The Effect of Financial Literacy, Subjective Norms on the Intensity of Use of e-Wallets Through User Attitudes as Intervening Variables in Employees at the South Sumatra Governor's Office

Financial literacy and subjective norms are things to consider regarding the intensity of E-Wallet use. This study aims to determine the effect of financial literacy, subjective norms on the intensity of e-Wallet use through user attitudes as an intervening variable in employees at the South Sumatra Governor's Office. This research method uses quantitative research. The population in this study were employees of the South Sumatra Governor's Office, totaling 660 people. The sampling technique in this study used purposive sampling technique, purposive sampling is the determination of samples based on certain sample criteria. Based on predetermined criteria, a sample of 112 respondents was obtained. The data analysis technique of this research uses Smart-PLS version 3.2.9. The results of this study indicate that 1) Financial literacy has a positive and significant effect on the intensity of e-wallet use 2) Financial literacy has a positive and significant effect on user attitudes 3) Subjective norms have a positive and significant effect on the intensity of e-wallet use 4) Subjective Norms have a positive and significant effect on subjective norms 5) Intensity of use of e-wallets has a positive and significant effect on user attitudes 6) Financial literacy has a positive and significant effect on the intensity of e-wallet use through user attitudes 7) Subjective Norms have a positive and significant effect on the intensity of e-wallet use through user attitudes 7) Subjective Norms have a positive and significant effect on the intensity of e-wallet use.