FEATURE INNOVATION AND PERCEIVED EASE OF USE AS PREDICTORS OF E-WALLET USAGE: EVIDENCE FROM A LOCAL RETAIL BUSINESS IN PALEMBANG, INDONESIA

Tania Faradilla; Erdiansyah Erdiansyah; Mohammad Nur Arriyanto

doi:10.61397/mfc.v4i2.591

Authors

Tania Faradilla Universitas PGRI Palembang
Erdiansyah Erdiansyah Universitas PGRI Palembang https://orcid.org/0000-0003-2007-7825
Mohammad Nur Arriyanto Universitas PGRI Palembang

DOI:

https://doi.org/10.61397/mfc.v4i2.591

Keywords:

e-wallet usage; feature innovation; perceived ease of use; digital payments; technology acceptance; Indonesia

Abstract

This study examines the associations of feature innovation and perceived ease of use with e-wallet usage among consumers of Global Cell, a digital retail business in Palembang, Indonesia. A quantitative cross-sectional survey was conducted with 99 purposively selected consumers who used non-cash payment services. Data were collected through a five-point Likert-scale questionnaire and analysed using multiple linear regression in IBM SPSS Statistics 26. The reported instrument results indicated item–total correlations above the stated critical value and Cronbach’s alpha coefficients of .937 for feature innovation, .888 for perceived ease of use, and .899 for e-wallet usage. The regression results showed that feature innovation was positively associated with e-wallet usage (B = 0.499, β = .587, t = 10.243, p < .001), as was perceived ease of use (B = 0.458, β = .403, t = 7.036, p < .001). The overall model was statistically significant, F(2, 96) = 284.432, p < .001, and explained 85.6% of the observed variance in e-wallet usage (R² = .856; adjusted R² = .853). Feature innovation had the larger standardized coefficient in this model. The findings suggest that users’ evaluations of functional feature development and operational simplicity are relevant correlates of e-wallet usage in a local retail setting. Because the study is cross-sectional, purposively sampled, and based on self-reported measures, the results should be interpreted as associations rather than causal effects or population-wide estimates. The paper contributes context-specific evidence to technology-acceptance research and offers practical considerations for retailers and digital-payment providers.

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