Abstract
Although the government of Indonesia is building the cashless society, the number of e-wallet users are increasing slowly. E-wallet is becoming a common instrument of payments from the paper-based instruments to server-based electronic money. The aim of this research is to investigate the perceived usage of the Y Generations on e-wallet based on Technological Acceptance Model (TAM) which is a powerful model to describe single approval to the usage of a new information technology system. As a quantitative research, the data analysis is using the Partial Least Square (PLS) with the SmartPLS 3.0 software. The results show that perceived usefulness and perceived ease of use brings impacts positive significant impacts to behavioural intention to use, then, the behavioural intention to use affect a positive significant impact to perceived usage. However, a direct effect from perceived usefulness to perceived usage shows a negative and no significant impact, meanwhile an unintended effect from perceived usefulness to perceived usage through behavioural intention to use show a positive significant impact. Finally, a direct effect from perceived ease of use to perceived usage shows a lower t-statistic value than an indirect effect from perceived ease of use to perceived usage through behavioural intention
Highlights
Each country has a different attitude in responding to new technology, one of which is Indonesia
In 2020, these 30-year-old users are considered as the Y generation or millenial generation as they were born between the period of 1981 to 1999
The Y generation has the most notable influence in Indonesian businesses, since most of the Y generation is in the productive age [4]
Summary
Each country has a different attitude in responding to new technology, one of which is Indonesia. As one of the emerging market countries in Asia, the government of Indonesia still needs to intervene to create a cashless society. The cashless society creation is proved by the seriousness of Bank Indonesia in accelerating the electronification of non-cash payments in various sectors. Non-cash transactions are increasingly prevalent with the presence of e-commerce in Indonesia, such as Tokopedia, Shopee, Bukalapak, etc. The non-cash transactions have led to changes in marketing strategies at various stores from offline to online. The development of e-commerce has been responded positively by financial technology (fintech), In 2020, these 30-year-old users are considered as the Y generation or millenial generation as they were born between the period of 1981 to 1999. Most of the Y generation were born from parents with solid financial backgrounds and are prepared in a contextually wealthy environment [5]
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