Tommy Setiawan Ruslim

Due to the coronavirus pandemic, electronic wallets have emerged as a preferred alternative to traditional payment methods, mitigating physical touch concerns. This research aims to investigate the effects of security, health, and other determinants on the intention of Generation X’s members living in Java Island, Indonesia, to adopt electronic wallets in the post-pandemic era. Addressing the empirical gaps, this research examines how perceived ease of use may determine the attitude and intention to use electronic wallets, introducing novel considerations of security and health based on the Technology Acceptance Model. To collect the data, this research used the survey method by distributing the questionnaires. This research collected 363 valid responses. A partial least squares structural equation modeling method was used. The results confirmed that perceived ease of use and perceived compatibility positively affect perceived usefulness (p < 0.05). Perceived usefulness, security, and health aspects were found to positively affect attitude (p < 0.05). Security, perceived usefulness, and attitude were also confirmed to positively affect the intention to use electronic wallet (p < 0.05). This research further found that perceived ease of use had an insignificant effect on both attitude and intention to use electronic wallet (p > 0.05). Based on the testing of the mediating effect, this research confirmed that both security and health aspects positively affect the intention to use electronic wallet through attitude (p < 0.05). Furthermore, perceived compatibility was not found to affect intention to use electronic wallet through perceived ease of use (p > 0.05).