How Self-Efficacy Could Relate To Tam Theory For M-Wallet Due To Technophobia In Jakarta And Surrounding Areas

n this era of technology, m-wallet is widely used in Indonesia, m-wallet. However, despite many young tech-savvy users, there are also non-tech savvy users. These are usually older people without self-efficacy in technology, and this phenomenon is called technophobia. So, this research aims to analyze how self-efficacy could relate to TAM theory for m-wallet due to technophobia. This research was distributed in Jakarta & surrounding areas with quantitative data resulting from online questionnaires distributed to 200 respondents who are m-wallet users with convenience sampling. Data was processed using SEM (Structural Equation Modelling) with SmartPLS3 software. The findingsin this research confirmed that m-wallet self-efficacy does not have a significant influence on intention to use m-wallet in Jakarta & surrounding areas. Meanwhile, the TAM theory, perceived usefulness, and perceived ease of use have a significant influence on intention to use as they have been proven most of the time in previous literatures