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Journal articles on the topic 'Mobile wallet'
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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 (January 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 mobile wallet users and provide a clear understanding of the reasons for using mobile wallets. Secondly, the customer preferences towards Google Pay and PayTm are analyzed in detail with primary data collected from mobile wallet users to suggest a model for improving the business. This research was conducted to understand the customer's inclination towards the use of mobile wallets.
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Rajesh, Donda, M. Arpana Sagar, and Nalla Roshitha. "Users Perceptions and Problems on Mobile Wallet Payments – A Study in Visakhapatnam City." ComFin Research 10, S1-Jan (January 1, 2022): 12–16. http://dx.doi.org/10.34293/commerce.v10is1-jan.4750.
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The study analysed the perceptions and problems on mobile wallet payments. In recent times, wide usage of mobile wallet payments is witnessed in India, particularly in urban areas. While users’ base increases, there is a chance of increased problems related to mobile wallets. Server down, low internet connectivity, incomplete & delayed payments are the major problems related to usage of mobile wallets. in spite of these problems, majority of the respondents responded positively to the usage of mobile wallets.
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Effendy, Femmy, Vanessa Gaffar, Ratih Hurriyati, and Heny Hendrayati. "Analisis Bibliometrik Perkembangan Penelitian Penggunaan Pembayaran Seluler Dengan Vosviewer." Jurnal Interkom: Jurnal Publikasi Ilmiah Bidang Teknologi Informasi dan Komunikasi 16, no. 1 (April 30, 2021): 10–17. http://dx.doi.org/10.35969/interkom.v16i1.83.
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Penelitian ini mengkaji perkembangan penelitian dengan topik penggunaan pembayaran seluler mobile payment, e-wallet. Kajian bertujuan untuk mengetahui: (1) perkembangan jumlah publikasi internasional bidang penggunaan pembayaran seluler mobile payment, w-wallet pada database Scopus dari tahun 2016 -2020; (2) jurnal inti dalam publikasi internasional penggunaan pembayaran seluler mobile payment, e-wallet (3) peta perkembangan publikasi internasional penelitian bidang penggunaan pembayaran seluler mobile payment, e-wallet berdasarkan kata kunci (co-word). Pengumpulan data dengan cara melakukan penelusuran melalui scopus dengan kata kunci mobile payment, mobile, payment, e-wallet, electronic walet, dengan katagori article title, abstract, keywords dalam kurun waktu 2016 –2020. Data berupa jumlah publikasi pertahun, jurnal yang memuat artikel mobile payment, mobile, payment, e-wallet, electronic walet, dan subjek dianalisis menggunakan Microsoft Excel. Sedangkan untuk tren pemetaan topik dianalisis dengan menggunakan sofware VosViewer. Hasil penelitian menunjukkan bahwa perkembangan pertumbuhan tahun 2016 - 2020 yang terindek di Scopus tertinggi terjadi pada tahun 2020 yang mencapai 82 publikasi (30.5 %). Publikasi internasional terbanyak dipublikasikan pada jurnal IEE sebanyak 12 artikel. Hasil penelitian menunjukan bahwa topik penelitian tentang pembayaran seluler atau mobile payment atau e-wallet masih didominasi oleh penggunaan model teori Technology acceptance Model (TAM), Trust dan perceived usefulness masih menjadi variable penelitian terbanyak, pilihan penggunaan metode survey,dengan tools analisis Structural Equation Model (SEM) khususnya PLS (partial least square), didominasi secara geografis pada penelitian pada negara berkembang (developing Country). Untuk penelitian selanjutnya penulis menyarankan perlu adanya penambahan kata kunci agar lebih banyak hasil penelitian yang lebih akurat dan komprehensif.
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Effendy, Femmy, Vanessa Gaffar, Ratih Hurriyati, and Heny Hendrayati. "Analisis Bibliometrik Perkembangan Penelitian Penggunaan Pembayaran Seluler Dengan Vosviewer." Jurnal Interkom: Jurnal Publikasi Ilmiah Bidang Teknologi Informasi dan Komunikasi 16, no. 1 (April 30, 2021): 10–17. http://dx.doi.org/10.35969/interkom.v16i1.92.
