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Journal articles on the topic 'Mobile Wallet; Smartphone Users; Mobile Payment'

Author: Grafiati

Published: 3 June 2025

Last updated: 31 July 2025

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1

DR.S.Manikandan and Jayakodi J.Mary. "AN EMPRICAL STUDY ON CONSUMERS ADOPTION OF MOBILE WALLET WITH SPECIAL REFERENCE TO CHENNAI CITY." INTERNATIONAL JOURNAL OF RESEARCH- GRANTHAALAYAH 5, no. 5 (2017): 107–15. https://doi.org/10.5281/zenodo.583902.

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In present world smart phones play an important role in the daily life of people. The technological advancement has made smartphone as devices were the mobile users can make money transaction or payment by using application installed in phone. The present study aims to explain the application and usage of wallet money endorsed by different companies and various factors that affect the consumer’s decision to adopt mobile wallet and various risks and challenges faced by the users of mobile wallet. A structured questionnaire was prepared and data were collected from 150 respondents and factors af

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Hirani, P., and J. Raiyani. "Investigating User Satisfaction, Risk Factors, and Challenges of Digital Wallets in the Kachchh Region." International Journal of Multidisciplinary Analytical Research (IJMAR) 9, no. 1 (2020): 1–4. https://doi.org/10.5281/zenodo.10060915.

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The contemporary era has seen smartphones evolve into an indispensable part of daily life. The integration of technology enables users to conduct financial transactions and payments via smartphone applications, effectively transforming these devices into "Digital Wallets" or "Mobile Wallets." This study investigates the factors influencing users' decisions to embrace digital wallets for online payments and explores the associated risks and challenges. A structured questionnaire was distributed among 128 smartphone users utilizing digital wallets for online transactions, categorized by gender,

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Dr. C. Lucia Vanitha, Dr. Harish. M. "A Study on Embracing of Digital Wallet by Consumers." Tuijin Jishu/Journal of Propulsion Technology 44, no. 5 (2023): 758–64. http://dx.doi.org/10.52783/tjjpt.v44.i5.2666.

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In today-world, smartphone has become essential part of daily life.Due to technology, mobile users can nowadays use their smartphones to make money transaction or payment by using applications installed in the phone.When smartphones can function as leather wallets, it is called “Digital Wallet” or widely known as “Mobile Wallet”. The present study tries to study the various factors that can affect a consumer’s decision to adopt digital wallet as a mode of online payment. Apart from this, the study also attempt to find out the various risks and challenges faced by users of digital wallet.

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Manikandan, S., and J. Mary Jayakodi. "AN EMPRICAL STUDY ON CONSUMERS ADOPTION OF MOBILE WALLET WITH SPECIAL REFERENCE TO CHENNAI CITY." International Journal of Research -GRANTHAALAYAH 5, no. 5 (2017): 107–15. http://dx.doi.org/10.29121/granthaalayah.v5.i5.2017.1843.

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In present world smart phones play an important role in the daily life of people. The technological advancement has made smartphone as devices were the mobile users can make money transaction or payment by using application installed in phone. The present study aims to explain the application and usage of wallet money endorsed by different companies and various factors that affect the consumer’s decision to adopt mobile wallet and various risks and challenges faced by the users of mobile wallet. A structured questionnaire was prepared and data were collected from 150 respondents and factors af

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Raghavendra, R., M. Niranjanamurthy, M. N. Nachappa, and K. B. Shalini. "An Emphasis of Digital Wallets for E-Commerce Transactions." Journal of Computational and Theoretical Nanoscience 16, no. 9 (2019): 3748–53. http://dx.doi.org/10.1166/jctn.2019.8244.

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Payment is one of the main parts of the business. Since from the last decade, the use of mobile devices for electronic payment has increased significantly. The current generation of individual payment systems that is replaced the traditional smart cards by mobile devices supplied with E-wallet and M-wallet functions. The spread of such E-wallet systems will depend on their security, functionality ease of use and the effectiveness of realization. E-wallet is a utility which offers users to save their money and make payments anywhere and all time. Many banks and nonbanks organizations are contes

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Saviour, F. "A Study on Customer Satisfaction of Mobile Wallet Services Provided by Paytm." International Journal of Engineering and Management Research 9, no. 1 (2019): 19–26. https://doi.org/10.31033/ijemr.9.1.2.

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In today – world, smart phone has become an essential part of one’s daily life. Mobile users can nowadays use their Smartphones to make money transactions or payments by using applications installed in the phone. There are several mobile wallets which provide these services. Mobile wallets are digital versions of traditional wallets that someone would carry in their pocket. They offer payment services through which the individuals/business can receive /send money via mobile devices. The present paper throws light upon the customer satisfaction level towards the ewallet services pro

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Vidya, B. "A Study on Customer Satisfaction towards Digital Wallets in Coimbatore City." ComFin Research 13, S1-i1-Mar (2025): 94–100. https://doi.org/10.34293/commerce.v13is1-i1-mar.8660.

