Intentions to use e-wallets and influence factors among generation x and baby boomers

Samiono, Bambang Eko and Febrianty, Anggi Ayu (2026) Intentions to use e-wallets and influence factors among generation x and baby boomers. Proceeding of 5th International Conference on Research and Development (ICORAD), 5 (1). pp. 190-202. ISSN 2828-4925

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Abstract

The use of e-wallets in Indonesia has increased so rapidly in the post-pandemic era. E-wallets are the main payment mechanism in many sectors such as retail, transportation and even retail. However, it turns out that the penetration and adoption pattern of e-wallets show differences between age groups. In Indonesia, the growth of e-money/e-wallet transactions shows an acceleration, but Generation X and Baby Boomers are often slower to adopt new technologies than younger generations. This study aims to determine the influence of the variables of usefulness, perceived ease of use on intention to use with Attitude as mediator on Gopay, Ovo, and Dana E-wallets among Generation X and Baby Boomers. Non-Probability Sampling by means of Convenience Sampling is the sampling technique used in this study. The research data was obtained by distributing research questionnaires to 210 respondents. Where the respondents were determined were gen X and Baby Boomers who knew Gopay, Ovo and Dana e-wallets in Jakarta. The analysis tool used is Amos with the SEM method. The results of this study show that Perceived Usefulness, Perceived of Use and Attitude, together affect the Intention of use. However, the influence that occurs is the indirect influence of both Perceived Usefulness and Perceived of Use on the Intention of use through Attitude. And there is no direct influence caused by either the Perceived Usefulness or Perceived of use on the Intention of use e-wallet.

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