Factors Influencing the Intention of Using Gopay by the Millennial Generation in Medan City: Extended Technology Acceptance Model Approach

Authors

  • Rahma Fahmadina Lubis State Islamic University of North Sumatra, Indonesia
  • Aqwa Naser Daulay State Islamic University of North Sumatra, Indonesia
  • Siti Aisyah State Islamic University of North Sumatra, Indonesia

DOI:

https://doi.org/10.56209/jommerce.v6i1.221

Keywords:

Perceived Ease of Use, Perceived Usefulness, Perceived Trust, Perceived Security, Social Influence

Abstract

The purpose of the study is to gain an in-depth understanding of how the Factors Affecting the Intention of Using Gopay by the Millennial Generation in Medan City: The Extended Technology Acceptance Model (TAM) Approach. The method used in this study is a quantitative approach with the IBM SPSS 26 tool. The population studied was the millennial generation who used digital payments, with 400 respondents through the purposive stratified sampling method, namely the sample extraction technique in the study where the researcher deliberately chose participants who had specific characteristics or criteria that were relevant to the research objectives. The results of the study show that perceived ease of use, perceived usefulness, perceived trust, perceived security, social influence and life competency have a significant effect on the intention of use.

References

Ajzen, I. (1991). The theory of planned behavior. Organizational Behavior and Human Decision Processes, 50(2), 179-211. https://doi.org/10.1016/0749-5978(91)90020-T

Al Zahra, H., Febrian, E., & Amar, S. D. (2019). Faktor-faktor yang mempengaruhi sikap dan intensi pengurus koperasi untuk menggunakan platform layanan keuangan digital di Kota Bandung. Jurnal Manajemen (Edisi Elektronik), 10(2), 155-165.

Alalwan, A. A. (2018). Investigating the impact of social media advertising features on customer purchase intention. International Journal of Information Management, 42, 65 77. https://doi.org/10.1016/j.ijinfomgt.2018.06.001

Alkhowaiter, W. A. (2020). Digital payment and banking adoption research in Gulf countries: A systematic literature review. International Journal of Information Management, 53, 102102. https://doi.org/10.1016/j.ijinfomgt.2020.102102

Anwar, R. N., & Ivanka, A. (2022). The Impact of Customer Experience, Ease of Use, and Trust on the Use Adoption of E-Wallet Funds in Jakarta. Jurnal Ilmu Sosial Politik dan Humaniora, 5(2), 43-55. https://doi.org/10.36624/jisora.v5i2.89

Belmonte, Z. J. A., Prasetyo, Y. T., Cahigas, M. M. L., Nadlifatin, R., & Gumasing, M. J. J. (2024). Factors influencing the intention to use e-wallet among generation Z and millennials in the Philippines: An extended technology acceptance model (TAM) approach. Acta Psychologica, 250, 104526. https://doi.org/10.1016/j.actpsy.2024.104526

Cardoso, A., Pereira, M. S., Silva, A., Souza, A., Oliveira, I., & Figueiredo, J. (2024). The Influence of Digital Influencers on Generation Y’s Adoption of Fintech Banking Services in Brazil. Sustainability, 16(21), 9604.

Coursaris, C. K., & Van Osch, W. (2015). Lifestyle-technology fit: Theorizing the role of self-identity in IS research. Computers in Human Behavior, 49, 460-476. https://doi.org/10.1016/j.chb.2015.02.049

Davis, F. D. (1989). Perceived usefulness, perceived ease of use, and user acceptance of information technology. MIS Quarterly, 13(3), 319-340. https://doi.org/10.2307/249008

Firdaus, Z. Y., Krisbiantoro, D., & Afiana, F. N. (2022). Analisis Faktor-Faktor Yang Mempengaruhi Penerimaan Dan Penggunaan Aplikasi Dompet Digital Menggunakan Technology Acceptane Model (TAM). Journal of Information System Management (JOISM), 3(2), 56-62. https://doi.org/10.24076/joism.2022v3i2.619

Hair, J. F. (2014). A primer on partial least squares structural equation modeling (PLS-SEM). SAGE.

Hapsoro, B. B., & Kismiatun, K. (2022). The Effect of Perceived Ease of Use, Perceived Usefulness, and Perceived Security on E-Wallet Continuance Intention of Shopeepay Through E-Satisfaction. Management Analysis Journal, 11(4), 395-405.

Harianja, L. R., Sugianto, S., & Daulay, A. N. (2024). Systematic Literatur Riview : Analisis Transformasi Digital Industri Asuransi Potensi (Insurtech) Di Indonesia. Jurnal Manajemen Terapan Dan Keuangan, 13(02), 466–480. https://doi.org/10.22437/jmk.v13i02.33280

Houston, D. D. (2020). Adopsi Penerimaan Digital Payment Pada Kalangan Milenial. Medium, 7(2), 55–67. https://doi.org/10.25299/medium.2019.vol7(2).4094

Ilieva, G., Yankova, T., Ruseva, M., Dzhabarova, Y., Zhekova, V., Klisarova-Belcheva, S., ... & Dimitrov, A. (2024). Factors influencing user perception and adoption of e-government services. Administrative Sciences, 14(3), 54.

