This study aims to examine the factor influencing the continuance usage intention of e-wallet among Northern Polytechnics students in Malaysia. [61] studied the drivers of consumers to participate in mobile commerce by examining three . The influential factors consist of perceived usefulness, perceived ease of use, perceived trust, social influence, PDF View 1 excerpt, cites background References SHOWING 1-10 OF 78 REFERENCES SORT BY COVID-19 and e-wallet usage intention: A multigroup analysis between Indonesia and Malaysia Based on the responses on the e-wallet usage status, Touch n' Go e-wallet was found to be the most popular e-wallet with nearly 29.4% reporting using it. The purpose of this paper is to identify the factors affecting user acceptance for NFC mobile wallets in both Korean and US markets.,The proposed model extends the UTAUT2 model with new constructs of credibility (CR) and service smartness (SS). 1. In Malaysia, the newest e-wallet system is Alipay. The framework will extend the Unified Theory of Acceptance and Useful Technology (UTAUT) model by incorporating with other variables in order to determine the factors that influence the intention of e-wallet adoption among the consumers from the respective countries: Malaysia and Thailand. full benefits of e-government services can only be obtained when the majority of the people get access to the Internet and electronic service channels and fully engage the participation of people[7]. be significant on behavioral intention and determine one of the strongest factors to predict intention to use particular system. Consumer acceptance of electronic commerce: Integrating trust and risk with the . In Japan, every electronic wallet system - such as Suica/Pasmo, EDY, nanaco or WAON - uses Sony's Felica contactless technology. E-wallet helps to ease the user's daily life, in which users can make their daily transactions without using the notes or coins. Instead, many researchers were One recent analysis found that 463 U.S. counties now have high rates of new infectionat least 100 new cases per 100,000 residents in the past week, which is over five times the overall U.S . Indirectly, E-wallet also helps to reduce the risk of cash being stolen. Methods of data collection using a questionnaire distributed to 200 respondents who have made payments using e-wallet and are domiciled in Jakarta. Computers in Human Behavior, 25, 1343--1354. . P. A. acceptance model (TAM). It is important to note that, especially for non-users, it is the perception of ease of use rather than actual system characteristics which underlie this construct ( Venkatesh and Davis 1996 ). Pavlou, et al. . believed to be the basis for determining the technology acceptance model (TAM) (Davis et al., 1989). Out of the surveyed respondents 81.2 percent were using the e- wallet. Abstract. The five factors which are selected for the study are perceived usefulness, perceived ease of use, security/privacy confidence, social influence and trustworthiness. In this study, the research is based on data collected through electronic questionnaires which were filled by 384 respondents who belong to service class of Bangkok, Thailand. 1.4 User Acceptance of Electronic Payment System A well-known approach to explain user acceptance is the Technology Acceptance Model (TAM), (Davis, 1989). The research has derived four major areas: Perceived service quality, perceived satisfaction,. Using the self-administrated questionnaires, data from 100 respondents were collected and analyzed using SPSS. E-Wallet is an application that facilitates users to make a payment via a mobile device instead of cash. Social influence. e-wallet users are increasing slowly. Factors such as Overall, the acceptance of eHealth pain management interventions was moderate to high. "Determining Factors in the Adoption and Recommendation of Mobile Wallet Services in India: Analysis of the Effect of . Local e-wallet . The resultant factors mirrored the technology acceptance. In this study, the Technology Acceptance Model (TAM) is used to determine the factors related to the user's intent to use the cashless wallets. Past researches have focused on technology innovation in education such as e-learning, Learning Management Systems and online applications. (2003). found to be an important factor in the acceptance of technology for education (Abbad et al., 2010; Ngai et al., 2007 . [12] found . . [19] stated that UTAUT offers an opportunity to identify the multiple factors that determine user acceptance of a new technology. The main findings include the notion that a factor can have a different impact on customer satisfaction and efficiency depending on which other factors it is combined with. The adaptive shopper is an adaptation behavior of the people to meet needs and wants through online shopping. From a practical point of view, identifying the factors that Revealing the behavior intention of tech-savvy generation Z to use electronic wallet usage: A theory of planned behavior based measurement. . Consequently, we incorporate perceived ease of use of mobile payment services in our consumer acceptance model. Determining the key factors for customer acceptance of cryptocurrencies would let current and future market players focus on the most important features a cryptocurrency should have. Many researchers have examined the factors that contribute to the acceptance and adoption of m-payment among Saudi citizens [22]-[24]. 