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Using a quantitative design with 150 respondents, purposive sampling, and SEM-PLS analysis, the research tests direct and mediating relationships. Results indicate that Tri Kaya Parisudha–based attitude mediates the effects of perceived risk and subjective norms on reuse intention, supporting continued e-money use among seniors in Denpasar.",{"@graph":69,"@context":123},[70,84,106],{"@type":71,"itemListElement":72},"BreadcrumbList",[73,77,79,82],{"item":74,"name":75,"@type":76,"position":8},"https://docshare.wps.com","Home","ListItem",{"item":78,"name":9,"@type":76,"position":14},"https://docshare.wps.com/document/",{"item":80,"name":40,"@type":76,"position":81},"https://docshare.wps.com/document/research-report/",3,{"item":83,"name":65,"@type":76,"position":19},"https://docshare.wps.com/document/attitude-based-on-tri-kaya-parisudha-in-increasing-intention-to-reuse-e-money/228652/",{"url":83,"name":65,"@type":85,"image":86,"author":91,"headline":65,"publisher":94,"fileFormat":97,"inLanguage":63,"description":67,"dateModified":98,"datePublished":99,"encodingFormat":97,"isAccessibleForFree":100,"interactionStatistic":101},"DigitalDocument",{"url":87,"@type":88,"width":89,"height":90},"https://docshare.wps.com/thumbnails/attitude-based-on-tri-kaya-parisudha-in-increasing-intention-to-reuse-e-money/228652.png","ImageObject",300,407,{"name":92,"@type":93},"Quinn Holloway","Person",{"url":74,"name":95,"@type":96},"DocShare","Organization","application/pdf","2026-10-29","2026-09-10",true,{"@type":102,"interactionType":103,"userInteractionCount":105},"InteractionCounter",{"@type":104},"ViewAction",18,{"@type":107,"mainEntity":108},"FAQPage",[109,115,119],{"name":110,"@type":111,"acceptedAnswer":112},"What variables are analyzed in the study about e-money reuse?","Question",{"text":113,"@type":114},"The study analyzes perceived risk and subjective norm as factors influencing Tri Kaya Parisudha–based attitude, and then examines how that attitude affects reuse intention and related role attitudes among elderly users.","Answer",{"name":116,"@type":111,"acceptedAnswer":117},"How was the data collected and analyzed?",{"text":118,"@type":114},"Data were collected from 150 elderly/senior citizen e-money users using purposive sampling and analyzed with the SEM-PLS technique.",{"name":120,"@type":111,"acceptedAnswer":121},"What is the main mediation finding regarding reuse intention?",{"text":122,"@type":114},"Tri Kaya Parisudha–based attitude can mediate the influence of perceived risk and subjective norms on the intention to reuse e-money in elderly users in Denpasar.","https://schema.org",{"og:url":83,"og:type":125,"og:title":65,"og:site_name":95,"og:description":67},"article",{"robots":127,"canonical":83},"index,follow",{"doc_id":129,"site_id":62},228652,1789027943,{"code":4,"msg":5,"data":132},{"doc_id":129,"user_id":133,"nickname":92,"user_avatar":134,"doc_module":4,"category_id":39,"category_name":40,"doc_title":65,"doc_description":67,"doc_content":135,"file_id":136,"file_url":137,"file_type":138,"file_size":139,"view_count":105,"is_deleted":4,"is_public":8,"is_downloadable":8,"audit_status":8,"page_count":52,"language":140,"language_code":63,"site_id":62,"html_lang":63,"table_of_contents":141,"faqs":142,"seo_title":143,"seo_description":67,"update_tm":130,"read_time":144,"preview_page_count":4},2336474466712,"https://ap-avatar.wpscdn.com/davatar_a8503ba1806abce46bf441b54a3ca4cd","Contents lists available at GrowingScience  \nInternational Journal of Data and Network Science  \n[homepage: www.GrowingScience.com/ijds](homepage: www.GrowingScience.com/ijds)  \nAttitude based on Tri Kaya Parisudha in increasing intention to reuse e-money  \nNyoman Dwika Ayu Amritaa*, I Wayan Gede Suparthaa, I Gst. Ayu Kt. Giantaria and Ni Wayan Ekawatia  \naFaculty Economics and Business, Udayana University, Bali, Indonesia   \nC H R O N I C L E A B S T R A C T  \n\n| Article history:\u003Cbr>Received: May 15, 2022\u003Cbr>Received in revised format: June 28, 2022\u003Cbr>Accepted: July 22, 2022\u003Cbr>Available online: July 22 2022 | The purpose of the study is to explain the effect of perceived risk and subjective norm to the attitude based on Tri Kaya Parisudha and reuse intentions, attitude to reuse, and role attitude