Acceptance of the Use of KAIPay Digital Wallets  Using the UTAUT Model

Fina Nadhirotur Risyda; Natswa Aulia Choirunisa; Cindy Tri W

doi:10.59934/jaiea.v4i3.1201

Authors

Fina Nadhirotur Risyda Universitas Pembangunan Nasional "Veteran" Jawa Timur
Natswa Aulia Choirunisa Universitas Pembangunan Nasional "Veteran" Jawa Timur
Cindy Tri W Universitas Pembangunan Nasional "Veteran" Jawa Timur

DOI:

https://doi.org/10.59934/jaiea.v4i3.1201

Keywords:

User acceptance, KAIPAY, UTAUT model

Abstract

The rapid development of digital technology has driven the adoption of application-based payment services such as KAIPAY; however, its usage among students remains suboptimal. This study aims to analyze the factors influencing the intention and behavior of students to use the KAIPAY application, referring to the Unified Theory of Acceptance and Use of Technology (UTAUT) model, which is modified by adding the variable of Trust. Using a quantitative approach and survey method, data will be collected through a questionnaire designed to explore users' perspectives and experiences. Data analysis is planned to utilize Structural Equation Modeling (SEM) to examine the influence of the variables Performance Expectancy, Effort Expectancy, Social Influence, Facilitating Conditions, and Trust on Behavioral Intention and Use. By understanding these factors, this research is expected to provide deeper insights into how trust and social influence can contribute to the adoption of digital payment applications among students.

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