Millennial Generation's Intention to Use E-Wallet Through the UTAUT2 Model

Abstract

Quality in implementing a new technology is always related to the level of voluntary user acceptance. User acceptance of e-wallet financial technology requires an approach to evaluate the determinants that determine e-wallet acceptance. The Unified Theory of Acceptance and Use of Technology 2 (UTAUT2) model is a synthesis model of technology acceptance that is appropriate to use for e-wallet evaluation models. This research aims to analyze the influence of Performance Expectancy, Effort Expectancy, Social Influence, Facilitating Conditions, Hedonic Motivation, Price Value and Habit on Behavioral Intention to use e-wallet. This research used quantitative method with multiple regression used for analysis. The sample consisted of 100 respondents from the millennial generation of Salatiga City. The analysis concluded that Performance Expectancy and Habit have a positive and significant influence on Behavior Intention. Meanwhile, Effort Expectancy, Social Influence, Facilitating Conditions, Hedonic Motivation, and Price Value do not have a significant effect on Behavior Intention. Abstrak Kualitas penerapan sebuah teknologi baru selalu berhubungan dengan tingkat penerimaan pengguna. Penerimaan pengguna terhadap financial technology e-wallet membutuhkan pendekatan untuk mengevaluasi determinan yang menentukan penerimaan e-wallet. Model Unified Theory of Acceptance and Use of Techonology 2 (UTAUT2) merupakan sistesis model penerimaan teknologi yang tepat digunakan untuk model evaluasi e-wallet. Penelitian ini bertujuan untuk menganalisa pengaruh antara Performance Expectancy, Effort Expectancy, Social Influence, Facilitating Conditions, Hedonic Motivation, Price Value dan Habit terhadap Behavior Intention penggunaan e-wallet. Penelitian ini menggunakan metode kuantitatif dengan tek analisis regresi berganda. Sampel berjumlah 100 responden yang berasal dari generasi milenial Kota Salatiga. Hasil analisis menemukan bahwa Performance Expectancy dan Habit mempunyai pengaruh yang positif dan signifikan terhadap Behavior Intention.