<![CDATA[This study aims to analyze the determinants of e-wallet usage intention using the Technology Acceptance Model (TAM) with perceived risk as a moderating variable. The independent variables include perceived ease of use, perceived usefulness, and perceived complexity. The study employs a quantitative approach with a sample of 120 Accounting Education students at Universitas Negeri Semarang. Data were collected through questionnaires and analyzed using multiple linear regression and moderated regression analysis. The results indicate that perceived ease of use has a positive and significant effect on usage intention, while perceived usefulness, perceived complexity, and perceived risk show significant negative effects. The model explains 32.5% of the variance in intention, increasing to 35.4% after incorporating interaction variables. Moderation analysis reveals that perceived risk significantly moderates the relationship between perceived ease of use and perceived usefulness on usage intention, but not the relationship involving perceived complexity. These findings highlight the importance of usability and risk perception in shaping fintech adoption behavior.]]>
Copyrights © 2026