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In today’s rapidly evolving world, speed and efficiency have become essential in daily life. individuals navigate increasingly demanding environments. The widespread adoption of smartphones and enhanced internet connectivity has transformed how people communicate, work, and conduct daily transactions, driven by technological advancements, has significantly transformed consumer behavior. Mobile wallets have emerged as an essential part of everyday transactions, providing a seamless and convenient payment solution. Smartphone users are increasingly adopting digital payment technologies to enhanc

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A, Nithya, Sheeba R, and Vanitha S. "A study on customer satisfaction regarding mobile wallets with a focus on google pay and Paytm in the Tiruchirappalli district." International Journal of Applied Economics, Finance and Accounting 19, no. 1 (2024): 41–49. http://dx.doi.org/10.33094/ijaefa.v19i1.1502.

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This research focuses on the study of customer satisfaction regarding mobile wallets. The modern era witnessed an enormous increase in mobile payment transactions within the mobile phone industry. Mobile phones function similarly to minicomputers, and the usage of various efforts allows individuals to engage in a multitude of activities, including but not limited to communication with others, tracking personal health and dietary habits, as well as conducting financial transactions such as making payments and receiving funds. Furthermore, after the implementation of the 'Digital India' initiati

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Garg, Kapil Mohan, and Twinkle Goyal. "An empirical study to analyse impact of demographic factors on consumer perception towards e-payments with reference to national capital region, india." Journal of Management and Science 10, no. 3 (2020): 41–46. http://dx.doi.org/10.26524/jms.10.12.

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In the present world, smartphones play an important role in the daily life of people. Technological advancement has made smartphones as devices where mobile users can make money transactions or payment by using applications installed on the smartphone. It’s no secret that people today are digital natives. In this technology-driven society, paying for a cappuccino using a pay-and-go method or buying a sweatshirt with a one-click model, has become the norm. Backing away from cash, they drive innovation in the digital payments industry. That’s the reason digital-driven payments become one of the

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Hermawan, Yanto, and Pebi Paisal Pratama. "Analisis Pengalaman Pengguna Pada Aplikasi Dompet Digital X Menggunakan User Experience Questionnaire." Jurnal Aplikasi Bisnis Kesatuan 4, no. 1 (2024): 1–8. http://dx.doi.org/10.37641/jabkes.v4i1.2529.

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Digital wallet is an application that resides on a smartphone that can be used for transactions without using money cash. Referring to a survey conducted by Global Consumer insight (PwC, 2019), “Along with the growing number of active mobile internet users in Indonesia, the number of mobile payment users has also experienced growth.” One of the factors that influence user interest in continuing to use an application is the user's perception or experience. The purpose of this research is to determine the level of user experience aspects in the current X digital wallet, as well as determine aspe

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Anwar, Resa Nurlaela, Ellena Nurfazria Handayani, and Mellani Quintania. "Mobile Wallet Adoption Model for Improving MSME Performance in Indonesia's Tourism Sector." Ekonomi Bisnis 29, no. 3 (2024): 156. https://doi.org/10.17977/um042v29i3p156-169.

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The growth of smartphone users in Indonesia, surpassing the number of active bank accounts, presents a massive opportunity for the widespread adoption of mobile payment systems. Consumers increasingly tend to transact online to reduce physical contact, encouraging MSMEs to adjust their payment methods to align with changing consumer behaviour. Adapting to current information technology trends is an essential motivator for MSME operators to implement mobile payment systems in their businesses. Despite the growing trend, many MSMEs in Indonesia still need to be connected to the digital ecosystem

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Dr Jobin Sahadevan. "Antecedents of E-wallet Usage Intention: An Empirical Study." International Journal of Engineering and Management Research 13, no. 6 (2023): 159–64. http://dx.doi.org/10.31033/ijemr.13.6.19.

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Nowadays, the importance of cashless transactions is increasing due to the advancement of technology, especially in the post-pandemic era. An e-wallet is an application that helps users make payments through a mobile device instead of cash. With the advent of e-wallets, people are shifting from using cash to cashless in the era of smartphone technology. This study aims to explore the antecedent factors affecting the intention to use e-wallets as a payment mechanism among young adults in Kerala, India. The study was conducted by following an extended Technology Acceptance Model (TAM) and a Unif

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Karim Alaaeldin Ahmed Fouad, Alaa Tarek Erakat, Karim Alaaeldin Ahmed Fouad, Alaa Tarek Erakat. "Assessing resistance to accept electronic wallets in Egypt: تقييم مقاومة قبول المحافظ الإلكترونية في مصر". مجلة العلوم الإقتصادية و الإدارية و القانونية 5, № 18 (2021): 224–04. http://dx.doi.org/10.26389/ajsrp.r150421.

