The Effect of Perceived Risk, Financial Knowledge and Government Support on User Interest with Perceived Usefulness as an Intervening Variable: A Study on e-Wallet Users in Sulawesi
Indonesia's economic growth still has a significant impact during the COVID-19 pandemic. Various efforts have been made by the government to prevent the spread of the virus by implementing the Large-Scale Social Restriction (PSBB) policy to the Enforcement of Community Activity Restrictions (PP...
| Main Authors: | , , |
|---|---|
| Format: | Article |
| Language: | English |
| Published: |
Universitas Bung Hatta
2022-07-01
|
| Series: | Jurnal Manajemen Universitas Bung Hatta |
| Online Access: | https://ejurnal.bunghatta.ac.id/index.php/JMN/article/view/20886 |
| _version_ | 1797205908505231360 |
|---|---|
| author | Eka Indriyani MS Fatma Fatma Ruslan Hasyim |
| author_facet | Eka Indriyani MS Fatma Fatma Ruslan Hasyim |
| author_sort | Eka Indriyani MS |
| collection | DOAJ |
| description | Indonesia's economic growth still has a significant impact during the COVID-19 pandemic. Various efforts have been made by the government to prevent the spread of the virus by implementing the Large-Scale Social Restriction (PSBB) policy to the Enforcement of Community Activity Restrictions (PPKM). This is implemented to avoid crowds and all activities can only be done at home (work from home), including satisfy consumptive needs. During the pandemic, there is the right choice to transact only from home or where we are currently, namely the use of digital e-wallet payments. This study aims to analyze the effect of perceived risk, financial knowledge and government support on user’s interest of e-wallet with perceived usefulness as an intervening variable in Sulawesi Island. Data was collected through a questionnaire or google form and then analyzed using the Smart-PLS 3.0 software. The sample is 384 e-wallet users who are in the Sulawesi Island with the criteria that they have used e-wallet since March 2019 until now. The results of the study prove that of the seven direct relationships there is only one relationship does not have a significant effect, namely government support does not effects e-wallet user’s interest. While the other three indirect relationships proved to have a significant effect. |
| first_indexed | 2024-04-24T08:58:36Z |
| format | Article |
| id | doaj.art-657b4076aab84c3dacd2671e723f5ce1 |
| institution | Directory Open Access Journal |
| issn | 1907-6576 2615-5370 |
| language | English |
| last_indexed | 2024-04-24T08:58:36Z |
| publishDate | 2022-07-01 |
| publisher | Universitas Bung Hatta |
| record_format | Article |
| series | Jurnal Manajemen Universitas Bung Hatta |
| spelling | doaj.art-657b4076aab84c3dacd2671e723f5ce12024-04-16T04:55:56ZengUniversitas Bung HattaJurnal Manajemen Universitas Bung Hatta1907-65762615-53702022-07-0117219220610.37301/jmubh.v17i2.2088620353The Effect of Perceived Risk, Financial Knowledge and Government Support on User Interest with Perceived Usefulness as an Intervening Variable: A Study on e-Wallet Users in SulawesiEka Indriyani MS0Fatma Fatma1Ruslan Hasyim2Universitas Islam Negeri Alauddin MakassarSTIE Panca Bhakti PaluUniversitas Muhammadiyah SorongIndonesia's economic growth still has a significant impact during the COVID-19 pandemic. Various efforts have been made by the government to prevent the spread of the virus by implementing the Large-Scale Social Restriction (PSBB) policy to the Enforcement of Community Activity Restrictions (PPKM). This is implemented to avoid crowds and all activities can only be done at home (work from home), including satisfy consumptive needs. During the pandemic, there is the right choice to transact only from home or where we are currently, namely the use of digital e-wallet payments. This study aims to analyze the effect of perceived risk, financial knowledge and government support on user’s interest of e-wallet with perceived usefulness as an intervening variable in Sulawesi Island. Data was collected through a questionnaire or google form and then analyzed using the Smart-PLS 3.0 software. The sample is 384 e-wallet users who are in the Sulawesi Island with the criteria that they have used e-wallet since March 2019 until now. The results of the study prove that of the seven direct relationships there is only one relationship does not have a significant effect, namely government support does not effects e-wallet user’s interest. While the other three indirect relationships proved to have a significant effect.https://ejurnal.bunghatta.ac.id/index.php/JMN/article/view/20886 |
| spellingShingle | Eka Indriyani MS Fatma Fatma Ruslan Hasyim The Effect of Perceived Risk, Financial Knowledge and Government Support on User Interest with Perceived Usefulness as an Intervening Variable: A Study on e-Wallet Users in Sulawesi Jurnal Manajemen Universitas Bung Hatta |
| title | The Effect of Perceived Risk, Financial Knowledge and Government Support on User Interest with Perceived Usefulness as an Intervening Variable: A Study on e-Wallet Users in Sulawesi |
| title_full | The Effect of Perceived Risk, Financial Knowledge and Government Support on User Interest with Perceived Usefulness as an Intervening Variable: A Study on e-Wallet Users in Sulawesi |
| title_fullStr | The Effect of Perceived Risk, Financial Knowledge and Government Support on User Interest with Perceived Usefulness as an Intervening Variable: A Study on e-Wallet Users in Sulawesi |
| title_full_unstemmed | The Effect of Perceived Risk, Financial Knowledge and Government Support on User Interest with Perceived Usefulness as an Intervening Variable: A Study on e-Wallet Users in Sulawesi |
| title_short | The Effect of Perceived Risk, Financial Knowledge and Government Support on User Interest with Perceived Usefulness as an Intervening Variable: A Study on e-Wallet Users in Sulawesi |
| title_sort | effect of perceived risk financial knowledge and government support on user interest with perceived usefulness as an intervening variable a study on e wallet users in sulawesi |
| url | https://ejurnal.bunghatta.ac.id/index.php/JMN/article/view/20886 |
| work_keys_str_mv | AT ekaindriyanims theeffectofperceivedriskfinancialknowledgeandgovernmentsupportonuserinterestwithperceivedusefulnessasaninterveningvariableastudyonewalletusersinsulawesi AT fatmafatma theeffectofperceivedriskfinancialknowledgeandgovernmentsupportonuserinterestwithperceivedusefulnessasaninterveningvariableastudyonewalletusersinsulawesi AT ruslanhasyim theeffectofperceivedriskfinancialknowledgeandgovernmentsupportonuserinterestwithperceivedusefulnessasaninterveningvariableastudyonewalletusersinsulawesi AT ekaindriyanims effectofperceivedriskfinancialknowledgeandgovernmentsupportonuserinterestwithperceivedusefulnessasaninterveningvariableastudyonewalletusersinsulawesi AT fatmafatma effectofperceivedriskfinancialknowledgeandgovernmentsupportonuserinterestwithperceivedusefulnessasaninterveningvariableastudyonewalletusersinsulawesi AT ruslanhasyim effectofperceivedriskfinancialknowledgeandgovernmentsupportonuserinterestwithperceivedusefulnessasaninterveningvariableastudyonewalletusersinsulawesi |