Role of trust in mediating the effect of perceived usefulness and perceived ease of use on decisions to use the LinkAja digital wallet

Abstract

The goal of this study is to investigate and explain the impact of trust in moderating the influence of perceived utility and perceived ease of use on LinkAja users' choice to use digital wallets. Purposive sampling is a non-probability sampling approach used to determine the sample. A total of 112 participants participated in the study as LinkAja users. The SEM-PLS method was used to examine the data. According to the findings of this study, perceived usefulness has a positive and significant effect on decision to use, perceived ease of use has a positive and significant effect on decision to use, perceived usefulness has a positive and significant effect on trust, perceived ease of use has a positive and significant effect on trust, and trust can mediate the effect of perceived usefulness and perceived ease of use on decision to use.The research findings have practical relevance in that the ease of use variable has the greatest path coefficient among the three factors that impact decision to use, where this can be a reference for LinkAja management in developing strategies to improve decision to use for LinkAja users by designing a system. which can make it easier to use for LinkAja users.