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ABSTRACT:

Technological developments are changing society's transaction patterns, both individual and corporate. Technology also has an important role with the emergence of new innovations in the financial sector which periodically replace the role of cash as a transaction tool with digital financial transactions. Digital financial transactions are increasingly in demand in the financial sector and have high potential to replace cash and become the most effective way to complete transactions quickly. Currently, the use of e-wallets based on non-cash transactions is growing due to the ease and practicality of transactions (starting from simple, time efficient, lots of promos offered, no need to go to the bank, and safe) offered by digital wallet service providers. This research aims to look at determining factors of e-wallet use behavioral intention: application and extension of the UTAUT model. The objects of this research were e-wallet service users in the city of Padang with a sample of 210 people. The sampling technique uses a nonprobability sampling method with a purposive sampling technique. The independent variables in this research are effort expectancy, perceived enjoyment, performance expectancy, then the dependent variable behavioral intention and the mediating variable satisfaction. The analysis method used is Partial Least Square (PLS). The research results found that effort expectancy has a positive and significant effect on behavioral intention. Performance expectancy Negative has no significant effect on behavioral intention. Effort expectancy has a positive and significant effect on satisfaction. Perceived enjoyment has a positive and significant effect on satisfaction. Performance expectancy Positive has no significant effect on satisfaction. Satisfaction has a positive and significant effect on behavioral intention. Perceived enjoyment has a positive and significant effect on effort expectancy. Perceived enjoyment has a positive and significant effect on performance expectancy. Effort expectancy has a positive and significant effect on behavioral intention with satisfaction as an intervening variable. Performance expectancy Positive has no significant effect on behavioral intention with satisfaction as an intervening variable

KEYWORDS:

Effort Expectancy, Perceived Enjoyment, Performance Expectancy, Satisfaction, Behavioral Intention

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