• Irawan Wingdes STMIK Pontianak
  • I Dewa Ayu Eka Yuliani STMIK Pontianak


E-money, TAM, Social, Cultural


Penelitian ini bertujuan untuk menyelidiki intensi dan penggunaan e-money di Pontianak karena beberapa kali implementasi mengalami kegagalan. Model penelitian mengutilisasi faktor sosial dan budaya yang diekstensikan dengan Technology Acceptance Model. Data dikumpulkan dengan survei pada sampel 280 responden selama tiga bulan dan dianalisis dengan metode SEM. Hasil menunjukkan adanya pengaruh faktor Kegunaan terhadap Niat Menggunakan dan Penggunaan Riil. Pengaruh moderasi dari sosial dan budaya dieksplorasi dan hasil dibahas lebih jauh dalam artikel.


This research was aimed to explain intention and actual use of e-money in Pontianak due to several failed attempts by local government. Research model employed social and cultural factors extended to Technology Acceptance Model. As much as 280 data was collected with survei method for three months period at refueling station. Data was analized with SEM method. Results showed strong correlation of usefulness with intention to use and actual use. Moderated relationships of cultural and social factors were also explored and discussed further in article.

Author Biography

Irawan Wingdes, STMIK Pontianak

STMIK Pontianak


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