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The purpose of this study is to determine the factors that obstruct the diffusion of electronic wallets in the Egyptian society. As there is great resistance to the use of electronic payment services provided by governmental and private banks, and the insistence of customers to use cash due to the many reasons that were discussed in the research. In spite of this, several countries such as Morocco, Algeria, Malaysia and India, as an example similar to the Egyptian example, have come forward and found many solutions to switch from cash to electronic payment. Nowadays, cell phones have become a

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Kurnia, Fazri Muhamad. "Pembangunan Aplikasi Transaksi Menu Di Kedai XYZ Kopi Menggunakan QR-Code Dan One Time Password Berbasis E-Wallet." Matrix : Jurnal Manajemen Teknologi dan Informatika 10, no. 3 (2020): 113–22. http://dx.doi.org/10.31940/matrix.v10i3.1919.

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The payment process using electronic money is a non-cash payment method based on E-Wallet aimed at facilitating users in transact. The transaction process at the coffee shop XYZ is still done conventionally and takes a long time, causing long queues. The research carried out aims to speed up the transaction process at XYZ coffee shops. The method used in this research is prototype. An alternative solution to the transaction process is to utilize the E-Wallet and QR-Code through the customer's smartphone. This study utilizes Go-Pay E-Wallet access as a means of payment through the Midtrans Paym

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Kamble, Prof Tulshiram, Dr Pushpendu Rakshit, and Dr Bajrang Lal. "Assessing Cybersecurity Awareness And Issues Among Citizens Of Navi Mumbai And Panvel Zone." International Journal of Environmental Sciences 11, no. 9s (2025): 544–51. https://doi.org/10.64252/h4wamj83.

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The government’s demonetization initiative, along with its vision to transform India into a cashless economy, has brought a significant shift in payment behaviour, accelerating the adoption of digital payment systems. This shift was further catalysed by the COVID-19 pandemic, which drastically reduced physical transactions and increased reliance on digital modes such as E-wallets. Although traditionally Indian consumers preferred cash-on-delivery methods, the pandemic has prompted a rapid rise in mobile wallet usage due to convenience and safety. The diffusion of mobile payment systems is high

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Muhereza, B. R. M., F. Excellence, R. B. Makumbi, and H. M. Buwule. "An Assessment of Consumer Awareness and Coverage of Digital Television Services in Uganda." British Journal of Multidisciplinary and Advanced Studies 4, no. 1 (2023): 12–36. http://dx.doi.org/10.37745/bjmas.2022.0082.

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Nowadays, e-commerce industry in India, emerges one of the largest growing retail industries in India, during the period of pandemic almost all the sectors or business operations remain closed, but e-commerce industry providing all essential goods and services to the people of India by following COVID related guidelines. Therefore, people of India relying on e-commerce industry instead of local retail market and outcomes of that, e-commerce industry in India increased by 21.5% in 2022 and reaching US $ 74.8 billion. It is also expected that e-commerce industry will grow 84% to $ 111 billion by

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Salunkhe, Shyam Jivan. "A Study of Growth of E-Commerce Business of India in Post Pandemic Era: An Overview." British Journal of Multidisciplinary and Advanced Studies 4, no. 1 (2023): 1–11. http://dx.doi.org/10.37745/bjmas.2022.0081.

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Nowadays, e-commerce industry in India, emerges one of the largest growing retail industries in India, during the period of pandemic almost all the sectors or business operations remain closed, but e-commerce industry providing all essential goods and services to the people of India by following COVID related guidelines. Therefore, people of India relying on e-commerce industry instead of local retail market and outcomes of that, e-commerce industry in India increased by 21.5% in 2022 and reaching US $ 74.8 billion. It is also expected that e-commerce industry will grow 84% to $ 111 billion by

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Dhamodaran, S., Md Afridi, M. Rahul, J. Refonaa, and K. Ashok Kumar. "Retail Store Evoluvation Between Customer–Vendor Using Li-Fi Technology." Journal of Computational and Theoretical Nanoscience 16, no. 8 (2019): 3316–18. http://dx.doi.org/10.1166/jctn.2019.8184.

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Predominantly all the customers are smartphone users and they want shopping to be easier and seamless. However, the retail store experiences in India does not tap into the mobile channel of interaction when the customer is in the shop. The implementation is that make the shopping easier. Developing the application in the Android platform. In this application, we can make easy checkout and pay the shopping bills in any wallets (Dhamodarn, S., et al., 2016. Identification of User Poi in Spatial Data Using Android Application. International Conference on Computation of Power, Energy Information a

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Upadhyay, Shivam. "Study of Consumer’s Intention to Use of E-Wallet: with Extended UTAUT2 Reward and Technological Innovation." INTERANTIONAL JOURNAL OF SCIENTIFIC RESEARCH IN ENGINEERING AND MANAGEMENT 08, no. 06 (2024): 1–5. http://dx.doi.org/10.55041/ijsrem36021.

