E-WALLET UTILIZATION ON INDIVIDUAL USERS: IMPACT ON SOCIAL, ENVIRONMENTAL, AND PSYCHOLOGICAL FACTORS(Study on MSMEs in Palu City)

Authors

  • Saddam Fatur Rahman Sadam Universitas Tadulako, Palu, Central Sulawesi, Indonesia Author
  • Femilia Zahra Universitas Tadulako, Palu, Central Sulawesi, Indonesia Author
  • Muhammad Ikbal Abdullah Universitas Tadulako, Palu, Central Sulawesi, Indonesia Author
  • Fikry Karim Universitas Tadulako, Palu, Central Sulawesi, Indonesia Author

DOI:

https://doi.org/10.62207/jy67j523

Keywords:

E-wallet, Social Factors, Environmental Factors, Psychological Factors, UTAUT

Abstract

The goal of this study is to examine how individual users' use of e-wallets affects three key aspects of MSMEs in Palu City: social, environmental, and psychological. This study assesses the primary factors influencing technology adoption—performance expectations, effort, social influence, and supportive conditions—using the UTAUT model. The results of a quantitative study using a survey with 397 participants indicated that these three factors were significantly impacted by the use of e-wallets. These findings demonstrate how technology innovation can improve financial inclusion, lessen its negative effects on the environment, and give MSME participants convenience and security.

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Published

2025-01-29

How to Cite

E-WALLET UTILIZATION ON INDIVIDUAL USERS: IMPACT ON SOCIAL, ENVIRONMENTAL, AND PSYCHOLOGICAL FACTORS(Study on MSMEs in Palu City). (2025). Accounting Studies and Tax Journal (COUNT), 2(1), 429-442. https://doi.org/10.62207/jy67j523