Nicky Zahra

ORCID: 0009-0001-5308-9817
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Research Areas
  • FinTech, Crowdfunding, Digital Finance
  • Technology Adoption and User Behaviour
  • Consumer Behavior and Marketing Influence

Purpose: This research focuses on adopting and using smartphone-based digital payment systems among Generation X millennials in Jakarta, Tangerang, South Indonesia. Combining UTAUT-IRT was used to investigate acceptance. Theoretical framework: study examines the effect of UTAUT IRT factors behavior intention use e-money actual usage e-money. Design/methodology/approach: The utilizes a non-probability convenience sampling technique, with sample size 268 respondents. Data collection is...

10.55908/sdgs.v11i2.559 article EN cc-by-nc Journal of Law and Sustainable Development 2023-07-24
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