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Penelitian ini mengkaji perkembangan penelitian dengan topik penggunaan pembayaran seluler mobile payment, e-wallet. Kajian bertujuan untuk mengetahui: (1) perkembangan jumlah publikasi internasional bidang penggunaan pembayaran seluler mobile payment, w-wallet pada database Scopus dari tahun 2016 -2020; (2) jurnal inti dalam publikasi internasional penggunaan pembayaran seluler mobile payment, e-wallet (3) peta perkembangan publikasi internasional penelitian bidang penggunaan pembayaran seluler mobile payment, e-wallet berdasarkan kata kunci (co-word). Pengumpulan data dengan cara melakukan penelusuran melalui scopus dengan kata kunci mobile payment, mobile, payment, e-wallet, electronic walet, dengan katagori article title, abstract, keywords dalam kurun waktu 2016 –2020. Data berupa jumlah publikasi pertahun, jurnal yang memuat artikel mobile payment, mobile, payment, e-wallet, electronic walet, dan subjek dianalisis menggunakan Microsoft Excel. Sedangkan untuk tren pemetaan topik dianalisis dengan menggunakan sofware VosViewer. Hasil penelitian menunjukkan bahwa perkembangan pertumbuhan tahun 2016 - 2020 yang terindek di Scopus tertinggi terjadi pada tahun 2020 yang mencapai 82 publikasi (30.5 %). Publikasi internasional terbanyak dipublikasikan pada jurnal IEE sebanyak 12 artikel. Hasil penelitian menunjukan bahwa topik penelitian tentang pembayaran seluler atau mobile payment atau e-wallet masih didominasi oleh penggunaan model teori Technology acceptance Model (TAM), Trust dan perceived usefulness masih menjadi variable penelitian terbanyak, pilihan penggunaan metode survey,dengan tools analisis Structural Equation Model (SEM) khususnya PLS (partial least square), didominasi secara geografis pada penelitian pada negara berkembang (developing Country). Untuk penelitian selanjutnya penulis menyarankan perlu adanya penambahan kata kunci agar lebih banyak hasil penelitian yang lebih akurat dan komprehensif.
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Vinayamoorthi, G., and M. Thirupathi. "Consumer’s Adoption of Digital Wallets With Special Reference to Bangalore City." Shanlax International Journal of Management 8, no. 2 (October 1, 2020): 108–13. http://dx.doi.org/10.34293/management.v8i2.3429.
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The role of technology in human life playing a crucial role in the present scenario in this globe. People are very fast to adopt technological things for the better convenience of their life and made simple. This study reveals how the people are adopting mobile wallet payment systems and the benefits of mobile wallet payments; it also finds out how the customers are comfortable with mobile wallets, perceptions, preferences, and reasons for using mobile wallet payment systems.
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Karthikeyan, K., and M. Dinesh Kumar. "A Comparative Analysis Study on Mobile Banking and Mobile Wallet Services in India." ComFin Research 9, no. 4 (October 1, 2021): 17–23. http://dx.doi.org/10.34293/commerce.v9i4.4307.
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Banking sectors are fully focused on Mobile Banking and Mobile wallets and engage in electronic device and apps initiatives by reducing physical activities in banking operations. Mobile Banking and Mobile Wallet practices perceived various electronic products and services to measures supporting private companies, public and private banking sector procedures to electronic management systems and reduction of fuel and cost proper utilization. They are the best performance and efficiency of Mobile Banking and Mobile Wallet in the key of elements in the financial system. The most important mobile banking services have been mentioned through Account Access, Balance Enquiry, E-Passbook, Account Statement, Fund Transfer, Bill Payment, Branch Locator, ATM Locator and Requests, etc. Mobile wallet’s procedure is to open a zero account to submit KYC for address proof rather than submit a mobile number—payment using a one-time password, pin code, or bar code. The funds are limited to transactions only. Most private companies, public and private sector banks are; Airtel Money, Axis Bank Lime, Citrus Pay, Freecharge, ICICI Pockets, Itz Cash, Jio Money, Mobikwik, Oxigen, mRuppee, Paytm, SBI Buddy, SpeedPay, Vodafone M-Pesa, etc. The awareness of mobile banking and mobile wallet products and services is ready for all people using modern banking activities. Mobile banking and mobile wallets reduce physical activities and use information technology devices for proper handling of banking websites and private company mobile apps etc. This relative study of Mobile Banking and Mobile Wallet shows that there are significant differences in the transactions of Mobile Banking and Mobile Wallet volume and value. Analysis simple percentages have been used to analyze and interpret the data on Mobile Banking and Mobile Wallet volume and value made in India during the study period of 2012-13 to 2018-19 (7 years).
