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Tujuan- Penelitian ini bertujuan untuk menguji dan menganalisis faktor-faktor yang mempengaruhi behavioral intention untuk menggunakan layanan transaksi keuangan digital (E-wallet) pada generasi milenial di Kota Palembang.

Desain/Metodologi/Pendekatan- Teknik yang digunakan pada penelitian ini yaitu purposive sampling. Sampel dari 250 generasi milenial pengguna E-wallet ShopeePay, GoPay, and DANA diperoleh melalui suvei kuisioner online. Metode analisis data menggunakan Partial Least Square-Structural Equation Modeling (PLS-SEM).

Hasil Penelitian- Performance expectancy, social influence, hedonic motivation, dan digital financial literacy berpengaruh positif dan signifikan terhadap behavioral intention. Sedangkan, effort expectancy dan facilitating condition tidak memiliki pengaruh yang signifikan.

Keterbaruan/Nilai- Kerangka konseptual dikembangkan melalui perluasan Unified Theory of Acceptance and Use of Technology 2 (UTAUT 2) dengan menambahkan variabel keuangan yaitu digital financial literacy sebagai konstruksi tambahan dalam menjelaskan niat untuk menggunakan e-wallet.



Objectives- This study aims to examine and analyze the factors that influence behavioral intention to use digital financial transaction (E-wallet) among millennial generation in Palembang.

Design/Methodology/Approach- The purposive sampling technique is used on this study. A sample of 250 millennial generation using ShopeePay, GoPay, and DANA E-wallet users was obtained through an online questionnaire survey. The data analysis method is using Partial Least Square-Structural Equation Modeling (PLS-SEM).

Findings- Performance expectancy, social influence, hedonic motivation, and digital financial literacy have a positive and significant impact on behavioral intentions. However, effort expectancy and facilitating condition do not have a significant impact.

Novelty/Value- A conceptual framework was developed through extending the Unified Theory of Acceptance and Use of Technology 2 (UTAUT 2) by adding a financial variable namely digital financial literacy as an additional construction in elucidating the intention to use e-wallet.


Keywords: E-wallet, digital financial literacy, millennial generation, UTAUT 2.




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