| Summary: | This research aims to find out what factors are influencing consumers use electronic wallet (e-wallet) as an alternative method of payment against the purchase of goods and services. Information for this research came from respondents who have made deals with the method of payment using the e-wallet in Surabaya, East Java, Indonesia. The respondents in this study are 183 respondents. The analysis methods in this study by using SEM with analysis tools using Smart PLS 3.2.7. This research obtained evidence that the hypothesis is accepted. Factors perceived usefulness perceived trust and capable of influencing attituted toward using that then give rise to behavioral intention to use e-wallet. Moderation variables in this reseach are full moderation due to the entire value of the indirect variables is greater than the value of direct variable. The limitations of this research is only done in Surabaya, East Java-Indonesia. So, this study could not be used to make generalizations about the behavior intention of Indonesian young consumers towards e- wallet. The results of this research can be used by consumers, the banking, mobile operators, as well as subsequent researchers to be able to improve the facilities of the service, improve the security of transactions, increased security of personal data as well as additional reference material in the decision-making process. This research was different to previous research, this study uses two variables, namely moderation attitude toward using moderate usefulness against perceived behavioral intention, as well as the perceived usefulness of variables to moderate the perceived trust against the attitude toward using.
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