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George, Ajimon, and Prajod Sunny. "Developing a Research Model for Mobile Wallet Adoption and Usage." IIM Kozhikode Society & Management Review 10, no. 1 (December 16, 2020): 82–98. http://dx.doi.org/10.1177/2277975220965354.
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The scope of the mobile wallet in a ‘Cashless India’, whose utility has been spurred by the exponentially growing smartphone technology, is a contemporary topic of deliberation. The reach of mobile wallets gets broader each day with the entry of new stakeholders into the scenario, making mobile wallets indispensible for meeting daily needs. Given the COVID-19 pandemic situation, increased reliance on mobile wallets, and its acceptability among the public and other associated e-services, researchers and service providers are eager to explore its adoption as well as its continued usage. This paper theoretically examines factors influencing behavioural intention and actual usage of mobile wallets through various technology adoption models and behavioural studies. Based on an extensive review of the literature, this paper attempts to draw a comprehensive conceptualization of mobile wallet adoption and actual use by exploring the influence of various key factors. This proposed model could successfully present the case of mobile wallet adoption and usage, as well as offer the possibility of deriving important managerial implications concerning effective marketing techniques.
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Shukur, Mohammed H., Reem J. Ismail, and Laith R. Flaih. "Empower E-wallets Payment System by using A Hybrid Approach of Online and Offline Services." Cihan University-Erbil Scientific Journal 6, no. 2 (August 5, 2022): 23–27. http://dx.doi.org/10.24086/cuesj.v6n2y2022.pp23-27.
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Payment mechanisms are migrated to mobile devices as e-commerce grows, creating e-wallets. The current e-wallet payment solutions are based on online-connected smartphones. The transaction is completed using a mobile application, which requires a GPRS and Wi-Fi connection. People around the world are becoming more interested in e-wallets. Nevertheless, in Iraq, it grows slower than in other parts of the world after survey is done to ascertain the primary elements influencing Iraqis’ adoption of electronic wallets. This paper proposes a design of e-wallet Mobile app offering online to offline (O2O) payments that aim to replace traditional e-wallet, credit cards, debit cards, and cash using offline connectivity, near-field communication (NFC), and SMS-based payment mechanisms that are independent of internet connection.
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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 (December 25, 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 collected from 481 respondents by using a structured questionnaire. Five point likert scales was used in questionnaire for obtaining responses. The statistical tools applied in this study are ANOVA, Chi Square, Friedman Test, and frequency analysis. SPSS 20 was used to perform statistical analysis.
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Rana, Shailendra Singh. "A STUDY OF PREFERENCE TOWARDS THE MOBILE WALLETS AMONG THE UNIVERSITY STUDENTS IN LUCKNOW CITY." Scholedge International Journal of Management & Development ISSN 2394-3378 4, no. 6 (November 27, 2017): 46. http://dx.doi.org/10.19085/journal.sijmd040601.
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Few years back mobile wallet was something majority in India did not hear about but its use saw a huge leap in last couple of years with the surge of smart phones, high speed internet connectivity using 3G and 4G and the lucrative offers mobile wallets provide. This research paper is an attempt to study the preference towards mobile wallet among the students studying in various universities in Lucknow city.
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Phutela, Nidhi, and Shrirang Altekar. "Mobile Wallets in India." International Journal of Online Marketing 9, no. 2 (April 2019): 27–38. http://dx.doi.org/10.4018/ijom.2019040103.
