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The Effect of Product Knowledge, Perceived Benefits, and Perceptions of Risk on Indonesian Student Decisions to Use E-Wallets for Warunk Upnormal

Author

Listed:
  • Bob Foster

    (Program Studi Manajemen, Universitas Informatika dan Bisnis Indonesia, Bandung 40285, Jawa Barat, Indonesia)

  • Ratih Hurriyati

    (Management Doctorate Study Programe, Universitas Pendidikan Indonesia, Bandung 40154, Jawa Barat, Indonesia)

  • Muhamad Deni Johansyah

    (Faculty of Mathematics and Natural Sciences, Universitas Padjajaran, Sumedang 45363, Jawa Barat, Indonesia)

Abstract

(1) Background: The purpose of this research is to find out how product knowledge, benefit perception, and risk perception variables affect the decision to use e-wallets (Go-Pay). (2) Methods: The population used in this study is Indonesian students who used Go-Pay to carry transactions at Warunk Upnormal of Dipatiukur Branch, West Java, Indonesia. The sampling technique used by the author is a non-probability sampling technique. Meanwhile, the type of sampling used by the author is accidental sampling. Based on the calculations made, the sample used in this study is 100 Indonesian students. Furthermore, the research method used in this study is quantitative methods. Data analysis was carried out using structural equation modeling (SEM). (3) Results: this study indicates that the final product knowledge and perception of risk have a positive and significant effect on user satisfaction. The latent variable of perceived benefits has a negative and insignificant impact on the decision to use. (4) Conclusions: the latent variables of product knowledge and risk perception have a positive and significant effect on user satisfaction. Meanwhile, the latent variable of perceived benefits has a negative and insignificant impact on the decision to use the e-wallet.

Suggested Citation

  • Bob Foster & Ratih Hurriyati & Muhamad Deni Johansyah, 2022. "The Effect of Product Knowledge, Perceived Benefits, and Perceptions of Risk on Indonesian Student Decisions to Use E-Wallets for Warunk Upnormal," Sustainability, MDPI, vol. 14(11), pages 1-16, May.
    • Handle: RePEc:gam:jsusta:v:14:y:2022:i:11:p:6475-:d:823911
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    References listed on IDEAS

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    1. Marvello Yang & Abdullah Al Mamun & Muhammad Mohiuddin & Noorshella Che Nawi & Noor Raihani Zainol, 2021. "Cashless Transactions: A Study on Intention and Adoption of e-Wallets," Sustainability, MDPI, vol. 13(2), pages 1-18, January.
    2. Hendy Mustiko Aji & Izra Berakon & Maizaitulaidawati Md Husin, 2020. "COVID-19 and e-wallet usage intention: A multigroup analysis between Indonesia and Malaysia," Cogent Business & Management, Taylor & Francis Journals, vol. 7(1), pages 1804181-180, January.
    3. Richard Davies & Chris Harty, 2013. "Measurement and exploration of individual beliefs about the consequences of building information modelling use," Construction Management and Economics, Taylor & Francis Journals, vol. 31(11), pages 1110-1127, November.
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    Cited by:

    1. Sutticherchart Juthatip & Rakthin Sirisuhk, 2023. "Determinants of digital wallet adoption and super app: A review and research model," Management & Marketing, Sciendo, vol. 18(3), pages 270-289, September.

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