The Role of Application Design Quality on E-Wallet Adoption in Indonesia with Gender as A Moderating Variable

Abstract

The increasingly rapid development of technology in the digital era has given rise to innovation in the financial industry which is marked by the presence of financial technology (fintech). E-wallet is a type of fintech that is used as one of the most popular payment methods by Indonesian people. This research aims to determine the role of application design quality on e-wallet adoption in Indonesia using the TAM model moderated by gender. The design of this research is cross-sectional quantitative. The data were collected through questionnaires and distributed from February to May 2025. The sampling technique used a purposive sampling method involving 380 e-wallet user respondents who were at least 18 years old. Data were analyzed using SEM-LISREL software version 8.80. The research results show that the application design quality has a positive and significant effect on perceived ease of use and perceived usefulness, then these two constructs have a positive and significant effect on behavioral intention to use, and behavioral intention to use has a significant positive effect on e-wallet adoption. The moderating analysis confirmed that gender moderates the relationship between perceived ease of use and perceived usefulness on intention to use e-wallets, with men being more influenced by ease of use, while women are more influenced by perceived usefulness. The managerial implication in this research is to increase ease of use and perceived usefulness so that e-wallet service providers are able to maintain market share and retention of e-wallet users based on a gender perspective in order to support financial inclusion in the technology-based economic sector.