The impact of e-wallet towards consumer behavior in Indonesia moderated by consumers aged 15-30

Accounting Department, School of Accounting, Bina Nusantara University, Jakarta, Indonesia 11480

^* Corresponding author: dhammamitta.marvella@binus.ac.id

Abstract

The e-wallet system has affected many industries in Indonesia, especially e-commerce. E-wallet is one of the most important systems for customers to make purchases and settle payments within e- commerce applications. Therefore, this research aims to study the impact of e-wallets on consumer behavior in Indonesia, especially on e-commerce platforms, focusing on consumers aged 15-30 for the variation of teens to young adults. The theoretical basis of this research is the Technology Acceptance Model (TAM), where the variables involved are perceived usefulness, perceived ease of use, attitude towards using, behavioral intention to use, and actual usage. This research was conducted quantitatively with a questionnaire distributed to active e-wallet users. SEM-PLS with the stratified random sample examines the study data and hypothesis. The sample data of 143 users obtained were people aged 15 to 30 in Indonesia who utilized e-wallets and e-commerce. The research results show that all hypotheses are supported by three different impact sizes, which are small, medium, and large. The study indicates that e-wallet impacts consumer behavior to become more consumptive, but it is not significant.