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All Journal Jurnal Manajemen dan Kewirausahaan (JMDK) Jurnal Maneksi (Management Ekonomi Dan Akuntansi) Journal of Business and Behavioural Entrepreneurship IKRA-ITH ABDIMAS Journal of Management and Leadership eCo-Buss Jurnal Penelitian Ekonomi Akuntansi (JENSI) ANALISIS - SCIENTIFIC JOURNAL OF ECONOMICS, MANAGEMENT, BUSINESS, AND ACCOUNTING Jurnal Manajemen dan Inovasi (MANOVA) Journal of Servite International Journal of Digital Entrepreneurship and Business (IDEB) Jurnal Valuasi : Jurnal Ilmiah Ilmu Manajemen dan Kewirausahaan Jurnal Riset Manajemen dan Bisnis
Fahri Haikal
Universitas Tanri Abeng
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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Understanding Digital Wallet Use Through Financial and Technology Factors: An Extended UTAUT Approach Fahri Haikal; Suyanto .; Ari Warokka; Narti Eka Putri
International Journal of Digital Entrepreneurship and Business Vol 7 No 2 (2026): International Journal of Digital Entrepreneurship and Business (IDEB)
Publisher : Universitas Jakarta Internasional

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52238/ideb.v7i2.432

Abstract

This study aimed to analyze the factors influencing behavioral intention and use behavior regarding digital wallets by extending the Unified Theory of Acceptance and Use of Technology (UTAUT) model through the integration of financial literacy. A quantitative explanatory design was employed with 250 digital wallet users in Jakarta, Indonesia, selected through purposive sampling. Data were collected using a five-point Likert-scale questionnaire and analyzed using Partial Least Squares Structural Equation Modeling (PLS-SEM). Social influence and facilitating conditions positively affected behavioral intention, with path coefficients of 0.395 and 0.340, respectively, whereas performance expectancy and effort expectancy did not have significant effects. Behavioral intention strongly affected use behavior (β = 0.615). Financial literacy neither directly affected use behavior nor moderated the relationship between behavioral intention and use behavior. The findings refine the application of UTAUT by showing that social and facilitating factors, rather than perceived benefits, ease of use, or financial literacy, primarily explain digital wallet usage in this context. Digital wallet providers should strengthen user support, transaction access, and socially reinforced adoption. The study is original in positioning financial literacy as both an external predictor and a moderator in explaining digital wallet use.
Co-Authors Aden Apandi AGUNG PRIYONO Akhmad Hairul Umam, Akhmad Hairul Alamsyah Siregar Annisa Annisa Ari Warokka Azhari, Muhammad Zakky Bella Suryani Delvy Pramia Ardhela Diandra, Didip Diin Fitri Ande Dwi Astuti, Nani Fadhli Muharram Karasna, Danang Kartanegara, Adam Mohammad Hamim Muhammad Femy Mulyana Mulya, Muhamad Femy Munir, Anita Musdalifa Ramdhani Johardi Mustofa, Yusufi Arif Olivia, Putri Sarah Putra, Awang Darmawan Putri Sarah Olivia Putri, Narti Eka Randy Dwiyan Delyuzir Saipul Anwar Saryatmo, Agung Sonia Sonia Sulistianto, Hario Suyanto . Suyanto Suyanto Syafiq Rayhan Galfani Tiffany Vanessia Vitrio Wibisono Yusufi Arif Mustafa Zahra, Putri Alifia