The purpose of this study was to determine the effect of utilitarian value and service quality on customer satisfaction to increase repurchase. The population in this study were SMEs consumers and the sampling technique used was non-probability sampling, while the non-probability sampling technique used was purposive sampling. The number of samples in this study were 128 respondents. The instrument used to obtain data was by using a questionnaire. The research method was quantitative, the data obtained were based on answers from respondents to the questionnaire, analyzed by statistical techniques of multiple linear regression analysis, the regression model was tested with classical assumptions in order to meet the requirements and was feasible to use to predict the effect of independent variables on the dependent variable. The results of the regression calculations were tested by t-test and coefficient of determination, while the results of mediation calculations were tested by path analysis and Sobel tests with the help of the SPSS for Windows version 25.0 program. After analyzing the data, the following results and conclusions were obtained: (1) Utilitarian Value has a positive and significant effect on Customer Satisfaction (2) Service Quality has a positive and significant effect on Customer Satisfaction (3) Utilitarian Value has no effect on Repurchase Intention (4) Service Quality has no positive and significant effect on Repurchase Intention, (5) Customer Satisfaction has a positive and significant effect on Repurchase Intention,(6) Utilitarian Value through Customer Satisfaction has a significant effect on Repurchase Intention. (7) Service Quality through Customer Satisfaction has a significant effect to Repurchase Intention.

This study integrates the Technology Acceptance Model (TAM) with the Theory of Planned Behavior (TPB) to analyze consumers' decisions to use a Shariah-based e-wallet in Indonesia. With convenience sampling, a hundred samples were calculated by using SEM-PLS analysis. It found that only perceived trust and intention influenced consumers' decisions to use a Shariah-based e-wallet, while perceived ease of use, usefulness, enjoyment, attitude, subjective norm, and perceived behavioral control did not. Perceived ease of use and usefulness influenced consumers' intentions but not the decision to use Sharia-based e-wallets. Thus, intention does not necessarily describe actual behavior. Consumers feel that the Sharia-based e-wallet is not as easy and useful as other e-wallets they mostly use, like Go-pay, Shopee-pay, and OVO. Other implications and some recommendations are discussed further in this study.