THE EFFECT OF PERCEIVED USEFULNESS, PERCEIVED EASE OF USE, PERCEIVED ENJOYMENT, AND FINANCIAL KNOWLEDGE ON THE INTENTION TO USE E-MONEY IN THE SPECIAL REGION OF YOGYAKARTA THROUGH ATTITUDE TOWARD USING AS AN INTERVENING VARIABLE

Abstract

Abstract: The Effect of Perceived Usefulness, Perceived Ease of Use, Perceived Enjoyment, and Financial Knowledge on the Intention to Use E-Money in the Special Region of Yogyakarta through Attitude toward Using as an Intervening Variable. This study aims to knowing the factors that influence the intention of using E-Money in the Special Region of Yogyakarta. These factors consist of perceived usefulness, perceived ease of use, perceived enjoyment, financial knowledge, and attitude towards using.  This research was Ex Post Facto study. The study sample was 170 respondents who domiciled in the Special Region of Yogyakarta and currently/have used E-Money. Samples were taken using purposive sampling technique. The data analysis technique used was Structural Equation Modelling (SEM) using Partial Least Square (PLS) to verify the factors that influence the intention to use E-Money in the Special Region of Yogyakarta. The results showed that attitude toward using, perceived usefulness, perceived ease of use, perceived enjoyment, and financial knowledge positively affected users’ intention to using E-Money in the Special Region of Yogyakarta. Furthermore, perceived usefulness, perceived ease of use, and perceived enjoyment positively and significantly affected users’ intention to using E-Money through attitude toward using an intervening variable in the Special Region of Yogyakarta.

Keywords: Technology Acceptance Model (TAM), E-Money