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Analysis of E-Money Acceptance among Young Generation in Denpasar City Budiana Penindra, I Made Dwi; Wedagama, Dewa Made Priyantha; I Gusti Ngurah Priambadi; Komaladewi, Anak Agung Istri Agung Sri
E-Jurnal Akuntansi Vol. 36 No. 1 (2026)
Publisher : Fakultas Ekonomi dan Bisnis Universitas Udayana

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24843/EJA.2026.v36.i01.p03

Abstract

The development of digital payment systems has encouraged the increased use of electronic money (e-money) in Indonesia, particularly among the young generation as digital natives. However, the level of acceptance and usage of e-money is not yet evenly distributed, including in urban areas such as Denpasar City. This study aims to analyze the factors influencing e-money acceptance among the young generation in Denpasar City using the Technology Acceptance Model (TAM) approach with 114 respondent. This study employed a survey method with purposive sampling targeting young e-money users in Denpasar City. Data were analyzed using Structural Equation Modeling–Partial Least Squares (SEM-PLS). The results indicate that perceived usefulness and perceived ease of use have a positive and significant effect on attitude toward using e-money, and attitude toward using significantly affects behavioral intention to use. These findings confirm that perceived benefits and ease of use are key determinants in shaping attitudes and intentions to use e-money among the young generation. This study provides practical implications for e-money service providers and policymakers in promoting digital payment adoption.
A MULTINOMIAL LOGIT MODEL FOR ESTIMATING THE INFLUENCE OF HOUSEHOLD CHARACTERISTICS ON MOTORCYCLE OWNERSHIP: A Case Study in Denpasar City, Bali D. M. Priyantha Wedagama
Journal of Civil Engineering Vol. 29 No. 1 (2009)
Publisher : Institut Teknologi Sepuluh Nopember (ITS)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.12962/j20861206.v29i1.7598

Abstract

This study investigates on household factors which influence motorcycle ownership in Denpasar city, Bali by using a multinomial logit model. The analyses show that the number of family members were about 0.83 and 2.6 times more likely to own, respectively, two and three motorcycles or more than one motorcycle. Total household income of less than one million rupiahs and between one and two million rupiahs were respectively 83.7 and 84.7 percents less likely to influence three motorcycles or more than one motorcycle ownership. Meanwhile, due to its high maneuverability on the congested road, a household was about 3.3 times more likely to own three motorcycles or more than one motorcycle. The probability analyses present that a double change in number of family member could influence one, two, and three motorcycles ownership or more by 19, 34, and 48 percents, respectively.