Perceived Ease of Use, Personal Innovation, and Intention to Use OVO through Attitude among Generation Z in Surabaya

Abstract

Despite the increasing use of digital payments in Surabaya, OVO’s adoption among Generation Z remains relatively low compared to other e-wallet platforms. This study aims to analyze the mechanism through which perceived ease of use and personal innovation influence the intention to use OVO, with attitude acting as a mediating variable. Employing an explanatory quantitative approach, data were collected from 150 Generation Z respondents who had not previously used OVO and analyzed using Structural Equation Modeling (SEM-PLS). The findings reveal that perceived ease of use significantly enhances attitude, which subsequently increases the intention to use OVO. Moreover, personal innovation has a positive and significant impact intention, while perceived ease of use does not directly influence it. Attitude has been shown to mediate the relationship between perceived ease of use and behavioral intention. A key contribution of this study lies in developing the Technology Acceptance Model (TAM) by incorporating personal innovation and emphasizing the mediating role of attitude in explaining digital wallet adoption among Generation Z.