the process of adoption interest in using digital wallet in central jakarta (case study on go-pay users)

the implementation of non-cash or cashless systems in indonesia is a direct influence of the development of financial technology (fintech). one form of applications of this non-cash system is electronic money, for example, go-pay, which is widely used in indonesia. go-pay is a product of the first unicorn startup in indonesia. this study was carried out with the aim to determine the process of forming an interest in adopting go-pay. this study was conducted using a qualitative approach with a single case study method and the data collection techniques used focus group discussion. based on the focus group discussion, it was found that the informants were interested in adopting go-pay after going through the stages of adoption interest seen from awareness, interest, evaluation, trial, and adoption. in addition, the adoption interest of go-pay for informants was also supported by factors of perceived usefulness and perceived ease of use—in which the easier the technology, and the more useful the technology, the faster the technology will be adopted.