The Influence Of Perceived Ease Of Use, Perceived Usefulness, Financial Literacy, And Financial Social Services On The Intention To Use E-Wallets In Sumenep Regency
DOI:
https://doi.org/10.58223/icie.v5i2.526Keywords:
Perceived Ease Of Use, Perceived Usefulness, Financial Literacy, Financial Social Services, Intention To Use E-WalletsAbstract
wallets (e-wallets) to become widely used cashless payment tools across Indonesia. Even so, e-wallet uptake in Sumenep Regency has not reached its full potential, largely because access to digital services is uneven and financial social features embedded in e-wallet platforms remain underused. While prior TAM-based studies of e-wallet adoption have mostly examined urban settings, this research extends the Technology Acceptance Model to a non-metropolitan, Muslim-majority island regency by jointly testing ease of use, usefulness, financial literacy, and Islamic-based financial social services as predictors of e-wallet adoption intention. A quantitative, associative design was employed using an online survey completed by 240 respondents with prior experience with or awareness of e-wallets, selected through purposive sampling. Data were processed with Partial Least Squares-Structural Equation Modelling (PLS-SEM) in SmartPLS 4. The model explained 62.9% of the variance in intention to use e-wallets (R² = 0.629) with strong predictive relevance (Q² = 0.608). Findings reveal that ease of use, financial literacy, and financial social services each fail to significantly influence intention to use e-wallets on their own, while usefulness stands out as the only variable with a positive, significant effect (β = 0.395; p < 0.001) — making it the strongest driver overall. In other words, for the people of Sumenep Regency, the practical benefit gained from an e-wallet matters more than how easy it is to operate, how financially literate someone is, or how many religious-social features it offers. Based on this, e-wallet providers are urged to keep strengthening the usefulness users experience, while Islamic financial bodies such as BAZNAS and LAZ are encouraged to expand outreach and refine digital Zakat, Infaq, and Shadaqah (ZIS) services to broaden financial inclusion.
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