3.6. In a similar vein, Lim et al. H3. Technology Acceptance Model (TAM) has received great recognition through the various research conducted on determining users' acceptance of relevant technology innovation. Electronic wallet (eWallet) known as a software application that is installed on mobile phone. The purpose of this study is to examine the factors that determine intention to adopt e-learning in Jordanian universities. The increase was accompanied by a shift in the e -wallet services used. This will help them to add more attractive services based on consumers' feedback, and remove unwanted services.,The study also stressed the impact of society and family/friends on mobile wallet's usage. The purpose of this study is to develop and test an integrated model of technology acceptance to determine the Intention of consumers to use e-wallet. . This e-wallet payment system Towards an understanding of the consumer acceptance of mobile wallet. E-wallet helps to ease the user's daily life, in which users can make their daily transactions without using the notes or coins. Abstract The proposed conceptual framework in this research was developed by Venkatesh. The results indicate that perceived security, perceived ease-of-use, and social influence were the significant factors that influence or predict the intention of using e-wallets but leaving the. In this study, we will investigate consumer's intention to use e-payment. In total, 8 predictors proved to be significant predictors of acceptance. The Unified Theory Of Acceptance And Use Of Technology (UTAUT) The research model has been developed to determine the acceptance of technology information users. Introduction. The present research aims to provide important insights into the TAM (Technology Acceptance Model) and UTAUT2 (Unified Theory of Acceptance and Use of Technology) models. In the theory of acceptance model, this is referred to as perceived ease of use. SF Persada, I . The present research aims to provide important insights into the TAM (Technology Acceptance Model) and UTAUT2 (Unified Theory of Acceptance and Use of Technology) models. 2020. using e-wallet before Covid-19, it could be concluded that users use e-wallet because of the usefulness aspect. This paper aims to comprehensively investigate the technological and mental factors affecting users' adoption intentions of M-payment under the COVID-19 pandemic, to expand the domain of technology adoption under the emergency situation. Acceptance of technology for consumers is still an interesting part to be investigated to date. Factors Determining the Acceptance of E-Wallet 45. merchant acceptance. Determining factors Affecting acceptance of e-learning platforms during the COVID-19 pandemic: Integrating Extended technology Acceptance model and DeLone & Mclean is success model . To persuade Generation Z to adopt the e-wallet service, system providers not only need to increase the e-wallet's useful features but must also reduce users' anxiety about the e-wallet . This study used the four elements of Unified Theory of Acceptance and Use of Technology (UTAUT): Performance Expectancy, Effort Expectancy, Social Influence, and Facilitating Conditions to determine the impact of continuance usage of e-wallet. Moreover, the study aims to examine the acceptance of this technology within small businesses of Delhi and to know the most-widely used wallet services. As such, this present study had probed into several constructs of consumer intention to adopt e-wallet through the lens of UTAUT, so as to better comprehend consumer intention as a . Table 4 below illustrates the model fit indices achieved from the data analysis using AMOS. This model was tested using statistical tools like factor analysis and structural equation modeling. The purpose of this study is to determine the impact of QRIS (Quick Response Code Indonesian Standard) on e-wallet ease of use, which affects user satisfaction, the impact of QRIS on e-wallet usefulness, which affects user satisfaction, the impact of QRIS on e-wallet perceived compatibility, which affects user satisfaction, and the impact of QRIS on user satisfaction, which affects the . . Based on the assumptions in the model, this study proposes the following hypothesis: H7: Self-efficacy is positively related to the customers' intention to use a mobile wallet. This research aims to determine factors that cause slow E-Wallet growth in Thailand by . This paper will address the problem of determining the factors that influence employees to accept This study develops a conceptual model to determine the most significant factors influencing user's intention, perceived satisfaction and recommendation to use mobile wallet. This study aims to examine a variety of factors that influence user's acceptance and adoption of m-wallet in the context of Saudi Arabia. . This study aims to examine a variety of factors that influence user's acceptance and adoption of m-wallet in the context of Saudi Arabia. The exploratory factor analysis approach was carried out to explore factors affecting e- wallet usage and factor analysis yielded three factors namely perceived benefits and convenience, Experience Expectation and perceived risk. In the first phase, an exploratory study was executed to identify factors influencing the adoption of a new payment platform like e-wallet. The object used is the go-pay application as e-Wallet-based Electronic Money which is one of the relatively new . This study develops a conceptual model to determine the most significant factors influencing user's intention, perceived satisfaction and recommendation to use mobile wallet. E-wallet was an innovative payment instrument that arises under financial technology. Many researchers have examined the factors that contribute to the acceptance and adoption of m-payment among Saudi citizens [22]-[24]. Hence, there are tradeoffs while attempting to TAM suggests that users formulate attitudes toward the technology that depends only on perceived usefulness and perceived ease of use of Information Technology. We hypothesize that digital literacy and technology experience have effect to . This study integrated Unified Theory of