Determinant of the decision to use e-money with understanding technology as intervening variable
List of Authors
  • Anggraeni Yunita , Nur Ahmad Ricky Rudianto

Keyword
  • E-Money, Benefits, Risks, Understanding of Technology

Abstract
  • This study aims to explain the effect of benefits and risks on decisions to use e-money and explain the indirect effects of benefits and risks on decisions to use e-money by understanding technology as a mediation. The sampling technique used is non-probability sampling technique with incidental sampling method. The data used are secondary data and primary data. The results of this study indicate that the benefit variable has a significant positive effect on the decision to use e-money,while the risk variable has a significant positive effect on the decision to use e-money. And there is an indirect effect of benefit and risk variables through technology understanding variables on decisions to use e-money. Simultaneously, the benefit and risk variables affect the decision to use e-money.

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