Integrating Diffusion of Innovation to Technology Acceptance Model: A Survey of Millennials’ Intention to Use E-Money Card

This study aims to investigate millennials' intentions to use the E-Money card.The variables examined in this study include perceived compatibility, trialability, complexity, perceived enjoyment, observability, perceived usefulness, innovativeness, perceived ease of use, relative advantage and usage intention.This study applied a quantitative research method with an online survey platform and distributed via media such as WhatsApp, Instagram, and Line.The questionnaire contained 34 questions.The sampling technique used was purposive sampling and obtained 435 respondents with 390 valid responses.All variables passed the validity and reliability test and no discriminant problems were found.For hypothesis analysis, this study applied.Results show that perceived ease of use and usefulness are influenced by relative advantage.Then, perceived ease of use is influenced by perceived compatibility, complexity, observability, and trialability.Further, innovativeness influences usage intention, perceived usefulness, and perceived ease of use influence usage intention.It is also found that there are no influences between perceived compatibility and usefulness.Moreover, complexity, observability, and trialability do not influence perceived usefulness and enjoyment, innovativeness does not influence perceived usefulness and ease of use, and lastly ease of use does not influence usefulness.This study contributes to the body of knowledge in regards to millennial usage of the E-Money card by integrating the Diffusion of Innovation theory with innovativeness to TAM.