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All Journal Jurnal Keuangan dan Perbankan Kinerja Journal of Indonesian Economy and Business PROSIDING SEMINAR NASIONAL CENDEKIAWAN Jurnal Ekonomi KIAT International Journal of Social Science, Education, Communication and Economics Jurnal Ekonomi Trisakti PROGRESIF PENANOMICS: INTERNATIONAL JOURNAL OF ECONOMICS Publikasi Ilmiah Bidang Pengabdian Kepada Masyarakat (SIKEMAS) Media Ekonomi Asean International Journal of Business e-Jurnal Apresiasi Ekonomi Economica: Journal of Economic and Economic Education Dirkantara Indonesia Triwikrama: Jurnal Ilmu Sosial INOVASI: Jurnal Politik dan Kebijakan Asian Journal of Management, Entrepreneurship and Social Science Jurnal Sains dan Kesehatan
Sri Yani Kusumastuti
Universitas Trisakti
Religion Agriculture, Biological Sciences & Forestry Arts Humanities Biochemistry, Genetics & Molecular Biology Chemical Engineering, Chemistry & Bioengineering Chemistry Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Environmental Science Immunology & microbiology Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Medicine & Pharmacology Public Health Social Sciences Other

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THE EFFECT OF TRUST, PERCEIVED EASE OF USE, AND PERCEIVED RISK ON CONTINUANCE USE OF GOPAY: THE EFFECT OF TRUST, PERCEIVED EASE OF USE, AND PERCEIVED RISK ON CONTINUANCE USE OF GOPAY Rahayu, Shinta Sri; Kusumastuti, Sri Yani
PENANOMICS: International Journal of Economics Vol. 4 No. 3 (2025): December
Publisher : Yayasan Pusat Cendekiawan Intelektual Nusantara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56107/penanomics.v4i3.277

Abstract

Drawing on the Technology Acceptance Model (TAM) and the Expectation–Confirmation Model (ECM), this study investigates the effects of perceived ease of use, trust, and perceived risk on the continuance usage of the GoPay digital wallet. A quantitative research design was employed using a survey of 391 GoPay users in Indonesia. Data were collected through a structured Likert-scale questionnaire and analyzed using Structural Equation Modeling (SEM) to examine the proposed relationships. The findings indicate that perceived ease of use has a positive and significant effect on continuance usage, supporting TAM’s proposition that usability enhances users’ post-adoption behavior. Trust also exhibits a positive and significant influence on continuance usage, highlighting the role of transaction security, system reliability, and personal data protection in reinforcing users’ confirmation of expectations, as emphasized in ECM. In contrast, perceived risk does not significantly affect continuance usage, suggesting that potential risks are perceived as manageable and do not outweigh the perceived benefits of continued use. Overall, the results confirm that perceived ease of use and trust are the primary determinants of digital wallet continuance usage, while the integrated model explains users’ post-adoption behavior effectively. This study contributes to the fintech literature by extending TAM and ECM to the context of digital wallet services and offers managerial insights for strengthening user retention through usability and trust-enhancing strategies.
Co-Authors Abitur Asianto Agrevinna Beatrice Agustina Suparyati Agustina Suparyati, Agustina Akmal, Makarimal Amrie Firmansyah Anna S. N. Dasril Audrey Alviona Ribuna Kaban Bayu Sedih Nanda Ria Carissa Vania Dini Hariyanti Dzulfikar Kharisma Ego Bagas Anugerah Pratama Eleonora Sofilda Endrawati Fatimah, Endrawati Erista Nurfianingrum Fadilah, Putri Fadilla, Meita Indah Fajrig Arsyelan Haedzar P, Rizqi Hangga Filardikh Bachtiar Haznil Zainal Hermansyah Hermansyah Ika Kristina Intan Afriyani Irma Agustiani Justin, Justin Kharisma, Dzulfikar Khirstina Curry Lavli Matria Esya Marwansyah Marwansyah Mia Amelia Mirna Albertina Wijaja Nidya Khaeruni Nur Hidayatullah Nur Hidayatullah Nurhafifah Amalina Nurhayati Nurhayati Pardomuan Sihombing, Pardomuan Pradana, Rizqi Haedzar Prakosa Andiantyo Purba, Samuel Fery Putri Fadilah Putri, Risza Estuning Puspita Raden Mohamad Herdian Bhakti Raden Rudi Alhempi Rahayu, Shinta Sri Simandjorang, Bonataon MT Vincent Sumiyarti Syafri Taureni Hayati Teresia Perpetua Kota Tia Anggraini Yulyanah Yulyanah