ANALYZING BEHAVIORAL INTENTION OF E-WALLET USAGE IN FOOD AND BEVERAGE AT MICRO SMALL AND MEDIUM ENTERPRISES (MSME) IN MANADO

Abstract

The purpose of this research is to find out the performance expectation, effort expectation, social influence, perceived risk, dan perceived cost on behavioral intention for E-wallet usage by MSMEs in Manado. This research is conducted by using quantitative method using questionnaires as data collection method. Owners/the person in charge of the micro, small and medium enterprises in Manado use e-wallet that can be informants about these issues. Researchers determine the minimum sample to be 100 respondents. The requirements in selecting the samples, Owners/people in charge of MSME that use e-wallet in transactions. In this study, the primary data collected is data obtained by submitting questionnaire. The result of this research showed that performance expectation has a negative and significant influence on behavior intention to use e-wallet in food and beverage MSME in Manado City, effort expectation and social influence have a positive and significant influence on behavior intention to use e-wallet in food and beverage MSME in Manado City, perceived risk and perceived cost have a negative and not significant influence on behavior intention to use e-wallet in food and beverage MSME in Manado City, and performance expectation, effort expectation, social influence, perceived risk, and perceived cost, simultaneously has a positive and significant influence on behavior intention to use e-wallet in food and beverage MSME in Manado City. It is recommended that MSME owner or management must consider the importance of variables in this research, as well as its importance in order to optimize the business activities. MSME owner also should consider focusing on the variables that have a significant influence in usage of e-wallet to improve the business activities.

Keywords: E-Wallet, MSME, Entrepreneurship.