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Consumers in the 21st century are living in a world transformed by contactless transactions, a product of the digital revolution. This technology is woven into the fabric of daily life, offering solutions for everything from morning coffee purchases to late-night bill payments. From shopping and salons to education, food delivery, money transfers, and public transport, contactless payments are ubiquitous. This constant presence fosters a consumer behavior that embraces new technologies and innovation. The rise of mobile payments, driven by advancements in technology, has fundamentally altered

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Vijai, Dr C. "Consumer Attitude and Intention to Adopt Mobile Wallets in India." Middle East Research Journal of Economics and Management 1, no. 1 (2021): 46–52. http://dx.doi.org/10.36348/merjem.2021.v01i01.005.

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In today – world, smart phone has become an essential part of one‟s daily life. Mobile users can nowadays use their Smartphones to make money transactions or payments by using applications installed in the phone. When smartphones can function as leather wallets, it is called “Digital Wallet” or widely known as “Mobile Wallet”. The main aim of this empirical study is to examine the mobile wallets usage Consumer attitude and intention to adopt mobile wallet in Chennai city, India. The respondents were categorized on the basis of gender, age and occupation. The study is based on the primary data

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Sunil, Shisode Vikas, and Dr Nidhi Nalwaya. "Digital Payment Systems – An Overview of Categories and Extant Opportunities and Challenges." International Journal for Research in Applied Science and Engineering Technology 11, no. 4 (2023): 211–17. http://dx.doi.org/10.22214/ijraset.2023.50019.

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Abstract: The payments industry is changing as a result of mobile payments. These services give non-banking actors a way to break into the sector. Banks, who are already involved in the traditional payments sector, must provide mobile payments in order to meet this threat. Right now, we're in a digital era. India is about to see a significant digital revolution. The increasing connectivity that the Internet provides in today's society has altered the way that money is exchanged. The use of several technologies, including smartphones, computers, iPads, tablets, and the internet, has advanced dr

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Shin, Seungjae, Won-jun Lee, and Dustin Odom Odom. "A Comparative Study Of Smartphone Users Perception And Preference Towards Mobile Payment Methods In The U.S. And Korea." Journal of Applied Business Research (JABR) 30, no. 5 (2014): 1365. http://dx.doi.org/10.19030/jabr.v30i5.8793.

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As the Smartphone adoption rate increases, Smartphone users pay more attention to mobile payment. There are several options for mobile payment but there is no dominate method. Proximity mobile payment is the newest form of mobile payment. Security, cost, and convenience are three main factors Smartphone users keep in mind when making a mobile payment. This paper investigates Smartphone users perceptions and preferences toward mobile payment methods in Korea and the U.S. U.S. Smartphone users have a willingness to pay more for a secure mobile payment transaction, even though Korean users have m

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Kurnia, Felick. "Pengembangan Niat Adopsi Mobile Wallet: Integrasi Model UTAUT2 dengan Social Connectedness dan Culture." Jurnal Rekayasa Sistem Industri 10, no. 2 (2021): 145–60. http://dx.doi.org/10.26593/jrsi.v10i2.4374.145-160.

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Smartphone technology is rising rapidly around the world. It allows various companies including financial institution to improve services for their customers. Mobile wallet is a cashless payment system that is carried out with a mobile phone. Since 2010, The Central Bank of Indonesia has been encouraging the adoption of cashless payment system, including mobile wallet. Despite the efforts made, the use of cashless payment system in Indonesia is still low. This paper investigates the determinants of customers’ intention to adopt mobile wallet using the Unified Theory of Acceptance and Use of Te

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Cherry, Anne N. Gumabay, and Visitacion N. Gumabay Maria. "Likelihood Success of Mobile Wallets in Tuguegarao City." International Journal of Innovative Science and Research Technology (IJISRT) 9, no. 11 (2024): 1583–87. https://doi.org/10.5281/zenodo.14272900.

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In the Philippines, the payment of bills, essentials, deliveries, utilities, hospital bills, and tuition fees are done through mobile wallets. Gcash and Maya are the commonly used mobile wallets in the Philippines. The researcher made use of the descriptive research design. This study is conducted to determine the likelihood success of the use of mobile wallet in Tuguegarao City. Results showed that majority of business owners, consumers, students, professionals, and other users drastically adapted mobile wallet for business transactions because of the convenient services that they provide. Al

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Manickam, Thirupathi, Vinayagamoorthi G., Gopalakrishnan S., Sudha M., and Mathiraj S. P. "Customer Inclination on Mobile Wallets With Reference to Google-Pay and PayTM in Bengaluru City." International Journal of E-Business Research 18, no. 1 (2022): 1–16. http://dx.doi.org/10.4018/ijebr.293295.

