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Analyzing Factors Affecting the Behavioral Intention to Use e-Wallet with the UTAUT Model with Experience as Moderating Variable

Journal of Economic Education · Vol. 10 No. 1 (2021) · hlm. 113–123

DOI
10.15294/jeec.v9i2.44824
ISSN
2301-7341
Terbit
2021-12-06
Penerbit
Universitas Negeri Semarang
Bahasa
eng

Abstrak

The objective of the study is to analyze the factors on the behavioral intention to use e-Wallet based on the UTAUT model. The variables are performance expectancy, effort expectancy, social influence, facilitating conditions, and experience as a moderating variable. It is quantitative research. Data were collected by questionnaire and analyzed using SEM-PLS. The population in this study was students of the Faculty of Economics at Universitas Negeri Semarang who have adopted cashless transactions in their payment activities. The population in this study was 4,156 students, with a sample of 365 students. The results of this study show that performance expectancy has a positive and significant effect on the behavioral intention for 18.4 %, Effort expectancy has a positive and significant effect on the behavioral intention for 20.1%, Social influence has a positive and significant effect on behavioral intentions for 22.8 %, Facilitating condition has a positive effect and significant impact on the behavioral intention for 24.7%, Effort expectancy has a positive and significant effect on behavioral intention through experience (moderating 1) for 24.6 %, Social influence has a negative effect and insignificant effect on behavioral intentions through experience (moderating 1) for -4.8 %, and Facilitating condition has a negative and insignificant effect on behavioral intentions through experience (moderating 1) for - 5.3 %.

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  • State University of Semarang
  • Universitas Media Nusantara Citra
  • Universitas Yudharta Pasuruan
  • Universitas Indraprasta PGRI
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Rusdarti RusdartiAfiliasi tidak diketahui6
Nina OktarinaAfiliasi tidak diketahui5
Amin PujiatiAfiliasi tidak diketahui5
Arief YuliantoUniversitas Media Nusantara Citra4
Achmad SlametAfiliasi tidak diketahui4
Edy SuryantoAfiliasi tidak diketahui2
Indah AnisykurlillahAfiliasi tidak diketahui2
Linda AgustinaAfiliasi tidak diketahui2
Bestari Dwi HandayaniAfiliasi tidak diketahui2
Joko WidodoAfiliasi tidak diketahui2
Muhsin MuhsinAfiliasi tidak diketahui2
Amir MahmudUniversitas Yudharta Pasuruan2
Sandy AriefAfiliasi tidak diketahui2
Partono ThomasAfiliasi tidak diketahui2
Jarot Tri Bowo SantosoAfiliasi tidak diketahui2
Sucihatiningsih Dian Wisika PrajantiState University of Semarang2
Ketut SudarmaAfiliasi tidak diketahui2
S MartonoAfiliasi tidak diketahui2
Eko HandoyoAfiliasi tidak diketahui2
Sri UtamiUniversitas Indraprasta PGRI1
Rizka AndriyatiAfiliasi tidak diketahui1
Moch Faizal RachmadiAfiliasi tidak diketahui1
Zaenuri ZaenuriState University of Semarang1
Fathur RokhmanState University of Semarang1
Arief RohmanAfiliasi tidak diketahui1
Ellianawati EllianawatiState University of Semarang1
Decky AvriliandaState University of Semarang1
Faricha Putri Alif ViaAfiliasi tidak diketahui1
Noviana Bekti LestariAfiliasi tidak diketahui1
Riswanda ImawanAfiliasi tidak diketahui1
Niswatun HasanahAfiliasi tidak diketahui1
Abiprayasa Kawiswara Weko HartoyoAfiliasi tidak diketahui1
Rida AndriyaniAfiliasi tidak diketahui1
Eloking Surya Sekar MahardikaAfiliasi tidak diketahui1
Imroatus SholikhahAfiliasi tidak diketahui1
Ibrotul Lailatur RohmahAfiliasi tidak diketahui1
Fani KarinaAfiliasi tidak diketahui1

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Sumber metadata: OAI-PMH (metadata jurnal) https://journal.unnes.ac.id/sju/index.php/jeec/oai, pertama di-harvest 6 Nov 2026, terakhir terlihat 6 Nov 2026.
Metadata asli (oai_dc) 
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	<dc:title xml:lang="en-US">Analyzing Factors Affecting the Behavioral Intention to Use e-Wallet with the UTAUT Model with Experience as Moderating Variable</dc:title>
	<dc:creator>Tusyanah, Tusyanah</dc:creator>
	<dc:creator>Wahyudin, Agus</dc:creator>
	<dc:creator>Khafid, Muhammad</dc:creator>
	<dc:description xml:lang="en-US">The objective of the study is to analyze the factors on the behavioral intention to use e-Wallet based on the UTAUT model. The variables are performance expectancy, effort expectancy, social influence, facilitating conditions, and experience as a moderating variable. It is quantitative research. Data were collected by questionnaire and analyzed using SEM-PLS. The population in this study was students of the Faculty of Economics at Universitas Negeri Semarang who have adopted cashless transactions in their payment activities. The population in this study was 4,156 students, with a sample of 365 students. The results of this study show that performance expectancy has a positive and significant effect on the behavioral intention for 18.4 %, Effort expectancy has a positive and significant effect on the behavioral intention for 20.1%, Social influence has a positive and significant effect on behavioral intentions for 22.8 %, Facilitating condition has a positive effect and significant impact on the behavioral intention for&amp;nbsp; 24.7%, Effort expectancy has a positive and significant effect on behavioral intention through experience (moderating 1) for 24.6 %,&amp;nbsp; Social influence has a negative effect and insignificant effect on behavioral intentions through experience (moderating 1) for -4.8 %, and Facilitating condition has a negative and insignificant effect on behavioral intentions through experience (moderating 1) for - 5.3 %.</dc:description>
	<dc:publisher xml:lang="en-US">Universitas Negeri Semarang</dc:publisher>
	<dc:date>2021-12-06</dc:date>
	<dc:type>info:eu-repo/semantics/article</dc:type>
	<dc:type>info:eu-repo/semantics/publishedVersion</dc:type>
	<dc:type xml:lang="en-US">Peer-reviewed Article</dc:type>
	<dc:format>application/pdf</dc:format>
	<dc:identifier>https://journal.unnes.ac.id/sju/jeec/article/view/44824</dc:identifier>
	<dc:identifier>10.15294/jeec.v9i2.44824</dc:identifier>
	<dc:source xml:lang="en-US">Journal of Economic Education; Vol 10 No 1 (2021): June 2021; 113-123</dc:source>
	<dc:source>2301-7341</dc:source>
	<dc:source>10.15294/jeec.v10i1</dc:source>
	<dc:language>eng</dc:language>
	<dc:relation>https://journal.unnes.ac.id/sju/jeec/article/view/44824/18178</dc:relation>
	<dc:rights xml:lang="en-US">Copyright (c) 2021 Journal of Economic Education</dc:rights>
</oai_dc:dc>