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Adoption of technology by the Indians is setting an example for the others. Considering the penetration of mobile phones and its usage success stories all over the world, a good number of companies are exploring new uses of mobile technology. Many companies have come up with a new use of mobile technology, mobile wallets. This research article has been undertaken to understand the previous research work on the adoption of mobile technology in the developed countries and the factors that are influential to understand the reasons for such adoption. The Unified Theory of Acceptance and Use of Technology (UTAUT) Model has been taken as a base for understanding the adoption by Indian consumers and two factors namely – Trust in mobile wallet services and trust in mobile wallet service providers have been examined for their impact on its adoption. A survey was conducted across Delhi NCR to examine attitude of Indian consumers for mobile wallets adoption.
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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 (December 1, 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 ' intention to switch to mobile wallets. The main objective of this research is to examine the factors which affect users’ switching intention on the mobile wallet. A set of self-administered questionnaires has been randomly distributed to 220 respondents for the purpose of data collection. After we had collected all the data from the respondents, data were keyed into Statistical Package for the Social Sciences (SPSS) Version 26 and Smart PLS is used to assess the measurement model and the structural equation model. The data analysis result showed that dissatisfaction, alternative attractiveness, and the subjective norm has a significant relationship towards users’ switching intention on the mobile wallet. Moreover, the service provider should keep improving their service quality to avoid users switching to another one. Lastly, the service provider must keep updating their features or attractiveness, so the users won’t be so easy to switch to another one and influence by other people.
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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 (January 26, 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 rapid development of this technology, organizations and consumers are still concerned about rising security issues. As the e-wallets markets are further expected to increase exponentially in Malaysia, it is crucial to study the consumers' behavioral intention to use e-wallets for the benefits of e-wallets service providers and users in Malaysia. Correspondingly, this paper presents a review of the literature aimed at advancing the body of knowledge by proposing a conceptual model on consumers' behavioral intention to use e-wallet (mobile payment) using UTAUT2 as a baseline model. This paper is built upon a systematic literature review method. This paper provides practical implications that would assist e-wallet service providers when devising appropriate strategies in planning and increasing consumers' intention to use the e-wallet.
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Boon, Lim Kah, Yeo Sook Fern, and Lim Chiou Fen. "Adoption of Mobile Wallet During Covid-19 Outbreak: The Consumer Perspective." Journal of International Business, Economics and Entrepreneurship 6, no. 2 (December 29, 2021): 27. http://dx.doi.org/10.24191/jibe.v6i2.16652.
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Government authorities have encouraged the public to use the contactless payment method in accordance with the new norm practised during the COVID-19 pandemic outbreak. Malaysians will receive RM50 in mobile wallet credit as part of a Penjana Economic Recovery Plan initiative in July 2020 to encourage safe and contact-free payment. Hence, this paper aimed to study the factors influencing consumer adoption of mobile wallets during the COVID-19 outbreak. The independent variables included in this study are perceived usefulness, perceived ease of use, perceived social influence and perceived security. A total of 250 Malaysians from three states of Malaysia are given a set of self-administered questionnaires to be answered. The response rate is 94%, with 235 sets of completed questionnaires used for analysis. The Partial Least Squares Structural Equation Modelling (PLS-SEM 3.3.3) is used to analyse the model. The hypothesis testing results concluded that perceived usefulness, social influence and perceived security have a significant relationship with mobile wallet adoption during the COVID-19 outbreak. Nonetheless, this research is useful for mobile wallet developers and other researchers. Lastly, the findings of this study provide some managerial implications for mobile wallet developers, which can help developers produce a better mobile wallet in the marketplace.
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David, Shibin, Jaspher W. Kathrine, K. Martin Sagayam, and Krit Salahddine. "Augmenting integrity and scalability in mobile payment applications using blockchain." E3S Web of Conferences 297 (2021): 01063. http://dx.doi.org/10.1051/e3sconf/202129701063.
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The transactional information from the mobile wallets is offloaded from the mobile device to the mobile transaction server. The transaction involves various communication standards, confidential transaction information to ensure flawless transaction of data. There exist several encryption techniques to preserve confidentiality, hashing schemes to prove the integrity, signature schemes to prove the identity in the mobile transaction using mobile wallet applications. Even though mobile wallet possesses secure algorithms, the transactions are facing security issues such as double spending, lack of dispute redressal issue, lack of forward secrecy, lack of anonymity in the transaction and security. Therefore, Blockchain based Mobile transaction Scheme is proposed to solve the security issues including integrity, double spending and improve scalability. This paper presents a strategy which implements blockchain framework by using irreversible keys for mobile wallet applications. The proposed scheme proves to be secure against the security attacks and enhances integrity and scalability compared to the existing schemes.
