Determinants of Intention to Use e-Wallet: Personal Innovativeness and Propensity to Trust as Moderators

Senali, Madugoda Gunaratnege; Iranmanesh, Mohammad; Ismail, Fatin Nadzirah; Rahim, Noor Fareen Abdul; Khoshkam, Mana; Mirzaei, Maryam

doi:10.1080/10447318.2022.2076309

Cited by 59 publications

(33 citation statements)

References 113 publications

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“…This will help them in getting an edge over other payment mode. Further, contrary to the findings of previous studies (Patil, 2020; Senali et al, 2022 ), results suggested no positive association between ease of effort and intention. The probable reasons for the contrary findings could be because almost every service provider is emphasising on making e-payment modes convenient for their users.…”

Section: Discussioncontrasting

confidence: 99%

Mobile wallet adoption intention amid COVID-19 pandemic outbreak: A novel conceptual framework

Kapoor

Sindwani

Goel

et al. 2022

Computers & Industrial Engineering

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Section: Discussioncontrasting

confidence: 99%

Mobile wallet adoption intention amid COVID-19 pandemic outbreak: A novel conceptual framework

Kapoor

Sindwani

Goel

et al. 2022

Computers & Industrial Engineering

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“…Model. Technology acceptance model (TAM), introduced by [32], is the most well-known employed theoretical model in information technology literature [6,33]. TAM was built on a well-known theoretical principle, the TAM, predicting users' adoption and usage of technology.…”

Section: Technology Acceptancementioning

confidence: 99%

“…With the availability of numerous mobile applications, consumers are encouraged to move beyond traditional transactions, embracing electronic payment such as the transition from physical cash to online payment such as electronic wallet (e-wallet), also known as a digital wallet [2][3][4][5]. e-wallet is considered a mobile application, which is installed on users' mobile phones, enabling users to store money or link with bank accounts, conducting financial activities without bringing cash or credit card [6,7]. For instance, while using e-wallet applications, the payment can be processed by scanning a quick response (QR) code [8].…”

Section: Introductionmentioning

confidence: 99%

“…Yet, according to the 2019 Nielsen report, although 88% of Malaysians are familiar with e-wallets, only 10% of Malaysians use them as a payment method. Thus, the adoption rate of e-wallets kept low in Malaysia [6]. Accordingly, this research is aimed at investigating the predictors of consumers' intention to use the Alipay e-wallet system in an emerging market and moderating role of perceived trust and perceived service quality on this relationship.…”

Section: Introductionmentioning

confidence: 99%

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Moderating Role of Perceived Trust and Perceived Service Quality on Consumers’ Use Behavior of Alipay e-wallet System: The Perspectives of Technology Acceptance Model and Theory of Planned Behavior

Tian

Chan

Suki

et al. 2023

Human Behavior and Emerging Technologies

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The advancement of e-wallet systems, including Alipay, has led consumers to embrace digital payment with financial technologies. Yet, limited research focused on the usage of e-wallets in the context of emerging economies. This research is aimed at investigating the predictors of consumers’ use behavior of the Alipay e-wallet system in an emerging market and moderating role of perceived trust and perceived service quality on this relationship. The technology acceptance model (TAM) and the theory of planned behavior (TPB) were applied as the guiding principle. Data gathered via online surveys among 378 Malaysian Alipay users were analyzed using the partial least square-structural equation modeling (PLS-SEM) approach. The results reveal that all hypotheses were significant towards consumers’ intention to use Alipay in an emerging market except for the moderating role of perceived trust. Perceived usefulness was the strongest predictor factor towards consumers’ intention to use Alipay in an emerging market. This is followed by perceived ease of use. They heavily emphasize the superiorities of Alipay over other e-wallet systems such as efficiency and convenience for conducting financial activities. This study contributes to the existing literature by proposing a comprehensive integrated research model. The research outcome can serve as a guideline for service providers towards enhancing consumers’ adoption of e-wallets for digital payment with financial technologies.

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“…Trust is vital for the adoption of new technologies (Kumari & Devi, 2022;Vinitha & Vasantha, 2017), including e-wallets (Do & Do, 2020;Latupeirissa et al, 2020;Senali et al, 2022;Yang et al, 2021), mobile payment systems (Lisana, 2021), mobile money applications (Hariguna et al, 2020), blockchain technology (Kumari & Devi, 2022), and mobile money systems (Al-Saedi et al, 2020;Lisana, 2021;Mew & Millan, 2021). As consumers will not use a payment system unless they can trust it, suppliers must take proactive measures to reduce consumer mistrust of electronic transactions.…”

Section: Trust (Tr)mentioning

confidence: 99%

Go Cashless: A Proposed Conceptual Framework for e-Wallet Acceptance

Kamis¹,

Ismail²,

Rahman³

2022

IJARBSS

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Developments in digital finance help vulnerable communities access financial services, particularly in developing countries. Financial technology offers advancements to the financial industry and consumers that make their transactions less complex and more convenient. E-wallet is a great platform that will positively impact the economy and social fabric of the nation in pursuit of the government's aspirations of transforming into a cashless society, contactless payment, and digital economy. It was proven that Malaysia's emergence of financial technology has contributed to increasing improvement in Malaysia's technology productivity. In the context of the study, the level of consumer acceptance of e-wallets especially among the lower-income group in Malaysia is still low in contrast with the potential benefit of technology. If this issue persists, the country's aspiration to become a cashless nation by 2050 and to be a regional leader in the digital economy by 2025 is hard to be achieved. Since the literature examining the determinants of e-wallet acceptance among Malaysians is relatively scarce, therefore, this study aims to fill the gap without omitting the community. Thus, this study seeks to subsidize the pertinent past literature and establish a conceptual framework that determines e-wallet acceptance and further amplifies the methodology that will be used in this study. This framework is based on Technology Acceptance Model as underpinning theory and the past studies using systematic literature review with the timeline between 2017 and 2021. Findings of these activities reveal that various variables have been compiled as a component in the proposed framework which are perceived usefulness, perceived ease of use, security, trust, attitude as a mediator, and ewallet acceptance. This framework can serve as a theoretical basis for future research and practice.

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Determinants of Intention to Use e-Wallet: Personal Innovativeness and Propensity to Trust as Moderators

Cited by 59 publications

References 113 publications

Mobile wallet adoption intention amid COVID-19 pandemic outbreak: A novel conceptual framework

Mobile wallet adoption intention amid COVID-19 pandemic outbreak: A novel conceptual framework

Moderating Role of Perceived Trust and Perceived Service Quality on Consumers’ Use Behavior of Alipay e-wallet System: The Perspectives of Technology Acceptance Model and Theory of Planned Behavior

Go Cashless: A Proposed Conceptual Framework for e-Wallet Acceptance

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