Differences of Gender Perception in Adopting Cashless Transaction Using Technology Acceptance Model

The purpose of this study is to develop a Technology Acceptance Model (TAM), to determine differences in gender perceptions in adoptingnon-cash transactions. In this study, the authors provide a measurement of differences in gender perceptions in adopting cashless, whichrefers to perceived usefulness, perceived ease-of-use, and perceived security. Respondents in this study were students from the millennialgeneration who are very familiar with the use of technology, especially non-cash transactions. The data collection technique used in this studywas a survey, by distributing questionnaires to 260 respondents. The data were processed statistically through Structural Equation Modeling(SEM). The results of this study indicate that for men, ease-of-use of transactions does not increase the use of non-cash transactions.Meanwhile, for women, perceived ease-of-use has a significant and positive effect on the use of non-cash transactions. Furthermore,perceptions of usability and security have a positive and significant impact on using non-cash transactions. It was also found that femalestudents had a positive, but not significant, effect on the use of non-cash transactions. This means that there has been a difference in theperception of gender, between men and women, in responding to the use of non-cash transactions