PREDICTING THE ACTUAL USE OF E-WALLET AMONG GENERATION Z : AN EXTENDED TECHNOLOGY ACCEPTENCE MODEL WITH THE MEDIATING ROLES OF FINTECH PROMOTION AND INTENTION TO USE

Lifatin Nada (Universitas Annuqayah)
Azzatillah Azzatillah (Universitas Wiralodra)
Feri Zain (Universitas Annuqayah)
Ilham Teguh Setiawan (Universitas Annuqayah)
Miftahol Anwar (Universitas Annuqayah)

Jurnal Ilmiah MEA (Manajemen, Ekonomi, dan Akuntansi)
Vol 10 No 3 (2026): ON GOING

This study extends the TAM literature by showing fintech promotion and intention as sequential mediating variables in explaining the actual use of e-wallet by Gen Z. The results of the study show that directly perceived ease of use has a positive effect on fintech promotion and intention to use e-wallet, indirectly perceived ease of use affects intention to use e-wallet through fintech promotion, affects actual use of e-wallet through intention to use e-wallet and affects actual use of e-wallet through fintech promotion and intention to use e-wallet. Furthermore, directly perceived ease has a positive effect on fintech promotion and intention to use an e-wallet; indirectly perceived ease affects intention to use an e-wallet through fintech promotion, affects actual use of an e-wallet through intention to use an e-wallet, and affects actual use of an e-wallet through fintech promotion and intention to use an e-wallet. Fintech promotion positively affects intention to use an e-wallet and, through intention, affects actual use; intention also has a direct effect on actual use.