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INDONESIA
Journal of Digital Business and Global Economy
Published by Asosiasi Transformasi Digital dan Bisnis Indonesia
ISSN : -     EISSN : 30908760     DOI : https://doi.org/10.64243/JODIGBI.01.2
Core Subject : Economy,
Economics, Econometrics & Finance
Journal of Digital Business and Global Economy (JODIGBI) is an International Journal, published since 2025. Registered with code of E-ISSN 3090-8760. JODIGBI open-access, and peer-reviewed journal dedicated to publishing high-quality research in the fields of economics and business. This journal serves as a platform for scholars, researchers, and professionals to share their latest findings, theoretical advancements, and practical insights that contribute to the development of global economic and business landscapes. Focus and Scope Journal of Digital Business and Global Economy (JODIGBI) covers all topics related to economics and business. JODIGBI is published six times a year, namely February, April, June, August, October and December, which is published by Asosiasi Transformasi Digital dan Bisnis Indonesia
Arjuna Subject : Bisnis, Menejemen, dan Akutansi (semua kategori) - Bisnis dan Menejemen Intetrnasional
Articles 21 Documents
 1   2   3 
Explaining E-Wallet Adoption Among SMEs in Indonesia: An Extended Protection Motivation Theory Approach Muhammad Awaluddin
Journal of Digital Business and Global Economy Vol. 1 No. 5 (2025): Journal of Digital Business and Global Economy
Publisher : Asosiasi Transformasi Digital Dan Bisnis Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.64243/JODIGBI.01.5.01

Abstract

This study explores the determinants of e-wallet adoption among small and medium enterprises (SMEs) in the Indonesian food and beverage sector by applying Protection Motivation Theory, extended with trust and privacy concern. A cross-sectional survey of 400 SME owners and managers was conducted using a semantic differential scale, and the data were analyzed with structural equation modeling. The measurement model demonstrated strong reliability and validity, while the structural model provided robust explanatory power. The results revealed that perceived vulnerability, perceived severity, response efficacy, and self-efficacy positively influenced intention to adopt e-wallets, whereas response cost and privacy concern had negative effects. Trust played a dual role, directly enhancing both intention and actual use, and moderating the relationship between intention and behavior. Intention was also confirmed as the key mediator linking cognitive appraisals to adoption behavior. Overall, the model explained 62% of the variance in intention and 71% in actual use, demonstrating its strong predictive capacity. These findings highlight the importance of trust, efficacy beliefs, and cost perceptions in shaping digital payment adoption, offering both theoretical insights and practical guidance for fintech providers and policymakers in emerging markets

Page 3 of 3 | Total Record : 21

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