Islamic Financial Literacy and Intention to Use Gopay in Yogyakarta: Extended Theory of Acceptance Models

Abstract

This study used the theory of acceptance model (TAM). This study analyzed the impact of Islamic financial literacy on the intention to use Go-Pay. This quantitative research used a purposive sampling of Muslim university students in Yogyakarta. The questionnaire was tested for validity and reliability, and the result exceeded its standard. Data were analyzed using path analysis. This study showed that Islamic financial literacy positively impacted perceived usefulness and ease of use. Perceived usefulness and perceived ease of use positively impacted the intention to use Go-Pay. Islamic financial literacy directly impacted the intention to use Go-Pay; Islamic financial literacy through perceived usefulness positively impacted the intention to use Go-Pay. Moreover, through perceived ease of use, Islamic financial literacy had a positive impact on the intention to use Go-Pay. Keywords: Islamic Financial Literacy; Technology Acceptance Model; Intention; E-walle