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Ompusunggu, Hermaya, and Meilinda Dwi Anugrah. "GENDER IN MOBILE WALLET ADOPTION BY USING UTAUT MODEL." Jurnal Riset Akuntansi Kontemporer 13, no. 1 (April 25, 2021): 26–31. http://dx.doi.org/10.23969/jrak.v13i1.3486.
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Mobile wallets (m-wallets) have replaced physical wallets and also replaced the use of debit and credit cards. This study aims to analyze the effect of gender on m-wallet adoption by using the UTAUT model. The research used quantitative approach with primary data was done by distributing online questionnaires. The sample was using purposive sampling and obtained 290 m-wallet users in Batam City who made a transaction through digital-based payment application during five months. The data analysis utilized SEM Partial Least Square. The results showed that performance and business expectations, social influence, and facility conditions had positive and significant effects on the intention to use m-wallets in Batam City, while gender did not have the effect in its relationship.
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XAVIER, Smitha, and K. A. ZAKKARIYA. "The Effect of Utilitarian, Hedonic, Monetary and Social Value on Users of Mobile Wallets." Eurasian Journal of Business and Economics 15, no. 30 (November 30, 2022): 25–44. http://dx.doi.org/10.17015/ejbe.2022.030.02.
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The purpose of this paper is to explore the factors that affect the usage continuance intention of mobile wallet users. A number of studies on mobile wallets have used various theories like TAM and UTAUT to understand the adoption intention, but the studies on continuous intention are scant. The study findings are based on the data collected from 485 respondents and analysed using AMOS SEM. The role of engagement in the relationship between value and continuance intention was also explored using mediation analysis. The study’s results prove the importance of value in bringing about an engrossed state in the users of mobile wallets, thereby increasing the intention of these users to continue using the wallet. From a theoretical perspective, the study is one of the first to explore the relationship between value, engagement, and continuance intention among mobile wallet users. As far as practical implications are concerned, the study’s results reveal the importance of value in inducing engagement among users and, thereby, loyalty, especially in an industry where the switching costs are low.
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Chawla, Deepak, and Himanshu Joshi. "The moderating role of gender and age in the adoption of mobile wallet." foresight 22, no. 4 (June 29, 2020): 483–504. http://dx.doi.org/10.1108/fs-11-2019-0094.
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Purpose The purpose of this paper is to examine the factors that influence the attitude and behavioral intention towards mobile wallet adoption and to examine the moderating effect of gender and age between antecedents of mobile wallet adoption and user attitude and intention. Design/methodology/approach Based on the literature review, certain themes around mobile wallet adoption were generated around which inputs were sought through two focus group discussions, first of which comprised working executives and second comprised students. A sample of 744 users of mobile wallet provided their awareness on mobile wallets, various mobile wallet services used and perception on ease of use, usefulness, trust, security, facilitating conditions and lifestyle compatibility (LC). To examine the moderating effect of gender and age, two methods, namely, Henseler’s partial least squares-multi group analysis (PLS-MGA), a non-parametric approach, and PLS-MGA, parametric approach, are used. The data was analyzed using partial least square-structural equation modeling. Findings The ease of use, usefulness, trust, security, facilitating conditions and LC significantly influence user attitude and intention. The results show that both gender and age moderate the relationship between select antecedents and attitude and intention and the influence is seen more for males and young users. Research limitations/implications The sample comprises students and professionals from metros and large cities; hence, the generalizability of the results to the population at large may be limited. This study only examines the moderating role of age and gender. Future studies may include other demographic variables such as education, income, occupation, experience and household size. Practical implications The findings help mobile wallet service providers understand the relevance and influence of various antecedent variables on the attitude and intention to adopt technology. This will help to plan and prioritize attributes for marketing purposes to increase the adoption and usage rates. Moreover, managers should plan strategies to enhance confidence among females and old age customers. Originality/value The proposed model both investigates the impact of antecedents on user attitude and intention and examines the moderating effect of select demographic variables. There are few empirical studies on the moderating effect of gender and age in the context of mobile wallets in India.
