Preference Digital Wallet by Generation Z with the Unified Theory of Acceptance And Use Of Technology 2 (UTAUT 2) Model Approach and Perceived Risk

Abstract

Abstract Purpose: This research explores the use of digital wallets by Gen Z in Indonesia to assess the factors that influence usage intentions. Design/Method/Approach: This research uses primary data from a sample of Generation Z in Indonesia as digital wallet users and the results of observations totaling 742 respondents and uses quantitative methods with PLS-SEM statistical analysis tools to test a hypothesis. Findings: This research shows that variable behavioral Intention and habit have a significant influence on use behavior, the hedonic motivation, habit, and perceived risk variables have a significant influence on behavioral intention, the perceived risk variable has a significant influence on financial risk, performance risk, and privacy risk. Implications Theoretical: this research contributes empirically applying the UTAUT 2 model as a theoretical framework and applying the concept of risk perceptions as a complementary theoretical framework to analyze intentions to use digital wallets. Implikasi Praktis: Manajer dompet digital dapat mengembangkan fitur yang dapat memberikan kesenangan selain dompet digital pengguna serta dapat mengambil tindakan untuk mengatasi risiko yang dihadapi oleh pengguna. Orisinalitas / Nilai: Studi pertama adalah untuk menentukan niat untuk menggunakan dompet digital menggunakan pendekatan model UTAUT 2 dan risiko yang dirasakan. Keterbatasan Penelitian / Penelitian Masa Depan: Penelitian di masa depan diharapkan dapat melibatkan beberapa negara untuk berkontribusi pada pemahaman yang lebih besar, mendalam dan mampu, mempertimbangkan untuk menggunakan beberapa model pengukuran teknologi secara bersamaan. Jenis kertas: Empiris

Keywords

• Generation Z
• UTAUT 2
• Usage
• digital wallet