Acceptance and Use of Technology (UTAUT) with perceived benefits . Moving into Cashless Society: Factors Affecting Adoption of E-wallet iii DECLARATION We hereby declare that: (1) This undergraduate research project is the end result of our own work and that due acknowledgement has been given in the references to ALL sources of information be they printed, electronic, or personal. However, Thailand's E-Wallet growth is slower, less than 0.02% per year. The purpose of this study is to determine the factors that influence the behavioral intention of using e-Wallets during the COVID-19 pandemic in DKI Jakarta uses the Unified Theory of Acceptance and Use of Technology 2 (UTAUT2) model. B. In this study, EE will be perceived as how users will find operating an eWallet as easy and simple to learn. This paper analyzes drivers and factors determining consumers' acceptance and adoption of mobile payment. Keywords: E-commerce development, Customer trust, Internet privacy Factors Influencing E-Commerce Development Implications for the Developing Countries. In the first phase, an exploratory study was executed to identify factors influencing the adoption of a new payment platform like e-wallet. and technology experience are the main determining factors in behavioral intention. This study was analyzed using partial least square structural equation modeling on data collected from 701 college students between the ages of 18 and . Utilizing Davis' Technology Acceptance Model, this study examines the factors contributing to E-Wallet's adoption among the millennial tourist in Kuala Lumpur. Two models of e-learning that are observed among adopting institutions: E-learning as a supplement . Therefore, this research aims to find the determinants of e-wallet continuance usage intention in Malaysia by enhancing the richness of technology continuance theory (TCT)with four variables, namely, price benefit, trust, habit, and operational constraints. Additionally, separate factors or the same factors in a different form influence customer satisfaction and efficiency. E-wallet is becoming a common instrument of payments, to replace the paper-based instruments to server-based electronic money. 2.2. It is suggested that the greater a user's self-efficacy, the greater the user's intention to use mobile wallet. In the first phase, an exploratory study was executed to identify factors . UTAUT 35.9% of the respondents reported having one to six months usage . An electronic wallet or e-wallet can be used by the public to make purchases and payments only through smartphones (Karim et al., 2020). Customer loyalty was evaluated to be a strong determining factor in acceptance of mobile commerce. . The research was conducted in Spain with a sample of college-educated adults with basic knowledge of the Internet. Majority of the respondents use e-wallet for transportation transaction (24.4%) and food and beverage transaction (21.4%). The objective of this study is to find out the behavior of Generation Z in using E-Wallet by applying the UTAUT (Unified Theory of Acceptance and Use of Technology) theory model. E-wallets as the object of this research are Go Pay and OVO, the mostly used applications by society during Covid 19 pandemic and are the most popular e-wallet . Factors affecting the use of ICT mainly in the field of education have also been reviewed (Moses et al., 2008; Yee et al., 2009). Perceived Usefulness Perceived usefulness (PU) refers to one's belief that using the system will improve job performance [22]. Based on the findings of this study, companies can also evaluate preferred wallet services for consumers, and factors affecting those services. UTAUT is a theory of acceptance and application of technology designed by (Venkatesh et al., 2003). According to Karim et al (2008), the perceived ease of using e-wallets has influenced young Malaysian adults. Literature Review The results showed that ease of use, service features, security, promotions, and trust simultaneously affect the decision to use e-wallet, this result can be a consideration for companies that issue e-wallet to be able to reach more consumers by paying attention to the following factors that influence consumer decisions in choosing the use of e . One of the factors considered in using an e-wallet is the ease with which users feel when using an e-wallet. According to The Nielson Company (2019), there were 27% of the . (e-wallet) is getting tougher. The model illustrates how the five basic factors of a unified theory of acceptance and use of technology (UTAUT) model illustrate participant's intention to use mobile banking. investigating the potential influence of the covid-19 pandemic on the use of digital payments by applying the technology acceptance model (tam) and unified theory of acceptance and use of technology (utaut) reveals that age, education level, ease of use, social influence, and trust have a positive and significant influence on theuse of digital e-wallet offers small-scale transactions which is very easy to operate (Punwatkar, et al., 2018). Mun and Hwang (2003) found . Factors Affecting Intention to Use e-Wallet 2.2.1. This study explored the behavioral intention to use m-learning from the perspective of consumers by applying the extended unified theory of acceptance and use of technology (UTAUT) model with the addition of perceived enjoyment . Unified Theory of Acceptance and Use of Technology (UTAUT). The analytical method used is structural equation modeling (SEM). factors, namely perceived usefulness and perceived ease of use, in which the perceived usefulness is one of the variables used in this study. . Therefore, it is hypothesized: H2 Effort expectancy will have positive effects on the behavioral intention to adopt eWallets Social influence (SI) . E-wallet was an innovative payment instrument that arises under financial technology. The purpose of this study was to determine the factors that influence the acceptance or use of e-wallet. The research tries to understand various factors affecting the consumer's adoption of E-wallets. Thus, in this study, four factors or predictor variables will be highlighted as significant in influencing the BI, acceptance and use of this particular technology in the teaching and learning processes. The primary aim of this study is to examine . D.