Judijanto, L., & Wardhani, D. (2024). The Impact of Mobile Payment Systems and User Interface Design on Customer Adoption and Transaction Volume in E-commerce Companies in Jakarta. The Eastasouth Journal of Information System and Computer Science, 2(01), 47-61. https://doi.org/10.58812/esiscs.v2i01.321

Khatri, A., Gupta, N., & Parashar, A. (2020). Application of technology acceptance model (TAM) in fintech services. International Journal of Management (IJM), 11(12), 3520-3548.

Kim, D. J., Ferrin, D. L., & Rao, H. R. (2021). Trust and satisfaction, two stepping stones for successful e-commerce relationships: A longitudinal exploration. Information Systems Research, 20(2), 237–257. https://doi.org/10.1287/isre.1080.0188

Kumar, M. S., Adalarasu, B., & Krishnan, S. G. (2020). Perceived usefulness (Pu), perceived ease of use (peou), and behavioural intension to use (biu): Mediating effect of attitude toward use (AU) with reference to mobile wallet acceptance and adoption in rural India. TEST Engineering & Management, 933-941.

Linh, T. T., & Huyen, N. T. T. (2025). An extension of Trust and TAM model with TPB in the adoption of digital payment: An empirical study in Vietnam. F1000Research, 14, 127. https://doi.org/10.12688/f1000research.157763.3

Popova, N., Kataiev, A., Skrynkovskyy, R., & Nevertii, A. (2019). Development of trust marketing in the digital society. Economic Annals-XXI, (3-4), 13-25. https://doi.org/10.21003/ea.V176-02

Putri, L., Iqbal, M., & Ramdani, R. F. (2025). The Influence of Perceptions of Convenience, Benefits, and Risks on Interest in Using Financial Technology (Gopay) in Gen Z in Bandar Lampung City. Majapahit Journal of Islamic Finance and Management, 5(4), 3354-3373. https://doi.org/10.31538/mjifm.v5i4.552

Rahardi, F., & Marlena, N. (2023). Analisis Faktor-Faktor Yang Mempengaruhi Minat Masyarakat Surabaya Terhadap Penggunaan Dompet Digital Gopay. Jurnal Pendidikan Tata Niaga (JPTN), 11(2), 187-198. https://doi.org/10.26740/jptn.v11n2.p187-198

Ramadhani, S., Dewi, N., & Tanjung, R. (2022). Lifestyle compatibility and fintech adoption among millennials in Indonesia. Jurnal Manajemen Teknologi dan Inovasi, 13(2), 121-133. https://doi.org/10.14710/jmti.v13i2.3156

Rante, Y., & Toii, I. E. W. (2025). The Influence of Perceived Usefulness, Ease of Use, Security, and Trust on Intention to Use DANA E-Wallet. Jurnal Ilmiah Manajemen Kesatuan, 13(5), 2815-2826.

Rosli, M. S., Saleh, N. S., Md. Ali, A., & Abu Bakar, S. (2023). Factors determining the acceptance of E-wallet among gen Z from the lens of the extended technology acceptance model. Sustainability, 15(7), 5752. https://doi.org/10.3390/su15075752

Salsabila, Z., Munandar, R. K., & Pambudi, A. D. (2025). Analisis Pengaruh Kemudahan dan Kepercayaan terhadap Minat Penggunaan E-Wallet GoPay Menggunakan Technology Acceptance Model (TAM). Jurnal Penelitian Teknik, 2(2), 210-220.

Shahzad, K., & Hafeez, S. (2022). Digital trust in business ecosystem collaboration: Leveraging digital technologies to develop a framework. In Trust, Digital Business and Technology (pp. 242-254). Routledge.

Situmorang, S. H. (2023). Mobile Payment: Trends in the Digital Shopping Behaviour of the Millennial Generation. In Digital Transformation for Business and Society (pp. 196-217). Routledge.

Tayibnapis, A. Z., Wuryaningsih, L. E., & Gora, R. (2018). The development of digital economy in Indonesia. IJMBS International Journal of Management and Business Studies, 8(3), 14-18.

Toh, T. L., Kiew, J. P., & Wong, A. H. A. (2022). Factors influencing the intention to use e-wallet among millennials. International Journal of Academic Research in Business and Social Sciences, 12(11). http://dx.doi.org/10.6007/IJARBSS/v12-i11/14862

Venkatesh, V. (2022). Adoption and use of AI tools: a research agenda grounded in UTAUT. Annals of operations research, 308(1), 641-652. https://doi.org/10.1007/s10479-020-03918-9

Yang, M., Mamun, A. A., Mohiuddin, M., Nawi, N. C., & Zainol, N. R. (2021). Cashless Transactions: A study on Intention and adoption of e-Wallets. Sustainability, 13(2), 831. https://doi.org/10.3390/su13020831

Zakariya, A., & Arifin, A. A. (2025). The Application of Digital Payments (QRIS & E-Wallet) on the Efficiency of MSME Transactions. Journal of Finance, Economics and Business, 4(2), 1-19. https://doi.org/10.59827/jfeb.v4i2.326

Downloads

Published

2026-02-08