The Impact of Perceived Ease of Use and Perceived Usefulness towards Actual System Usage through Behavioral Intention as an Intervening Variable on ShopeePay E-Wallet Users (Study on ShopeePay E- Wallet Users in Semarang City)

The rapid growth of technology nowadays has driven the era of digital disruption by using e-wallets as a transaction tool. ShopeePay, one of the players in this industry has had an extreme decrease due to the use percentage in the past few years. This research aims to reveal the impact of perceived ease of use and perceived usefulness on actual system usage through behavioral intention as an intervening variable. The research adopted an explanatory research design and used data collection techniques in questionnaires with 97 respondents and a nonprobability sampling technique. The criteria for the respondents were that they must be aged at least 17, currently or temporarily reside in Semarang, and have conducted at least 1 ShopeePay transaction in the past six months. The research used SmartPLS 4.1.0.6 as a statistical tool. The result showed that perceived ease of use and perceived usefulness positively and significantly affect actual system usage, both directly and indirectly. Behavioral intention, as an intervening variable, has a partial mediation effect on both independent variables. Further suggestions that Shopee can carry out include management optimization regarding error systems, user interface repairment, and expanding merchant collaboration with business owners.