Determinan Penggunaan E-Money dengan Pendekatan Model UTAUT 2 dan Risiko yang Dirasakan

The research objective is to analyze what factors influence the use of e-money with extended unified theory acceptance and technology (UTAUT2) theoretical approach. Data collection using a questionnaire. sample was users aged 17-35 years as proxy for millennial generation in Mataram City total 287 respondents. results empirical data testing show that behavioral intention variable has significant positive effect on behavior, habit perceived risk variables have intention, financial risk, performance privacy behavior. Meanwhile, effort expectancy, facilitating conditions, hedonic motivation, price value, social do not affect conditions behavior.
 Keywords: Determinant; E-Money; Risk; UTAUT 2