Factors affecting the adoption of e-wallets to enter cashless society: An integration approach

Q1 Social Sciences International Journal of Data and Network Science Pub Date : 2023-01-01 DOI:10.5267/j.ijdns.2023.7.007

N. Hashim, T. Chan, Panfeng Li

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Abstract

The Malaysian government actively encourages the development of e-wallets in Malaysia and set a goal to enter a cashless society by 2050. However, the mobile technology that has swept the world does not seem to be developing smoothly in Malaysia. The objective of the study is to investigate the determinants that impact the user behavior of Malaysians in adopting e-wallets and proposes integration theoretical models, namely UTAUT 2, Diffusion of Innovation, and self-efficacy to support the study. Data were collected among 253 Malaysian e-wallet users in the Federal State of Kuala Lumpur. The survey (online questionnaire) was distributed to respondents via QR codes and links as data collection. The PLS-SEM was utilized to test hypothetical relationships. The findings of the study demonstrated that compatibility, hedonic motivation, habits, and self-efficacy have a significant relationship with the user behavior of e-wallets. Self-efficacy was found to be the strongest predictor in influencing the use behavior of e-wallets. Conclusion, implications, and suggestions for future study were also discussed.

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影响电子钱包进入无现金社会的因素:一种整合方法

马来西亚政府积极鼓励电子钱包在马来西亚的发展，并制定了到2050年进入无现金社会的目标。然而，席卷全球的移动技术在马来西亚的发展似乎并不顺利。本研究的目的是调查影响马来西亚人使用电子钱包的用户行为的决定因素，并提出整合理论模型，即UTAUT 2，创新扩散和自我效能来支持研究。数据是在吉隆坡联邦州的253名马来西亚电子钱包用户中收集的。调查(在线问卷)通过二维码和链接分发给受访者作为数据收集。PLS-SEM被用来检验假设的关系。研究结果表明，兼容性、享乐动机、习惯和自我效能感与电子钱包的用户行为有显著的关系。自我效能感是影响电子钱包使用行为的最强预测因子。结论、意义及对未来研究的建议。

本文章由计算机程序翻译，如有差异，请以英文原文为准。

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