Subjective norm and religiosity in public acceptance towards digital money usage with TAM model

Online transactions does not guarantee consumers will always use electronic money, even though in this time of COVID-19 some people are still reluctant to switch to electronic money and still believe more in the form of physical money. There are various reasons for people to not switch to electronic money, one of that reasons which is the religious law factor. This research aims to provide empirical evidence about Subjective Norm and Religiosity factors influence to consumers for using electronic money. This study uses TAM model. This study uses primary data using a questionnaire, with convenience sampling method, data is processed by using PLS. Study results proved that Subjective Norm only affects perceived ease of use but does not affect perceived of usefulness, and religiosity does not affect behavioral interest in using electronic money.