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All Journal Jurnal Ilmiah Admnistrasi Niaga EKOMBIS REVIEW: Jurnal Ilmiah Ekonomi dan Bisnis Syntax Literate: Jurnal Ilmiah Indonesia JMBI UNSRAT (Jurnal Ilmiah Manajemen Bisnis dan Inovasi Universitas Sam Ratulangi) Jurnal Ilmu Manajemen Equity: Jurnal Ekonomi Jurnal Media Ekonomi Jurnal Interprof Jurnal Fokus Manajemen Jurnal Akuntansi, Manajemen dan Bisnis Digital BISMA Cendekia Journal of Business Management and Economic Development Jurnal Akuntansi, Keuangan, Perpajakan dan Tata Kelola Perusahaan Journal of Management and Innovation Entrepreneurship (JMIE) Jurnal Social Society Journal of Development Economics and Digitalization, Tourism Economics (JDEDTE) KINERJA : Jurnal Ekonomi dan Bisnis Journal of Management and Economics Research
Paleni, Herman
Universitas Bina Insan, LubukLinggau
Humanities Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Energy Environmental Science Industrial & Manufacturing Engineering Law, Crime, Criminology & Criminal Justice Social Sciences Other

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E-WALLET ADOPTION AND FINANCIAL BEHAVIOR: THE MEDIATING ROLE OF PERCEIVED EASE OF USE AMONG GENERATION Z IN LUBUKLINGGAU Herman Paleni; Supriyanto Supriyanto; Apandi Apandi
Jurnal Akuntansi, Keuangan, Perpajakan dan Tata Kelola Perusahaan Vol. 4 No. 1 (2026): September
Publisher : Yayasan Nuraini Ibrahim Mandiri

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70248/jakpt.v4i1.4651

Abstract

This study examines the effect of e-wallet adoption on financial behavior among Generation Z in Lubuklinggau, mediated by Perceived Ease of Use. Using Partial Least Squares Structural Equation Modeling (PLS-SEM), the measurement model showed adequate reliability and convergent validity, with Cronbach's alpha, composite reliability, and Average Variance Extracted values for all three constructs exceeding recommended thresholds, while discriminant validity was confirmed through the Heterotrait-Monotrait ratio and Fornell-Larcker criterion. Structural model results show that e-wallet adoption significantly and positively affects Perceived Ease of Use (β = 0.200, t = 2.189, p = 0.029), and that Perceived Ease of Use significantly and positively affects financial behavior (β = 0.340, t = 7.107, p = 0.000). However, e-wallet adoption has no significant direct effect on financial behavior (β = 0.023, t = 0.230, p = 0.818). Bootstrapping confirms a significant indirect effect of e-wallet adoption on financial behavior through Perceived Ease of Use (β = 0.068, t = 2.017, p = 0.044), indicating indirect-only (full) mediation. E-wallet adoption explains 4% of the variance in Perceived Ease of Use, while both predictors jointly explain 12% of the variance in financial behavior. Blindfolding results show small predictive relevance for both endogenous constructs (Q² = 0.018–0.055), though construct-level cross-validated communality remains sound across all constructs (Q² = 0.333–0.380), indicating adequate measurement quality despite the model's modest structural predictive power. These findings indicate that e-wallet adoption alone does not translate into improved financial behavior; its influence operates entirely through users' subjective perception of ease. Theoretically, this extends the Technology Acceptance Model into the financial behavior domain. Practically, fintech providers and financial literacy programs targeting Generation Z should prioritize ease-of-use-oriented interface design rather than relying on transactional convenience alone.
Co-Authors Ade Famalika Aidil Putra Pratama Anggraini, Susia Apandi Apandi Ari Irvan Ariasanti, Yossi Asdiana, Asdiana Astri Riance Awaludin Awaludin, Awaludin Azhar, Rudi Basri, Ahmad Betti Nuraini Betti Nuraini Dahlia, Siti Dheo Rimbano Efiyanti, Yuli Fanira, Nosi Fitria Fitria Iin Dartika Indrawati Mara Kesuma Indriany Widiastuty Isma Putri Utami Isro’atin Nur Jannah Kesuma, Indrawati Mara Metti Triana Mia Erfiani Muhamad Effendi Mulyadi Mulyadi Nasruddin Nasruddin Nasution, Annio Indah Lestari Nengah Dewi Arianti Noorchamid Ustadi Nurlita Sari, Aprilia Pardede, Cicilia Chandra Prasasti, Eva Ridianti Erdike Kusuma Risca Priba Ayu Romasta Napitupulu Ronal Aprianto Rudi Azhar Samosir, Agustinus Sardiyo Sardiyo, Sardiyo Sefpri Pratama, Ageng Sindi, Destiana Sri Endang Susilawati Sri Oktavianti Suhaipa, Suhaipa Supriyanto Supriyanto Surajiyo Surajiyo Suwarno Suwarno Suwarno Suwarno Suyadi Suyadi Tiara Permata Indah Tiara Veti Triana, Metti Triharyati, Eri Triyanita Triyanita Wati, Aslinda Weli Paita Sari Wisdalia Maya Sari Yohanes Susanto Yulanda Santika Yulia Efrina Yulpa Rabeta