The purposes of this study are to develop and test a technology acceptance model to determine the attitudes, intentions and behaviors of consumers in using e-wallet. E-wallets as the object of this research are Go Pay and OVO, the mostly used applications by society during Covid 19 pandemic and are the most popular e-wallet applications in Indonesia. This study applies Technology Acceptance Model (TAM) by involving external variables that have never been particularly employed at once, such as Image, Perceived Enjoyment, Security and Trust, as the independent variables that might affect the internal variables in the TAM namely Perceived Ease of Use, Perceived Usefulness, and Attitude toward Use in influencing behaviors and intentions to use e-wallets. The sample of this study is Denpasar society with a sample of 154 respondents, the analysis technique utilizes the Structural Equation Modeling (SEM) method with SmartPLS 3.2 software. The results of this study indicates that TAM construct was commendable in explaining the acceptance process of e-wallet technology. However, those external factors are, in reality, critical in the acceptance of e-wallet technology. The security factor and user‟s trust are still lacking to support the acceptance of e-wallet technology.
Volume 12 | 07-Special Issue
Pages: 1416-1429
DOI: 10.5373/JARDCS/V12SP7/20202244