-H. (2009). 2. An empirical examination of factors influencing the intention to use mobile payment: Computers in Human Behavior: 420: 38.18: 3: Shin : Towards an understanding of the consumer acceptance of mobile wallet: Computers in Human Behavior: 254: 21.16: 4: Leong et al. compatibility, and perceived trust to determine consumers' intention to adopt an e-wallet, while being moderated by age, gender, and education. . Undeniably, E-wallet brings more benefits than disadvantages. Based on the findings, perceived ease of use is connected with a positive and. Undeniably, E-wallet brings more benefits than disadvantages. From a practical point of view, identifying the factors that (conceptualized as computer playfulness), and emotion (conceptualized as computer anxiety) as anchors that determine early perceptions about the ease of use of a new system . Therefore, the main objective of this study is to identify the factors contribute towards acceptance of e-wallet usage among Malaysians in Klang Valley by using U-TAUT Model by identifying the relationship among the constructs in U-TAUT Model, as well as to identify the influence of the behavioural intention to use e-wallet among Malaysian. Ryu (2018) demonstrated that end consumers' intention to use FinTech depends on two categories of factors: 1) perceived benefit and 2) perceived risk. The World's E-Wallet growth has increased dramatically since 2011. Risk, trust, social influence, and perceived usefulness are among factors that determine the adoption of the e-wallet to this generation of digital natives. which determine the acceptance of e-wallet amongst Gen Y. acceptance model) model according to which the main factors that influence the decision to adopt the new technologies are: 1) perceived ease of use and 2) perceived usefulness. The resultant factors mirrored the technology acceptance model (TAM) model with two added factors. Mobile-based payment . The purpose of this study is to develop and test an integrated model to determine the intention of consumers to use technology. In 1986 the technology acceptance model (TAM) was introduced by Davis to determine the behavior of computer usage for the first time. This study developed and empirically tested a model to predict the factors affecting students' behavioral intentions toward using mobile learning (m-learning). and Francisco J. Libana-Cabanillas. As explained earlier the achieved values have been compared against the . The proposed research model was developed by extending the unified theory of acceptance and use of technology (UTAUT) with culture and perceived security into the model, in order to determine the significance factors that influence acceptance of e-payment technology. The UTAUT model is a valuable instrument for determining acceptance as well as the factors that influence acceptance of eHealth pain management interventions among patients with chronic . However, during the Covid-19, the level of e-wallet usage has increased by around 44% which indicates an intention to use e-wallet [13]. has been updated, thus it is expected to provide clearer understanding of factors determining behavioural intention to adopt eWallet. DOI: 10.11591/IJEECS.V20.I1.PP67-74 Corpus ID: 219929456; E-wallet: factors influencing user acceptance towards cashless society in Malaysia among public universities @article{Abdullah2020EwalletFI, title={E-wallet: factors influencing user acceptance towards cashless society in Malaysia among public universities}, author={N. Abdullah and Fauziah Redzuan and Nor Aziah Daud}, journal . Originality/value: There is only a few research studies have attempted to explain the factors affecting e-payment intention with the adoption variables from Technology Acceptance Model (TAM) and Theory of Planned Behaviour (TPB). Many choices of e-wallet applications that can be used without using a card in the transaction. the Technology Acceotabce Model (TAM) model by involving affective factors namely Pleasure, Arousal, and Dominance (PAD) theory, and prior experience variables as a direct effect on . Technology acceptance model (TAM) was first introduced by Davis (1989), which is . Indirectly, E-wallet also helps to reduce the risk of cash being stolen. The availability and continued growth of Internet technologies (IT) have created great opportunities for users all over the globe to benefit from IT services and use them in a variety of different ways. This research aims to investigate the perceived usage of the Y Generations on e-wallet based on Technological Acceptance Model (TAM) which is a powerful model to describe single . The purposes of this study are to develop and test a technology acceptance model to determine the attitudes, intentions and behaviors of consumers in using e-wallet. . The 21st century teaching and learning framework has identified the relevance of the . Much previous research has established that perceived ease of use is an important factor influencing user acceptance and usage behavior of information technologies. critical factors in affecting the e-payment intention. The existence of e-wallet products has changed people's traditions in making financial transaction payments, especially in today's technology literate society (Surya & Usha, 2019).

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