Analisis Pengaruh E-Wom Dan Kepercayaan Terhadap Perilaku Adopsi E-Wallet

E-wallet is a fintech innovation that emerged due to technological innovation and the development of the internet that is useful for making it easier for humans to transact and use information technology-based financial services. E-wallet users continue to increase from year to year along with the development of technology and the internet. People are starting to use e-wallet technology as a daily habit in meeting transaction needs, technology acceptance or technology adoption does not just happen, but some factors cause the spread of digital payments with e-wallets so that people adopt e-wallets. This study is to analyze the effect of E-WOM on the behavior of e-wallet adoption which is mediated by trust. The population of this study was e-wallet users in Central Java with a sample of 173 respondents who met the research criteria. The sample selection was based on the purposive sampling method, which was judgment sampling. The data analysis technique used is SEM-PLS using Smart PLS 3.0 software. The results of the analysis of this study show that E-WOM has a positive and significant effect on integrity. E-WOM has a positive and significant effect on benevolence. E-WOM has a positive and significant effect on competence. E-WOM has a positive and significant effect on e-wallet adoption behavior. Integrity variable has no significant effect on e-wallet adoption behavior. The benevolence variable has no significant effect on e-wallet adoption behavior. The competence variable has a positive and significant effect on e-wallet adoption behavior. The results of the analysis of the indirect relationship of E-WOM on e-wallet adoption behavior mediated by the competence variable have a positive and significant effect. The limitation of this study is that the sample taken is small due to the Covid-19 pandemic. Future research is expected to be able to increase the number of samples and tests in different areas for the research population