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In this cashless economy era, Information and Communication Technology (ICT) plays a vital role in making payments using various payment modes. The mobile wallet app is an innovative technology for avoiding the usage of physical cash. The mobile wallet records all kinds of transactions with a clear payment reference and makes it accountable for tax payments. There are countless reasons for using mobile wallets which makes service providers confused and leads them to offer unattractive features in the wallet apps making the offer as a failure. This paper attempts to collect the data from the mo

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Matemba, Elizabeth D., Guoxin Li, and Baraka J. Maiseli. "Consumers' Stickiness to Mobile Payment Applications." Journal of Database Management 29, no. 3 (2018): 43–66. http://dx.doi.org/10.4018/jdm.2018070103.

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WeChat wallet incorporates compelling features facilitating users to conduct financial transactions more conveniently. The authors' survey discovered that most users appreciate WeChat wallet services. Previous studies, however, inadequately address critical factors that motivate consumers' stickiness to this promising technology. Scholars concentrate only on the technological features and considers societal traditional practices. This work establishes a psychometric theoretical model that integrates novel constructs, which balances technological features and traditional values, predicting WeCh

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Parashar, Neha, Shradha Gupta, Rahul Sharma, and Asit Bandyopadhayay. "Factors influencing the usage of mobile payment services during the COVID-19 pandemic." Asian Economic and Financial Review 13, no. 10 (2023): 727–37. http://dx.doi.org/10.55493/5002.v13i10.4854.

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This study aims to identify and examine the factors that affected users' behavioral intentions, attitudes, and perceptions toward mobile payment services during COVID-19. It also attempts to determine the impact of demographic variables on the ease of use of mobile payment services. A survey approach was adopted to collect primary data and capture attitudes and behaviors on the use of mobile payment services during and after COVID-19. Being a quantitative study, a multiple regression analysis was used to analyze the primary data. The results indicate that education was the main reason for the

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Shaw, Bijeta, and Ankit Kesharwani. "Moderating Effect of Smartphone Addiction on Mobile Wallet Payment Adoption." Journal of Internet Commerce 18, no. 3 (2019): 291–309. http://dx.doi.org/10.1080/15332861.2019.1620045.

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Lim, Kah Boon, Sook Fern Yeo, and Choon Ching Tan. "UNDERSTANDING USERS’ SWITCHING INTENTION ON MOBILE WALLET." Journal of Information System and Technology Management 5, no. 19 (2020): 14–24. http://dx.doi.org/10.35631/jistm.519002.

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In the current era, mobile devices playing an important role in our part of daily life. With today's technology, users of mobile devices can now use their mobile device to make a payment or transaction instead of using a physical card. A mobile wallet is a way to display your card information in a digital format on your mobile device. As a result, mobile wallets are now growing rapidly in Malaysia and many mobile wallet service providers are available on the current market. For this reason, several issues have been raised in this research in order to study the factors that affect users ' inten

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Liao, Shu-Hsien, and Chu-Hung Ho. "Mobile Payment and Mobile Application (App) Behavior for Online Recommendations." Journal of Organizational and End User Computing 33, no. 6 (2021): 1–26. http://dx.doi.org/10.4018/joeuc.20211101.oa2.

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A mobile application (App) is an application designed to run on a smartphone, tablet, or other mobile device. With the continuous change of mobile payment applications in smart phones and the support of the banking system, the global mobile payment population is increasing. This study examines the behaviors of Taiwan mobile payment and apps users, a total of 1,176 valid questionnaire data is divided into six sections with 29 items for a database design. This study develops a data mining approach, including clustering analysis and association rules, based on a relational database. Thus, this st

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Hasan, Arif, and S. K. Gupta. "Exploring Tourists’ Behavioural Intentions Towards Use of Select Mobile Wallets for Digital Payments." Paradigm 24, no. 2 (2020): 177–94. http://dx.doi.org/10.1177/0971890720959519.

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The present study goal is to identify assorted factors and also to investigate their influence on tourists’ behavioural intentions about their usage patterns with respect to M-wallet payment. A conceptual model has been anticipated and authenticated and 600 questionnaires were distributed and 482 were usable. Structural equation modelling was employed to assess research hypotheses. The result shows that the behavioural intention is significantly influenced by perceived value, trust, compatibility and social influence while tourists’ is less optimistic when it comes to use M-wallet with regard

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Mabkhot, Hashed, Abdulrahman Alsughayir, Mohanad Ghaleb, and Abbas Albarq. "Understanding the factors of mobile payment continuance intention: empirical test in Saudi Arabia." Journal of Law and Sustainable Development 11, no. 12 (2023): e1951. http://dx.doi.org/10.55908/sdgs.v11i12.1951.

