The influence of trust, perceived usefulness, attitude, and promotion on e-wallet adoption among generation Z in Bangkalan, Indonesia

Departement of Industrial Engineering, Faculty of Technolgy, Universitas Trunodjoyo Madura, Bangkalan, Indonesia

^* Corresponding author: retno.indriartiningtias@trunojoyo.ac.id

Published online: 22 December 2025

Abstract

Digital transformation significantly changes the behavior of financial transactions, especially among Generation Z, who are highly familiar with technology. The increasing usage of e-wallets offers efficient and practical forms of payment that assist in a cashless movement in Indonesia. Meanwhile, not much is known about behavioral and technological factors that influence the adoption of e-wallets by young users. Thus, this research will contribute to the availability of empirical evidence as regards the effect of trust, perceived usefulness, attitude, and promotion on the intention to adopt e-wallets among Gen Z in Bangkalan. In this study, the quantitative approach was employed by using primary data through an online questionnaire distributed to undergraduate students who are below 26 years old. A total of 120 valid responses were analyzed by means of SEM using AMOS software. The test results showed that perceived usefulness and attitude significantly influenced e-wallet adoption, but, contrastingly, trust and promotion have no significant direct effect. Moreover, perceived usefulness also has a positive impact on attitude and promotion; thus, this explains the importance of perceived usefulness in shaping user intentions. These findings add to the sparse knowledge regarding behavioral determinants of digital payment adoption and could help policymakers and fintech developers enhance user trust, usability, and engagement.