Title: The impact of perceived usability on mobile wallet acceptance: a case of Gopay Indonesia

Authors: Ni Made Estiyanti; Delfa Agustia; Rafiqa Amini Mulia; Randa Alfarisyi; Restow Frandha; Achmad Nizar Hidayanto; Sherah Kurnia

Addresses: STMIK Primakara, Denpasar, Bali, 80226, Indonesia ' Faculty of Computer Science, Universitas Indonesia, Kampus UI Depok, 16424, Indonesia ' Faculty of Computer Science, Universitas Indonesia, Kampus UI Depok, 16424, Indonesia ' Faculty of Computer Science, Universitas Indonesia, Kampus UI Depok, 16424, Indonesia ' Faculty of Computer Science, Universitas Indonesia, Kampus UI Depok, 16424, Indonesia ' Faculty of Computer Science, Universitas Indonesia, Kampus UI Depok, 16424, Indonesia ' School of Computing and Information Systems, University of Melbourne, Australia

Abstract: The rapid growth of mobile communication technology leads to the more frequently used mobile payments particularly the mobile wallet (m-wallet). This research aims to identify the factors that influence the use intention of mobile wallet in Indonesia, particularly from the perceived usability perspective, combined with the technology acceptance model (TAM). This research employs survey research by distributing an online questionnaire to users of Gopay, which is a leader of m-wallet providers in the Indonesian market. The data from 167 valid respondents were processed and analysed using partial least square (PLS) with the help of SmartPLS 2.0 software. Our findings showed that perceived usability affects users' intention to adopt m-wallet through perceived usefulness and perceived enjoyment variables. This paper also discusses several recommendations for m-wallet providers and developers to increase m-wallet adoption in Indonesia.

Keywords: innovation; mobile wallet; technology acceptance model; TAM; perceived usability; Indonesia; learning.

DOI: 10.1504/IJIL.2021.10040269

International Journal of Innovation and Learning, 2021 Vol.30 No.2, pp.154 - 174

Received: 27 Dec 2019
Accepted: 26 Apr 2020

Published online: 24 Aug 2021 *

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