The role of Mobile Skillfulness and User Innovation toward Electronic Wallet Acceptance in the Digital Transformation Era

摘要: The age of digital transformation has profound effects on the businesses’ operations and consumer behavior. Payment through electronic wallet, which is one solutions to digitize payables corporate receivables, increasingly popular globally. This study had enriched Technology Acceptance Model (TAM) explore role mobile skillfulness user innovation in wallet acceptance consumers era. Both qualitative quantitative research methods were used achieve goal. Research results affirmed TAM model applied toward e-wallet service, besides, showed positive effect consumers’ intention accept daily transactions. Some managerial implications also suggested for regulators at service providers.