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Purpose: The objective of this study is to explore the determinants of individuals' intentions to continue utilize mobile payment services by examining integrated model of the constructs of the Technology Acceptance Model (TAM) (perceived ease of use and perceived usefulness) and the Theory of Planned Behavior (TPB) (attitude, subjective norm, and perceived behavioral control). Furthermore, the study investigates the relationship between user satisfaction and their intention to persist in using mobile payment. Methodology: In this quantitative investigation, a sample of 474 mobile e-wallet use

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Mbouassa, Edmond Yannick, and Dong Hui Hu. "Practical Design And Implementation Of A Mobile Off-Line E-Wallet." International Journal of Computer Science Issues 16, no. 3 (2019): 1–9. https://doi.org/10.5281/zenodo.3252959.

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With the advancement of digital economies many mobile payment systems have seen the day, with these mobile payment systems you can make a payment to anyone who uses the same payment system as yours. But most of these systems are internet based systems. This doesn’t seem to be a problem in developed countries that have permanent access to the internet. For developing countries and third world countries this is still a problem. In some areas of the world having a permanent access to internet connection is still a luxury that many cannot afford. Here we present a mobile offline payment mobi

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Zhipeng, Wang. "Acceptance of E-Wallet Among Mobile Phone Users in China." Journal of Digitainability, Realism & Mastery (DREAM) 1, no. 01 (2022): 35–40. http://dx.doi.org/10.56982/journalo.v1i01.11.

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Coronavirus, also known as COVID-19, has compelled and encouraged the global public to avoid all activities involving physical contact, including money transactions. During the COVID-19 pandemic, the use of e-payment activities has increased due to people's concern that direct traditional payment methods could transmit the virus through physical currency, hence relieving consumers of the need to carry cash. Using a well-established unified theory of adoption and use of technology, this study seeks to identify the factors that influence the deployment of cashless payment among China students. T

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Anwar, Resa Nurlaela, Vanessa Gaffar, Disman Disman, Chairul Furqon, and Yayah Sutisnawati. "Mobile wallet adoption model among digital immigration generation in Indonesia." Journal of Eastern European and Central Asian Research (JEECAR) 10, no. 6 (2023): 799–809. http://dx.doi.org/10.15549/jeecar.v10i6.1499.

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Fintech innovations such as mobile wallets (m-wallet) are reshaping the payment landscape, m-wallet users in Indonesia are relatively high, but there is a gap in the number of m-wallet users by age group. The highest number of m-wallet users, mostly the young generation, is based on age. The digital immigrant generation is another age group with the potential to increase but still needs to be higher in adoption. This research's primary objective is to determine the effect of m-wallet adoption in Indonesia. This study aimed to comprehend how consumers adopted m-wallets. Four hundred respondents

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Ramli, Faten Aisyah Ahmad, and Muhammad Iskandar Hamzah. "Mobile payment and e-wallet adoption in emerging economies: A systematic literature review." Journal of Emerging Economies and Islamic Research 9, no. 2 (2021): 1. http://dx.doi.org/10.24191/jeeir.v9i2.13617.

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Against the backdrop of greater smartphone and internet penetration across the emerging markets, electronic wallet (e-wallet) has emerged as a reliable and well-known digital payment method. The main purpose of this paper is to review the growing volume of studies on e-wallet adoption in this region. E-wallet is widely used worldwide, but it has yet to become mainstream in developing countries, including Malaysia. Hence, scholars have conducted numerous studies on e-wallet use, but there seems to be a lack of consensus on the predictors influencing its adoption. This study examines these publi

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Budiman, Almi, and Baruna Hadibrata. "Technology Acceptance Model Modification for Electronic Wallet Users in Jakarta." Modern Economics 26, no. 1 (2021): 17–24. http://dx.doi.org/10.31521/modecon.v26(2021)-03.

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Introduction. The development of mobile payment in Indonesia is increased, especially by the emergence of the two biggest electronic payments, such as Go-Pay and Ovo, which aggressively offer various interesting offers. This affects the enhancement of the use of mobile payment by the public. In the beginning, server-based electronic money services of its appearance were still small, including credit top-up and internet data, and money transfers to banks that include as a member of ATM Bersama (joint ATM). Along with the development of technology, electronic wallets begin to transform by expand

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Kamal, Irsyad, Rahmah Nur Rizki, and Muhammad Rafif Aulia. "The Enthusiasm of Digital Payment Services and Millennial Consumer Behaviour in Indonesia." International Journal of Professional Business Review 8, no. 2 (2023): e0923. http://dx.doi.org/10.26668/businessreview/2023.v8i2.923.

