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Determinants of e-wallet acceptance among west Malaysian low-income group: attitude as a mediating role / Rohaiza Kamis

The popularity of electronic wallets (e-wallets) aligns with the global trend of cashless payment solutions, attracting significant attention due to their potential to enhance individual well-being and foster business growth. However, e-wallet acceptance, especially among the Malaysian low-income gr...

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Main Author: Kamis, Rohaiza
Format: Thesis
Language:English
Published: 2024
Subjects:
Electronic commerce
Online Access:https://ir.uitm.edu.my/id/eprint/102200/1/102200.pdf
https://ir.uitm.edu.my/id/eprint/102200/
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spelling my.uitm.ir.1022002024-10-17T07:44:44Z https://ir.uitm.edu.my/id/eprint/102200/ Determinants of e-wallet acceptance among west Malaysian low-income group: attitude as a mediating role / Rohaiza Kamis Kamis, Rohaiza Electronic commerce The popularity of electronic wallets (e-wallets) aligns with the global trend of cashless payment solutions, attracting significant attention due to their potential to enhance individual well-being and foster business growth. However, e-wallet acceptance, especially among the Malaysian low-income group, remains relatively low despite a variety of government initiatives and programmes underway to promote the use of electronic wallets. Therefore, this study aims to examine the determinants of e-wallet acceptance among the low-income West Malaysian population. Drawing on Technology Acceptance Model (TAM) and a review of previous studies, an integrated conceptual framework was developed. This framework comprises one (1) dependent variable (e-wallet acceptance), five (5) independent variables (perceived ease of use, security, government intervention, social influence, trust), with attitude serving as a mediator. Data were collected from 265 low-income earners in West Malaysia through a web-based self-administered survey. Eligible respondents possessed e-wallet experience and a household monthly income of less than RM4,850. Prior to the main data collection, a pilot survey was conducted to test the instrument's final version, and the scale reliability was assessed using the coëfficiënt alpha (a), item-to-total correlation, and exploratory factor analysis (EFA). Bef ore proceeding to the measurement model, a normality test, and a common method variance (CMV) test were performed. For data analysis, partial least square equation structural modelling (PLSSEM) was applied. The findings revealed a positive relationship between perceived ease of use (PEOU), trust (TR), and attitude (ATT) towards e-wallet acceptance (eWA). In addition, it was proven the role of attitude (ATT) as a mediator for perceived ease of use (PEOU), social influence (SI), and trust (TR) with e-wallets acceptance (eWA); but not for security (SC) and government intervention (GI). In contrast, security (SC), government intervention (GI), and social influence (SI) portrays to have no significant towards e-wallet acceptance. The study offers valuable insights that can encourage both e-wallet providers and regulators to improve the quality of e-wallet services. Acknowledging the existence of certain limitations, this study suggests future research endeavours consider the provided suggestions to further enrich our understanding of this domain. 2024 Thesis NonPeerReviewed text en https://ir.uitm.edu.my/id/eprint/102200/1/102200.pdf Determinants of e-wallet acceptance among west Malaysian low-income group: attitude as a mediating role / Rohaiza Kamis. (2024) PhD thesis, thesis, Universiti Teknologi MARA. <http://terminalib.uitm.edu.my/102200.pdf>
institution Universiti Teknologi Mara
building Tun Abdul Razak Library
collection Institutional Repository
continent Asia
country Malaysia
content_provider Universiti Teknologi Mara
content_source UiTM Institutional Repository
url_provider http://ir.uitm.edu.my/
language English
topic Electronic commerce
spellingShingle Electronic commerce
Kamis, Rohaiza
Determinants of e-wallet acceptance among west Malaysian low-income group: attitude as a mediating role / Rohaiza Kamis
description The popularity of electronic wallets (e-wallets) aligns with the global trend of cashless payment solutions, attracting significant attention due to their potential to enhance individual well-being and foster business growth. However, e-wallet acceptance, especially among the Malaysian low-income group, remains relatively low despite a variety of government initiatives and programmes underway to promote the use of electronic wallets. Therefore, this study aims to examine the determinants of e-wallet acceptance among the low-income West Malaysian population. Drawing on Technology Acceptance Model (TAM) and a review of previous studies, an integrated conceptual framework was developed. This framework comprises one (1) dependent variable (e-wallet acceptance), five (5) independent variables (perceived ease of use, security, government intervention, social influence, trust), with attitude serving as a mediator. Data were collected from 265 low-income earners in West Malaysia through a web-based self-administered survey. Eligible respondents possessed e-wallet experience and a household monthly income of less than RM4,850. Prior to the main data collection, a pilot survey was conducted to test the instrument's final version, and the scale reliability was assessed using the coëfficiënt alpha (a), item-to-total correlation, and exploratory factor analysis (EFA). Bef ore proceeding to the measurement model, a normality test, and a common method variance (CMV) test were performed. For data analysis, partial least square equation structural modelling (PLSSEM) was applied. The findings revealed a positive relationship between perceived ease of use (PEOU), trust (TR), and attitude (ATT) towards e-wallet acceptance (eWA). In addition, it was proven the role of attitude (ATT) as a mediator for perceived ease of use (PEOU), social influence (SI), and trust (TR) with e-wallets acceptance (eWA); but not for security (SC) and government intervention (GI). In contrast, security (SC), government intervention (GI), and social influence (SI) portrays to have no significant towards e-wallet acceptance. The study offers valuable insights that can encourage both e-wallet providers and regulators to improve the quality of e-wallet services. Acknowledging the existence of certain limitations, this study suggests future research endeavours consider the provided suggestions to further enrich our understanding of this domain.
format Thesis
author Kamis, Rohaiza
author_facet Kamis, Rohaiza
author_sort Kamis, Rohaiza
title Determinants of e-wallet acceptance among west Malaysian low-income group: attitude as a mediating role / Rohaiza Kamis
title_short Determinants of e-wallet acceptance among west Malaysian low-income group: attitude as a mediating role / Rohaiza Kamis
title_full Determinants of e-wallet acceptance among west Malaysian low-income group: attitude as a mediating role / Rohaiza Kamis
title_fullStr Determinants of e-wallet acceptance among west Malaysian low-income group: attitude as a mediating role / Rohaiza Kamis
title_full_unstemmed Determinants of e-wallet acceptance among west Malaysian low-income group: attitude as a mediating role / Rohaiza Kamis
title_sort determinants of e-wallet acceptance among west malaysian low-income group: attitude as a mediating role / rohaiza kamis
publishDate 2024
url https://ir.uitm.edu.my/id/eprint/102200/1/102200.pdf
https://ir.uitm.edu.my/id/eprint/102200/
_version_ 1814058457446219776
score 13.222552

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