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All Journal Journal of Economic, Bussines and Accounting (COSTING) JURNAL LENTERA BISNIS Budapest International Research and Critics Institute-Journal (BIRCI-Journal): Humanities and Social Sciences Journal of Research in Mathematics Trends and Technology Studi Ilmu Manajemen dan Organisasi Journal of Management Analytical and Solution Journal Of Management Analytical and Solution (JoMAS)
Chania, Mutia Fitri
Management Department, Economics And Business Faculty, Universitas Sumatera Utara, Medan, 20155, Indonesia
Religion Arts Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Mathematics Social Sciences

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Journal : Journal of Management Analytical and Solution

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Generation Y and Digital Transformation: Determinants of Intention to Adopt E-Payment Harahap, Heri Faisal; Chania, Mutia Fitri
Journal Of Management Analytical and Solution (JoMAS) Vol. 5 No. 1 (2025): Journal Of Management Analytical and Solution (JOMAS)
Publisher : TALENTA Publisher, Universitas Sumatera Utara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32734/jomas.v5i1.19535

Abstract

This study examines the factors influencing Generation Y’s intention to adopt ePayment services, using the Technology Acceptance Model (TAM) framework.The study involved 200 Generation Y respondents. The variables tested includeperceived usefulness, perceived ease of use, perceived risk, and subjectivenorms. Structural Equation Modeling-Partial Least Square (SEM-PLS) analysisrevealed that all variables significantly influence the intention to adopt ePayment. The findings indicate that perceived usefulness and ease of use havethe most substantial impact, reflecting the importance of efficient and accessiblesystems for users. Conversely, perceived risk, particularly concerning securityand privacy, acts as a primary barrier, highlighting the need for more securesystem development. Subjective norms also influence user intentions throughsocial pressures from family, friends, and other significant figures. This studyunderscores the importance of addressing perceived risks, enhancing systemusability, and leveraging social influence to promote e-Payment adoption amongGeneration Y. The findings offer strategic insights for technology developers,policymakers, and marketers to optimise e-Payment implementation and userengagement.
Co-Authors Amlys Syahputra Silalahi Harahap, Heri Faisal Heri Faisal Harahap Ira Pane Isfenti Sadalia Ishbir Mujahid Adha Khaira Amalia Fachrudin Kusuma, Felicia Frederica Lubis, Andrew Satria Oyami Sara Pasaribu , Kurnia Arifah Permatasari, Dina Indah Sembiring, Jessi Charina Vebiony, Viony Zulfan