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Purpose: This research aims to study the impact of changes in transaction styles in the 4.0 era with more depth, how consumers from various level start to use technology in ease of everyday life and consumer choices in the use of applications and their willingness to pay for the transaction fee, whether from bank institutions or digital start-up companies in terms of effectiveness, security, and public enthusiasm with digital payment technology. Theoretical Framework: The framework was developed depend on the theory or study literature variables of mobile banking, digital wallet, digital payme

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Muna, Nalal, Mutia Rahmi Pratiwi, and Barkah Alkhaliq. "Loyalty of m-wallet user from a service-dominant logic perspective." Jurnal Manajemen dan Pemasaran Jasa 13, no. 2 (2020): 245. http://dx.doi.org/10.25105/jmpj.v13i2.6727.

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<p>This study aimed<ins cite="mailto:Author" datetime="2020-10-25T10:56"> </ins>to examine the effect of customer perceived value on the loyalty of mobile wallet (m-wallet) users. Payment using mobile wallet offers several benefits for consumer in terms of functional, social, and economic value. Meanwhile, Service-Dominant Logic was<ins cite="mailto:Author" datetime="2020-10-25T10:56"> </ins>used to explain consumer’s experience in utilizing mobile wallet for payment. Furthermore, a quantitativeapproach with<ins cite="mailto:Author" datetime="2020-10-25T10:56"&

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Bland, Eugene, Chuleeporn Changchit, Charles Changchit, Robert Cutshall, and Long Pham. "Investigating the Components of Perceived Risk Factors Affecting Mobile Payment Adoption." Journal of Risk and Financial Management 17, no. 6 (2024): 216. http://dx.doi.org/10.3390/jrfm17060216.

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As smartphone ownership rapidly expands, mobile payment options are gaining popularity due to the portability and convenience they offer. This study examines attitudes towards adopting mobile payment, focusing on the component risk, which consists of multiple dimensions including performance, financial, time, psychological, and social risks. The study uses a quantitative approach, collecting data through a survey distributed to mobile payment users, with 361 respondents in the United States. The survey instrument includes measures of performance and psychological risk, as well as attitudes tow

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Denish Badaik, Kavitha Tirupattur Chinnaraju, Sagarika Kamath, et al. "Development of Research on Continuous usage Intention of M-Wallets: A Systematic Review of Literature from 2011 to 2021." Journal of Advanced Research in Applied Sciences and Engineering Technology 35, no. 1 (2023): 156–72. http://dx.doi.org/10.37934/araset.34.3.156172.

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Mobile payment usage must be maintained for mobile wallet companies to survive. Long-term user relationships can assist businesses in lowering costs and increasing profitability to retain customers which ultimately will lead to continuance intention. Despite M-wallets' relative maturity, a study in this sector has been limited to first acceptance/rejection. No study has particularly evaluated the technology's post-adoption impacts. Existing studies mostly examine the initial adoption of mobile wallet users and their antecedents. Though many people use M-wallets regularly, consistency is rare.

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Khan, Muhammad Abid, Akhtar Raza, Kamran Ahsan, and Sana Irshad. "Secure digital wallet by using QR code: mapping of mobile payment in partially connected environment." Mehran University Research Journal of Engineering and Technology 43, no. 2 (2024): 08. http://dx.doi.org/10.22581/muet1982.2697.

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Mobile payment is rising attention worldwide to pay for items from sender to receiver. QR (Quick Response) code technology relies on scan-and-pay techniques, does not require specific hardware, and allows a sender to easily scan the destination address of the payment directly from the receiver’s smartphone. Existing QR (Quick Response) Code-based payment solutions require full internet connectivity for transactions. Sometimes, the user does not have internet for mobile payment. To resolve this issue an innovative hybrid method is proposed which uses web and mobile-based applications for E-paym

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Changchit, Chuleeporn, Robert Cutshall, and Long Pham. "Unveiling the Path to Mobile Payment Adoption: Insights from Thai Consumers." Journal of Risk and Financial Management 17, no. 8 (2024): 315. http://dx.doi.org/10.3390/jrfm17080315.

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Mobile payment, replacing traditional methods like cash and cards, offers users convenience and accessibility, benefiting individuals, businesses, and governments. However, most research on mobile payment adoption has primarily focused on developed countries, leaving a gap in understanding the adoption factors in developing nations. This study addresses this gap by investigating the determinants of mobile payment adoption in Thailand, an emerging economy experiencing significant smartphone adoption and e-commerce growth. Through a quantitative approach and a survey of 475 Thai consumers, this

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Moradeyo, Adebanjo OTITOJU, Ozioma ALIYU Aisha, Queensly OLAIYA Anuolu, and Kyangtuk GAMBO Stephanie. "Cashless Policy and E-payment Systems in Nigeria: A Synthesis of Literature." International Journal of Social Science and Humanities Research 11, no. 3 (2023): 145–51. https://doi.org/10.5281/zenodo.8262753.

