Femmy Effendy, Ratih Hurriyati, H Disman, Mokh. Adib Sultan, Lila Setiyani, Ramayani Yusuf
This study is to analyze the decision factors to use application Server-Based Electronic Money (SBEM) by developing a model based on the technology, personal, and environment framework (TPE framework), including perceived usefulness, perceived ease of use, hedonic motivation, compatibility, perceived of application quality, social influence and tradition. The study is data obtained directly or primary data by surveying respondents, measured by a semantic differential scale. The sample obtained is 143 current active users. The data analysis technique used in this research is PLS, a multivariate statistical method that can simultaneously handle multiple response variables and explanatory variables. The results indicated that the TPE factors, including perceived usefulness, perceived ease of use, hedonic motivation had positive and significant effects on perceived benefit. Perceived application quality and compatibility had a positive and significant impact on initial trust. Social influence had no affected intention to use the application. Tradition had a negative and significant effect as a barrier factor on intention to adopt it. This study shows that personal and technological are essential factors that influence the decision to use Electronic Money, so making an application that fits the user's needs is the most important thing. Application developers expect to provide education on technology to potential users to be easy to apply.