An Empirical Analysis of Factors Affecting The Intention of Using Digital Wallet in Yogyakarta

Abstract

This research aims to analyze the factors affecting the intention to use digital wallets in Yogyakarta. By employing the Unified Theory of Acceptance and Use of Technology (UTAUT) model, the study examines the impact of performance expectancy, effort expectancy, social influence, and perceived risks on consumers' behavioral intentions. Data were collected from a sample of digital wallet users in Yogyakarta through surveys, and multiple linear regression analysis was used to test the hypotheses. The findings reveal that performance expectancy, effort expectancy, and social influence positively influence the intention to use digital wallets, while perceived risks negatively impact it. The results provide valuable insights for digital wallet service providers to enhance user adoption and satisfaction.