Transformasi Digital Dan Bisnis Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.64243/JODIGBI.01.5.01

Abstract

This study explores the determinants of e-wallet adoption among small and medium enterprises (SMEs) in the Indonesian food and beverage sector by applying Protection Motivation Theory, extended with trust and privacy concern. A cross-sectional survey of 400 SME owners and managers was conducted using a semantic differential scale, and the data were analyzed with structural equation modeling. The measurement model demonstrated strong reliability and validity, while the structural model provided robust explanatory power. The results revealed that perceived vulnerability, perceived severity, response efficacy, and self-efficacy positively influenced intention to adopt e-wallets, whereas response cost and privacy concern had negative effects. Trust played a dual role, directly enhancing both intention and actual use, and moderating the relationship between intention and behavior. Intention was also confirmed as the key mediator linking cognitive appraisals to adoption behavior. Overall, the model explained 62% of the variance in intention and 71% in actual use, demonstrating its strong predictive capacity. These findings highlight the importance of trust, efficacy beliefs, and cost perceptions in shaping digital payment adoption, offering both theoretical insights and practical guidance for fintech providers and policymakers in emerging markets
Co-Authors A. Djazim Ma'shum Abdul Karim Adi Wijaya Aji Sofyan Effendi Andriani Sulistia Ningrum Asih Mulyani Desy Hariyanti Diana Lestari Dr. Michael, M.S Michael Eny Rochaida Evarda Forwadi Fadilatul Aidiah Fifin Febriati Fitrah Hitayah Fitriadi Mashud Fransiska Reza Karina Hayuning Ghufron Rosadi Hidayah Heni Pujiastuti Ita Ika Luciana Jiuhardi Jiuhardi Juliansyah Roy Lukman Aditya melindawati Michael Nanang Setiawan Parlin Paska Pasaribu Priyagus, Priyagus Rahmad Refani Sjamsu Djohan Zakiah Zamrudin Hasid