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Abstract
This study aims to investigate the determinants of intention to use e-wallets. Drawing on the technology acceptance model (TAM), the conceptual framework was developed. The study extends the TAM in the context of e-wallets, by testing the influences of product-related factors namely perceived compatibility, perceived risk, and perceived emotions and investigating the moderating impacts of personal innovativeness and propensity to trust. To conduct an empirical study, the data were collected from Malaysian individuals with no experience with e-wallets using an online survey. Data from 374 participants were obtained and analyzed using the partial least squares technique. The results showed that perceived usefulness, perceived ease of use, perceived risk, and perceived emotions significantly influence intention to adopt e-wallet. Although personal innovativeness negatively moderates the effect of perceived compatibility on intention to adopt, it moderates positively the influence of perceived emotion. Propensity to trust moderates positively the impacts of perceived usefulness and perceived ease of use and moderates negatively the influence of compatibility on intention to use e-wallets. The study extends the literature by extending the TAM in the e-wallet context and testing the moderating effect of personal innovativeness and propensity to trust. The findings enable e-wallet service providers, marketers, and policymakers to consider target market and personal-related factors in developing an e-wallet platform and promoting its usage.
Disclosure statement
No potential conflict of interest was reported by the author(s).
Additional information
Notes on contributors
Madugoda Gunaratnege Senali
Madugoda Gunaratnege Senali is a research assistant at the School of Business and Law, Edith Cowan University. Her research interests include digital marketing and technology management.
Mohammad Iranmanesh
Mohammad Iranmanesh is a senior lecturer affiliated with the School of Business and Law, Edith Cowan University. His research interests are the interface of Information Systems (IS) and Sustainability. He has published more than 100 articles in a range of leading academic journals.
Fatin Nadzirah Ismail
Fatin Nadzirah Ismail is a graduate student at the Graduate School of Business, Universiti Sains Malaysia. Her research interests include technology adoption and digital marketing.
Noor Fareen Abdul Rahim
Noor Fareen Abdul Rahim is a senior lecturer at the Graduate School of Business, Universiti Sains Malaysia. Her research interests include technology management and human resource management.
Mana Khoshkam
Mana Khoshkam is a senior lecturer at the Management Department, Islamic Azad University. Her research interests include technology management and tourism planning and development.
Maryam Mirzaei
Maryam Mirzaei is an assistant professor at the Faculty of Business & Economics, German University of Technology in Oman. Her research interests include digital transformation and behavioural finance.