Penelitian ini bertujuan untuk menguji Pengaruh: (1) Pengalaman (2) Persepsi Kegunaan (3) Persepsi Kemudahan (4) Sikap (5) Persepsi Risiko (6) Niat Menggunakan E-Wallet pada Mahasiswa Universitas Borneo Tarakan. Penelitian ini menggunakan metode survei dan teknik pengambilan sampel menggunakan purposive sampling dengan jumlah responden sebanyak
230. Teknik pengumpulan data menggunakan kuesioner. Penelitian ini menggunakan teknik analisis SEM (Structural Equation Modeling) yang dioperasikan menggunakan software PLS versi 4.0. Hasil penelitian ini menunjukkan bahwa (1) Pengalaman berpengaruh positif terhadap persepsi kegunaan (2) Pengalaman berpengaruh positif terhadap persepsi kemudahan
(3) Persepsi kegunaan berpengaruh positif terhadap sikap (4) Persepsi kemudahan berpengaruh positif terhadap sikap (5) Persepsi kemudahan berpengaruh positif terhadap niat menggunakan e-wallet (6) Sikap berpengaruh positif terhadap niat menggunakan e-wallet (7) Persepsi risiko berpengaruh positif terhadap niat menggunakan e-wallet.
Kata Kunci : Pengalaman, Persepsi Kegunaan, Persepsi Kemudahan, Sikap, Persepsi Risiko, Niat.

This study to examine the influence of (1) Experience, (2) Perception of Usefulness, (3) Perception of Convenience, (4) Attitude, (5) Perception of Risk, and (6) Intention to use e- wallets on students at the Borneo Tarakan University. This study uses survey methods and purposive sampling techniques with a total of 230 respondents. The data collection technique used a questionnaire. This study uses SEM analysis techniques (Structural Equation Modeling), which is operated using software PLS version 4.0. The study results indicated that (1) Experience has a positive effect on perceived usefulness, (2) Experience has a positive effect on perceived convenience, (3) Perception of usefulness has a positive effect on attitudes, (4) Perception of convenience has a positive effect on attitudes, (5) Perception of convenience has a positive effect on intention to use e-wallet, (6) Attitude has a positive effect on intention to use e-wallet, (7) Perception of risk has a positive effect on intention to use e-wallet. Keywords: Experience, Perception of Usability, Perception of Convenience, Attitude, Risk Perception, Intention.