Adoption of e-wallet in the post-pandemic era: A study on Generation X’s intention to use e-wallet

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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).

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    • Figure 1. Proposed framework
    • Table 1. Study’s demographic descriptive statistics
    • Table 2. Factor Loadings, AVE, Cronbach’s Alpha, and Composite Reliability
    • Table 3. Heterotrait-Monotrait Ratio (HTMT)
    • Table 4. Effect size
    • Table 5. Hypotheses testing results
    • Conceptualization
      Tommy Setiawan Ruslim, Dyah Erny Herwindiati, Cokki
    • Data curation
      Tommy Setiawan Ruslim, Dyah Erny Herwindiati, Cokki
    • Formal Analysis
      Tommy Setiawan Ruslim, Dyah Erny Herwindiati, Cokki
    • Funding acquisition
      Tommy Setiawan Ruslim
    • Investigation
      Tommy Setiawan Ruslim
    • Methodology
      Tommy Setiawan Ruslim, Dyah Erny Herwindiati, Cokki
    • Project administration
      Tommy Setiawan Ruslim, Dyah Erny Herwindiati, Cokki
    • Resources
      Tommy Setiawan Ruslim, Dyah Erny Herwindiati, Cokki
    • Software
      Tommy Setiawan Ruslim
    • Visualization
      Tommy Setiawan Ruslim
    • Writing – original draft
      Tommy Setiawan Ruslim, Dyah Erny Herwindiati, Cokki
    • Writing – review & editing
      Tommy Setiawan Ruslim, Dyah Erny Herwindiati, Cokki
    • Supervision
      Dyah Erny Herwindiati, Cokki
    • Validation
      Dyah Erny Herwindiati, Cokki