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<strong>Abstract:</strong> A successful and dependable money system is essential today to manage the growing complexity of financial transactions and guarantee the complete and efficient settlement of obligations. The Central Bank of Nigeria's (CBN) cashless approach strives to reduce costs, providing mobile payment services, removing existing barriers to financial empowerment for many Nigerians, and providing convenient banking services for urban, semi-urban, and rural people across the country. These platforms supply users with a variety of convenience, speed, and security for anything f

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Liu, Wei, Jin Long Zhang, and Guang Ming Yang. "Research on Construction of Mobile Payment System Based on the Phone Financial IC Card." Applied Mechanics and Materials 178-181 (May 2012): 2658–63. http://dx.doi.org/10.4028/www.scientific.net/amm.178-181.2658.

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With the rapid growth in the number of the domestic mobile phone users and the widespread use of the third generation (3G) mobile communication technology, mobile payment will become a new means of payment and be gradually accepted. At present, many cities and regions already have a Phone Financial IC card which can provide contact and Non-contact applications of consumer who use the Point of Sales (POS), the phone financial IC card is the SIM card which comply with the financial specifications PBOC2.0, it can provide an individual customer with a debit or credit services and pure e-wallet fun

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DJAOWE, Joseph, and Leonel AKO TIKU. "Mobile Money and Financial Inclusion of Rural Women in the Informal Sector: A Case of Users of Orange Money in Yagoua." Archives of Business Research 10, no. 6 (2022): 115–31. http://dx.doi.org/10.14738/abr.106.11911.

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The purpose of this article is to assess the influence of Mobile Money on the financial inclusion of rural women in the informal sector. Women's access to financial services is a key factor in economic growth and development. This work aims to measure the impact of mobile finance, mobile wallet and mobile payment on the financial inclusion of women. To this end, a questionnaire was administered to a sample of 98 rural women working in the informal sector. Data from the surveys were analyzed using SPSS software and subjected to the binary logistic regression test. From this investigation, the f

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Thelma, Lalhmingthangi, and Lalengkima Dr. "Examining Customer Satisfaction and Continued Usage Intentions of Mobile Wallets in Aizawl City." International Journal of Contemporary Research in Multidisciplinary 4, no. 2 (2025): 125–30. https://doi.org/10.5281/zenodo.15120992.

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This study examines customer satisfaction and the intention to continue using mobile wallets in Aizawl City, Mizoram. Mobile wallets, as digital payment tools, have become increasingly popular in urban India, offering convenient, secure, and efficient alternatives to traditional financial transactions. The research focuses on understanding the factors influencing user satisfaction and their subsequent intent to continue using these services. A quantitative approach was employed, collecting data from 228 mobile wallet users through a structured survey. The findings reveal that users are general

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Andrew, Jasmine Vivienne, Sylvia @. Nabila Azwa Ambad, Nur Syahidah Wong Abdullah, Sakka Nordin, and Karen Esther Tan. "A Systematic Review of E-wallet Usage Intention: Integrating UTAUT2 with Perceived Security." Jurnal Intelek 16, no. 1 (2021): 124–33. http://dx.doi.org/10.24191/ji.v16i1.372.

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The growth of cashless payment has grown exponentially, including that of e-wallet, in line with the government's plan to build a cashless society. The e-wallet phenomenon is fast becoming an important component for financial inclusion in emerging economies as studies found that the use of digital financial services like mobile money and other fintech applications could provide many potential development benefits. Countries like China have experienced the highest growth in cashless payments over the last five years and is said to be the most educated on mobile payment services. Despite the rap

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Lee, Yi Yong, Chin Lay Gan, and Tze Wei Liew. "The Impacts of Mobile Wallet App Characteristics on Online Impulse Buying: A Moderated Mediation Model." Human Behavior and Emerging Technologies 2022 (September 5, 2022): 1–15. http://dx.doi.org/10.1155/2022/2767735.

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The adoption of cashless payment methods compels impulse buying. This research studies impulse purchase behavior by focusing on E-wallet app characteristics, a field where empirical research is still scarce. This paper is aimed at developing and testing a theoretical model to examine a moderated mediation model of mobile wallet app characteristics and impulse buying through perceived enjoyment moderated by mobile wallet user experience. An online survey acquired 208 valid responses from active E-wallet users. The framework was empirically analyzed by using Smart PLS-SEM. Findings indicate that

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M, Amuthasurabi. "DIGITAL WALLET." INTERANTIONAL JOURNAL OF SCIENTIFIC RESEARCH IN ENGINEERING AND MANAGEMENT 08, no. 03 (2024): 1–5. http://dx.doi.org/10.55041/ijsrem29551.

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A computerized wallet, too known as an e-wallet, could be a software-based framework that safely stores installment data and passwords for numerous installment strategies and websites. By employing a advanced wallet, users can make electronic exchanges quickly andsafely, killing the got to enter delicate data over and over. Advanced wallets regularly consolidate different security measures, such as encryption and tokenization, to ensure users' monetary information. Also, numerous computerized wallets offer highlights like exchange history following, dependability program integration, and versa

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