文章基本信息

标题：Cashless Transactions: A Study on Intention and Adoption of e-Wallets
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作者：Marvello Yang ; Abdullah Al Mamun ; Muhammad Mohiuddin 等
期刊名称：Sustainability
印刷版ISSN：2071-1050
出版年度：2021
卷号：13
期号：2
页码：831
DOI：10.3390/su13020831
语种：English
出版社：MDPI, Open Access Journal
摘要：This study explored the effect of perceived usefulness, perceived ease of use, social influence, facilitating condition, lifestyle compatibility, and perceived trust on both the intention to use an e-wallet and the adoption of an e-wallet among adults by using the unified theory of acceptance and use of technology (UTAUT). This quantitative study adopted a cross-sectional research design to gather data from 501 respondents using a Google Form. The collected data were analyzed using partial least square structural equation modelling (PLS-SEM). As a result, perceived usefulness, perceived ease of use, social influence, lifestyle compatibility, and perceived trust displayed a significant positive effect on both intentions to use an e-wallet and adoption of an e-wallet. This study evidenced the mediating effect of the intention to use an e-wallet on the correlations between the predictors and adoption of an e-wallet. Both the age and gender of the respondents moderated the effect of lifestyle compatibility on intention to use an e-wallet. The study outcomes serve to inform managers and policy makers to devise effective strategies that capture consumers’ intention to use and experience of using an e-wallet in the midst of a turbulent market. Ultimately, such carefully sculpted policies may promote the digital platform and web-based application, apart from encouraging higher rates of e-wallet adoption in developing countries.