Intention to Use E-wallet Among Muslim Community in Yogyakarta: Testing the Mediating Role of Trust

Abstract

This study examines the factors influencing the intention to use e-wallets among the Muslim community in the Special Region of Yogyakarta, with a focus on perceived ease of use, perceived usefulness, and trust as mediator. Using a quantitative survey method, data were gathered from 219 respondents and analysed through Partial Least Squares-Structural Equation Modelling (PLS-SEM). The findings reveal that perceived usefulness significantly affects the intention to use e-wallets, while perceived ease of use influences intention indirectly, mediated by trust. The study supports the Technology Acceptance Model (TAM) by demonstrating the crucial role of trust in facilitating the adoption of new technology, especially when ease of use alone is insufficient to drive intention. These findings offer valuable theoretical contributions to the literature on technology acceptance in a religious context and practical insights for financial service providers. By understanding the specific needs and preferences of the Muslim community in Yogyakarta, companies can design more effective marketing strategies and develop products that align with the cultural and religious values of this growing market segment. The results suggest that building trust in e-wallet technology is key to fostering its wider adoption among this population.

Keywords: E-wallet, perceived ease of use, trust, intention to use, SEM-PLS

DOI: 10.7176/EJBM/17-5-05

Publication date: June 30^th 2025