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All Journal JURNAL EMBA : JURNAL RISET EKONOMI, MANAJEMEN, BISNIS DAN AKUNTANSI
Wuwungan, Angelika Regina
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Economics, Econometrics & Finance

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THE INFLUENCE OF E-WOM AND PERCEIVED BENEFITS ON THE DECISION TO USE E-WALLET WITH CUSTOMER TRUST AS AN INTERVENING VARIABLE IN FEB UNSRAT STUDENT Wuwungan, Angelika Regina; Tielung, Maria V.J.; Pandowo, Merinda H.C.
Jurnal EMBA : Jurnal Riset Ekonomi, Manajemen, Bisnis dan Akuntansi Vol. 12 No. 4 (2024): JE. VOL 12 NO 4. 2024
Publisher : Universitas Sam Ratulangi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35794/emba.v12i4.58941

Abstract

This research investigates the influence of Electronic Word of Mouth (E-WOM) and perceived benefits on the decision to use e-wallets, with customer trust as an intervening variable, among students at the Faculty of Economics and Business (FEB) Sam Ratulangi University (UNSRAT). This study utilizes a quantitative research method, with 100 FEB UNSRAT students who are active e-wallet users as the sample. Data were collected through questionnaires and analyzed using the Smart PLS 4 program to test the hypotheses. The findings reveal that E-WOM positively affects customer trust but does not significantly influence the decision to use e-wallets. Conversely, perceived benefits positively and significantly influence both customer trust and the decision to use e-wallets. However, customer trust was not found to directly impact the decision to use e-wallets. The results suggest that while E-WOM builds trust, perceived benefits play a more significant role in determining e-wallet adoption. These findings highlight the importance of emphasizing the practical advantages of e-wallets to encourage wider usage among students.   Keywords: E-WOM, Perceived Benefits, Decision to Use, Customer Trust, E-Wallet
Co-Authors Maria Tielung Merinda H. Ch. Pandowo