in mediating the effect on perceived risk and norm subjective to reuse intention from the use of e-money in the elderly. Quantitative approach is conducted for this study. The subject is the elderly/senior citizen who uses e-money, with a sample of 150 respondents. Purposive sampling is used as a method of sampling determination with the SEM-PLS technique. The result of this study are attitude based on Tri Kaya Parisudha capable mediate influence perception risk and norm subjective to reuse intention, also this study found the attitudes based on Tri Kaya Parisudha turned out to be able to mediate the effect of risk perception and also the influence of subjective norms on the intention to reuse emoney in the elderly in the city of Denpasar and the elderly who, even though they are elderly, still use e-money to meet their needs.\u003Cbr>© 2022 by the authors; licensee Growing Science, Canada. |\n| --- | --- |\n| Keywords:\u003Cbr>E-Money Perception Risk Subjective Norm Attitude\u003Cbr>Tri Kaya Parisudha |  |\n\n1. Introduction  \nDevelopment of technology, information and communication bring big changes in the way of living. Banks have various innovations through modern technology for better services. The public has realized that transactions are not physical like papers or metals but use e-money or electronic money (Adiyanti, 2015) . Electronic money is divided into two types. First, chip-based electronic money, which is generally in the form of cards, such as Brizzi, Flazz, T-Cash, and JakCard. The second type is server-based electronic money such as OVO, and GoPay. Although the use of non-cash instruments in the form of electronic money is increasing, in general, the use of cash still dominates payment transactions in Indonesia. The change in people's attitudes on the other hand, which initially did not know and tended to be apathetic towards the use of electronic money and became very enthusiastic, even resulted in a fairly high increase in the number of electronic money transactions, indicating that the use of electronic money is quite attractive. In making decisions, especially regarding the use of technology applications, consumers will consider internal and external factors. Risk perception is an internal factor of consumers regarding their self-assessment of the risks of using the technology application. Especially threats in terms of authentication or verification of who enters the electronic money system because this is often used by hackers to hack the accounts of users of electronic money applications (Nguyen & Huynh, 2018) . Users are also worried if an error occurs in the electronic money application which causes the transaction to be delayed or cancelled so that it can reduce their re-use intention to use electronic money (Rahman, 2014) . One of the local Balinese cultures that are closely related to shaping the individual attitudes of the people in Bali is an attitude based on the concept of local wisdom, namely Tri Kaya Parisudha. Most of the existing research on individual attitudes, including those related to reuse intentions, still focuses on the use of western behavioral values and ignores aspects of local wisdom in explaining ind","cbCaiccvXnqNy7eT","https://ap.wps.com/l/cbCaiccvXnqNy7eT","pdf",321946,"English","# Introduction\n## Technology adoption and e-money usage\n## Risk perception and subjective norms\n## Role of Tri Kaya Parisudha in shaping attitudes","[{\"question\":\"What variables are analyzed in the study about e-money reuse?\",\"answer\":\"The study analyzes perceived risk and subjective norm as factors influencing Tri Kaya Parisudha–based attitude, and then examines how that attitude affects reuse intention and related role attitudes among elderly users.\"},{\"question\":\"How was the data collected and analyzed?\",\"answer\":\"Data were collected from 150 elderly/senior citizen e-money users using purposive sampling and analyzed with the SEM-PLS technique.\"},{\"question\":\"What is the main mediation finding regarding reuse intention?\",\"answer\":\"Tri Kaya Parisudha–based attitude can mediate the influence of perceived risk and subjective norms on the intention to reuse e-money in elderly users in Denpasar.\"}]","Attitude based on Tri Kaya Parisudha in increasing intention to reuse e-money | PDF",25]