Perceived Risk and Trust in Adoption E-Wallet: The Role of Perceived Usefulness and Ease of Use

The emergence of digital payment technologies such as electronic wallets has positively affected Indonesia's non-cash society. E-wallet providers are competing to collaborate with banks to facilitate their application. Since e-wallets are used for online transactions, the perceived risk of transaction failure, trustworthiness, ease of use, and application performance are essential variables when users adopt e-wallets. Therefore, this study aims to examine variables that affect user intentions in adopting e-wallets. A total of 400 respondents from DKI Jakarta and Yogyakarta are needed in this study. We confirm that they are already using an e-wallet and intend to accept it—the data interpretation technique used CB-SEM by Lisrel 8.7 Software. Our analysis results confirm that the sixteen hypotheses we tested included mediation, two hypotheses rejected, specifically perceived usefulness and e-wallet adoption, the remaining twelve hypotheses were accepted.