The Impact of Income Level on E-wallet Adoption and E-marketplace: A Moderated Mediation Model Examining Consumptive Behavior.

This study investigates The Impact of Income Level on E-wallet Adoption and E-marketplace: A Moderated Mediation Model Examining Consumptive Behaviour. The impact of income level on the use of e-wallets and e-marketplaces emphasizes the necessity of investigating how consumer behaviour is influenced by financial capacity, specifically through the interaction of impulsive spending inclinations and technological accessibility. This study employs Structural Equation Modeling with SMART-PLS to analyze the January 2024-2025 data collected via Google Forms. Indonesian respondents participated in Purposive sampling to obtain the data. In this study, the variables include Perceived Ease of Use Perceived of Benefits, Promotions, Behaviour Intention, Income Level, Usage Behaviour of E-wallet & E-marketplace, Consumptive Behaviour. The data was derived from the responses of 475 E-wallet and E-marketplace users, of which 34.7% were men and 65.3% were women. This research reveals that, of the seven variables examined, six have significant hypotheses. It found that one hypothesis has not a robust relationship, the relation between perceived ease of use is not significant.