E-WOM and Adoption E-Wallet: The Role of Trust as a Mediating Variable

DOI

10.2991/aebmr.k.220602.024How to use a DOI?

Keywords

Electronic Word of Mouth; Trust; Adoption E-Wallet; TAM; UTAUT

Abstract

E-wallet is a fintech innovation that emerged due to technological innovation and the development of the internet that is useful for making it easier for humans to transact and use information technology-based financial services. E-wallet users continue to increase from year to year along with the development of technology and the internet. People start using e-wallet technology as a daily habit in meeting transaction needs. Acceptance of technology or technology adoption does not just happen, but there are some factors that cause the spread of digital payments with e-wallet so that people adopt e-wallet. This study is to analyze the effect of E-WOM on the behavior of e-wallet adoption which is mediated by trust. The population of this study is e-wallet users in Central Java with a sample of 173 respondents who meet the research criteria of 202 respondents. The sample selection was based on the purposive sampling method, which was judgment sampling. The data analysis technique used is SEM-PLS using Smart PLS 3.0 software. The results of the analysis of this study show that E-WOM has a positive and significant effect on integrity. E-WOM has a positive and significant effect on benevolence. E-WOM has a positive and significant effect on ability. E-WOM has a positive and significant effect on e-wallet adoption behavior. Integrity variable has no significant effect on e-wallet adoption behavior. The benevolence variable has no significant effect on e-wallet adoption behavior. The ability variable has a positive and significant effect on e-wallet adoption behavior. The results of the analysis of the indirect relationship of E-WOM to e-wallet adoption behavior mediated by the benevolence variable have a positive and significant effect. The limitation of this study is that the sample taken is small due to the Covid-19 pandemic. Future research is expected to be able to increase the number of samples and tests in different areas for the research population.

Copyright

© 2022 The Authors. Published by Atlantis Press International B.V.

Open Access

This is an open access article distributed under the CC BY-NC 4.0 license.

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TY  - CONF
AU  - Rilo Fajar Maritha
AU  - Rini Kuswati
PY  - 2022
DA  - 2022/06/13
TI  - E-WOM and Adoption E-Wallet: The Role of Trust as a Mediating Variable
BT  - Proceedings of the International Conference on Economics and Business Studies (ICOEBS 2022)
PB  - Atlantis Press
SP  - 186
EP  - 195
SN  - 2352-5428
UR  - https://doi.org/10.2991/aebmr.k.220602.024
DO  - 10.2991/aebmr.k.220602.024
ID  - Maritha2022
ER  -