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
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id	my-uitm-ir.102200
record_format	uketd_dc
spelling	my-uitm-ir.1022002024-10-17T07:44:44Z Determinants of e-wallet acceptance among west Malaysian low-income group: attitude as a mediating role / Rohaiza Kamis 2024 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 https://ir.uitm.edu.my/id/eprint/102200/ https://ir.uitm.edu.my/id/eprint/102200/1/102200.pdf text en public phd doctoral Universiti Teknologi MARA Faculty of Business and Management
institution	Universiti Teknologi MARA
collection	UiTM Institutional Repository
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
qualification_name	Doctor of Philosophy (PhD.)
qualification_level	Doctorate
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
granting_institution	Universiti Teknologi MARA
granting_department	Faculty of Business and Management
publishDate	2024
url	https://ir.uitm.edu.my/id/eprint/102200/1/102200.pdf
_version_	1818588035487367168

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

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