ANALISIS FAKTOR-FAKTOR YANG MEMENGARUHI NIAT PERILAKU PENGGUNAAN E-WALLET TERHADAP PERILAKU PENGGUNA DENGAN MENGGUNAKAN MODEL UNIFIED THEORY OF ACCEPTANCE AND USE OF TECHNOLOGY 3 (UTAUT 3) PADA MAHASISWA DI KOTA SEMARANG

Abstract

This research was conducted with the aim of analyzing factors that influence the behavioral intentions of e-wallet users in Semarang City. This research uses the Unified Theory of Acceptance and Use of Technology (UTAUT) 3 framework introduced by Farooq et al. (2017). There are 8 constructs that form the UTAUT 3 framework, namely performance expectations, effort expectations, social influence, facilitating conditions, habits, price values, hedonic motivation, and personal innovativeness, along with 2 other factors, namely behavioral intentions and technology usage behavior, in this case, e-wallet. This research population includes all active e-wallet users in Indonesia with a research sample of 302 people in Semarang City who are included in university students. Data collection was  carried  out through an online survey using social media. A total of 30 question items were analyzed using the PLS-SEM method with the help of SmartPLS 4 software. The  research  results  show  that  five  hypotheses  in  this  study  are  accepted.  Effort expectations, habit, price value and personal innovativeness have a significant  positive effect on the behavioral intentions of e-wallet users and behavioral intention was found have a significant  positive effect on the use behaviour of e-wallet users. However, performance expectations, social influence. facilitating condition., and hedonic motivation  have  no  effect  on  e-wallet  users behavioral  intentions.  Furthermore,  it  is known  that  habits, personal innovation, and behavioral intention are the most significant determinants among other factors, with a p-value of 0.000.