The Moderation Effect of Age on Adopting E-Payment Technology

E-payment is one of the fin-tech solutions that has gained users from different generations. This is unique as it is known that distinctive generations may adopt technology differently. This study aimed to assess on how the adoption of an e-payment system differs on different generations using the quantitative method. We used TAM model moderated by age as the research model. Data was collected through an online questionnaire and successfully gathered 532 responses from application users. The findings showed that only perceived ease of use has a positive effect on perceived of usefulness, that was moderated by age. This result may provide a new perspective on how e-payment being adopted on Indonesian users.