Track: Business Management

Abstract

The existence of technological and economic developments has led to a change in behavior patterns from consumers who originally made transactions using cash to non-cash. One that supports the change in behavior patterns of cash transactions to non-cash is the emergence of financial technology which is dominated by the use of e-wallet. The high use of non-cash transactions of the e-wallet type is caused by the number of service providers that have emerged, one of which is LinkAja. LinkAja is an e-wallet service provider in Indonesia which is a combination of several State-Owned Enterprises (BUMN). Even though it has been supported by SOEs, the use of LinkAja's e-wallet itself in Indonesia is still below those of other e-wallet service competitors. One of the causes of this low usage is the low level of continuous use of LinkAja users. Therefore, the UTAUT 2 model is used which will review what things can increase the frequency of use of a technology. The purpose of this study is to determine factors influence the frequency of using a financial technology of LinkAja e-wallet using six independent variables, namely performance expectancy, effort expectancy, social influences, facilitating conditions, hedonic motivation, and habit on the dependent variable of use behavior by looking at the influence of the intervening behavioral intention variable. The sample used was 262 respondents conducted by LinkAja users and analyzed using SEM-PLS and the help of the third version of the SmartPLS 3.0 application. The results showed that all independent variables had a positive and significant effect on user behavior through mediating variable behavioral intention.