PENGARUH PERCEIVED EASE OF USE, PERCEIVED USEFULNESS, PERCEIVED SECURITY, DAN TRUST TERHADAP NIAT PENGGUNAAN E-WALLET DANA: STUDI BERBASIS TECHNOLOGY ACCEPTANCE MODEL (TAM)

Abstract

The rapid growth of digital financial technology in Indonesia has accelerated the adoption of e-wallets as practical, secure, and efficient payment tools. DANA, as one of the leading platforms, reached 200 million users by 2024. However, this adoption is still challenged by concerns such as data security, complex user interfaces, and lack of service transparency. Therefore, this study is important to identify several factors that influence user intentions to use DANA through an expanded TAM (Technology Acceptance Model) approach. This study has the main objective to determine the significant impact of perceived ease of use, perceived usefulness, perceived security, and trust on behavioral intention in using DANA. This study also aims to answer seven research questions that focus on the indirect and direct impacts of each variable in the TAM framework. Testing is conducted to understand how security and trust variables strengthen the effectiveness of the TAM model in the context of digital financial services. This study uses a quantitative approach through causal design and survey methods. Primary data were obtained by distributing questionnaires to 404 active DANA users. The analysis technique applied was PLS-SEM (Partial Least Squares-Structural Equation Modeling). The validity and reliability of the instrument were tested statistically, and hypothesis testing was carried out to evaluate the relationship of each variable in the theoretical model that had been developed. These findings show that all hypotheses are not statistically rejected. Trust is the most dominant variable to influence behavioral intention (β = 0.463), followed by perceived ease of use (β = 0.451). Perceived usefulness and perceived security also have a significant impact, both indirectly on intention and directly on trust. These findings strengthen the argument that perceived ease, usefulness, security, and trust are a key combination in predicting the adoption of financial technology such as e-wallets. This study concludes that trust is a foundational element in sustaining e-wallet usage. Practically, it is recommended that DANA enhances the clarity of transactional information and improve the responsiveness of customer service. Future studies are encouraged to use a longitudinal approach and to explore the mediating role of trust and moderating effects of user demographics. Therefore, this study contributes both theoretically to the development of TAM and practically to strategies for managing ewallet adoption in Indonesia. Keyword : Perceived Ease of Use, Perceived Usefulness, Perceived Security, Trust, Behavioural Intention