Factors influencing the intention to use e-wallet among generation Z and millennials in the Philippines: An extended technology acceptance model (TAM) approach

IF 4.6 Q2 MATERIALS SCIENCE, BIOMATERIALS ACS Applied Bio Materials Pub Date : 2024-10-01 DOI:10.1016/j.actpsy.2024.104526

Zachariah John A. Belmonte , Yogi Tri Prasetyo , Maela Madel L. Cahigas , Reny Nadlifatin , Ma. Janice J. Gumasing

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Abstract

The use of E-wallets in the Philippines experienced remarkable growth in recent years. This study investigated the key factors influencing the intention to use E-wallets among Generation Z and Millennials in the country, employing an extended Technology Acceptance Model (TAM) framework. A total of 500 respondents from these demographic groups participated in an online survey featuring 24 indicators, selected through a stratified sampling method. Using Partial Least Square - Structural Equation Modeling (PLS-SEM), the analysis revealed that perceived ease of use, perceived usefulness, social influence, attractiveness of alternatives, perceived trust, perceived security, and perceived value significantly influenced users' intention to adopt E-wallets. Notably, perceived trust emerged as a stronger predictor than perceived value. This research provided valuable insights into the factors shaping user intentions and consumer satisfaction, enhancing the understanding of E-wallet adoption in the industry. Furthermore, the incorporation of the extended TAM strengthened the theoretical framework for studying E-wallet adoption in developing countries like the Philippines.

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影响菲律宾 Z 世代和千禧一代使用电子钱包意向的因素：扩展的技术接受模型（TAM）方法

近年来，菲律宾的电子钱包使用率显著增长。本研究采用扩展的技术接受模型（TAM）框架，调查了影响菲律宾Z世代和千禧一代使用电子钱包意向的关键因素。共有 500 名来自这些人口群体的受访者参与了在线调查，调查通过分层抽样法选出了 24 项指标。利用偏最小平方结构方程模型（PLS-SEM）进行的分析表明，易用性感知、有用性感知、社会影响、替代品吸引力、信任感感知、安全性感知和价值感知对用户采用电子钱包的意向有显著影响。值得注意的是，"信任感 "比 "价值感 "的预测作用更大。这项研究对影响用户意向和消费者满意度的因素提供了宝贵的见解，加深了人们对电子钱包在行业中应用情况的了解。此外，扩展的 TAM 的加入加强了研究菲律宾等发展中国家电子钱包应用的理论框架。

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