Analysis of Factors Influencing Continuance Intention of Digital Wallet Users Using the UTAUT2 Model: Systematic Literature Review

The development of digital wallets in Indonesia has increased the use of cashless payment systems, but the high adoption rate does not necessarily lead to the continued use of the service. Therefore, this study aims to analyze the factors influencing the continuance intention of digital wallet users based on the UTAUT2 model and its extended model. The study uses the Systematic Literature Review (SLR) method by collecting and analyzing scientific articles obtained from Google Scholar, ScienceDirect, SINTA, and SAGE Journals. The selection process was conducted based on predetermined inclusion and exclusion criteria, resulting in 30 relevant articles for analysis. The synthesis results show that Habit, Satisfaction, Performance Expectancy, Perceived Usefulness, Trust, Hedonic Motivation, and Effort Expectancy are the factors most frequently found to have a significant influence on continuance intention. Among these factors, Habit and Satisfaction are the most dominant and consistent determinants. Meanwhile, Social Influence, Facilitating Conditions, Price Value, Perceived Security, and Perceived Risk show varying results across studies. These findings indicate that internal user factors play a more dominant role than external factors in driving the continued use of digital wallets.

Continuance Intention, Digital Wallet, UTAUT2, Systematic Literature Review.

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