<![CDATA[With the popularity of mobile devices and new technologies such as digital wallets that replace credit cards and cash as the main payment methods, this study examines the usage intentions and usage behavior of digital wallets by users in Indonesia through the Extended UTAUT model. Using a quantitative approach with the SEM-PLS method, this study integrates variables such as mobile self-efficacy, perceived enjoyment, satisfaction, performance expectancy, effort expectancy, social influence, facilitating conditions, behavioral intention, use behavior, and perceived service quality. This study focuses on digital wallet users in Indonesia, so the results may not be generalized to other populations. The results show that satisfaction, facilitating conditions, and performance expectancy have a significant influence on behavioral intention to use digital wallets, which in turn significantly affects use behavior. In addition, mobile self-efficacy significantly affects perceived enjoyment, which has an impact on satisfaction, performance expectancy, and effort expectancy. Practical benefits can be derived from this empirical data, which can be used as a reference for marketing, penetration, and segmentation strategies in the digital wallet industry. This expanded framework allows for a more in-depth exploration of the factors influencing the adoption and usage behavior of digital wallets, as well as providing new insights into how these expanded factors interact with each other in the UTAUT model among digital wallet users in Indonesia.]]>
