E-Wallet in Technology Readiness Index Perspectives and Technical Support

Abstract

The use of e-wallets, which are currently very massive in various transactions, raises a clear message that if people must adapt to products of financial technology (fintech). Talking about the readiness for technology adoption, of course, we cannot ignore how the theory of technology readiness and acceptance is supported by sufficient empirical studies that describe various phenomena in various countries and various technology-based products. Technology adoption readiness is widely known and assessed using the Technology Readiness Index, where the concept introduces four main variables that are considered to influence the level of readiness to use technology, namely optimism, innovation, inconvenience and insecurity. However, on a different side, the process of establishing company value continues to develop by increasing technical support to be able to encourage the readiness level of technology acceptance. In the context of e-wallets, which are classified as technology products that are still in their use adjustment period, the researcher wants to see whether the optimism and innovation variables combined with technical support in the form of assurance and reliability can encourage the intention to use e-wallets in business transactions.