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Singh, Nidhi, Shalini Srivastava, and Neena Sinha. "Consumer preference and satisfaction of M-wallets: a study on North Indian consumers." International Journal of Bank Marketing 35, no. 6 (September 4, 2017): 944–65. http://dx.doi.org/10.1108/ijbm-06-2016-0086.
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Purpose The purpose of this paper is to test the conceptual model of consumers’ intention and satisfaction towards mobile wallets. This study uses the integrated UTAUT model which includes variables such as ease of use, trust, security, self-efficacy, etc., and an additional variable (hedonism) to test consumers’ behaviour in the context of mobile banking technologies. Regression analysis, ANOVA and descriptive analysis are used to test the relationship among several dimensions such as perceptions, preferences, satisfaction and usage rate of mobile wallets in North India. A sample of 204 North Indian consumers was taken to understand the consumers’ adoption behaviour towards mobile wallet. The study explains the significance of the proposed model and its effectiveness to understand the behaviour of North Indian consumers. The result shows a significant association between consumers’ perception, preference, usage and satisfaction. Security, trust and hedonism are few of the most influencing variables in the study. Demographic variables such as gender and age also influence consumer satisfaction and usage rate of mobile wallets in North India. The proposed model and results of the study bring valuable insights into researchers and practitioners in the context of usage of mobile wallets. Design/methodology/approach Various standardized scales were used in the present study. Statistical techniques like descriptive statistics, analysis of variance, t-test, χ2 and regression analysis were used to assess the data. The data were collected with three separate questionnaires on variables perception, preference, usage and satisfaction. Findings Findings of this study show a strong relation between customer’s perception, preference and satisfaction of mobile wallet users. The result also shows the impact of customer’s perception, satisfaction and preference on the usage rate of mobile wallets in India. The authors have collected responses from the various regions in south and North India. Research limitations/implications The first contribution of this study is that it shows a strong correlation between consumers’ perception, preferences and satisfaction. Various studies are available to understand the impact of perception on satisfaction (Samudra and Phadtare, 2012; Venkatesh and Davis, 2000, Thakur, 2013), but very few studies have integrated it with preference and mobile wallet usage. Moreover, no study is available on these variables specifically for North Indian consumers. This study is unique in the sense that it discuss the association of consumer’s perception with type of transactions they prefer to do in M-wallets. This paper also identify one more crucial factors, “hedonism” which is not discussed extensively in the literature. Practical implications The study has several implications to the mobile technology industry and the banking system to identify new strategies for mobile wallet usage. Factors like security, convenience and trust influence consumers’ intention. This indicates that industries and banks must verify users’ privacy norms and evaluate social trends to enhance user’s satisfaction and usage rate. Hedonism is determined as one of the significant variable to measure consumer’s satisfaction and usage tendency. Mobile technology providers should work on the appearances and design of the apps, and promote its convenience and benefits to increase its usage in North India. Based on the findings of this study, companies can also evaluate preferred wallet services for consumers, and factors affecting those services. This will help them to add more attractive services based on consumers’ feedback, and remove unwanted services. Social implications The study also stressed the impact of society and family/friends on mobile wallet’s usage. Customers learn new things from family and society and get influence with their choice and preferences. This will help institutions to understand various factors leads to mobile wallet usage and enhance the satisfaction level of customers. Originality/value Although various studies have been conducted on the perception of customers on various mobile payment systems, but this paper is the first of its kind to study customer’s perception about wallets and type of transactions; they prefer to do through mobile wallets. This paper also study the impact of mobile wallet usage and various factors affecting the usage rate. This paper also identified one crucial factor, “hedonism”, which is not discussed thoroughly in the literature, and its significance in North India.
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Dewi, Melati Kusuma, and FX Sugiyanto. "Decision Making Analysis on The Use of The Mobile Wallet As A Payment Transaction Tool (Case Study of Diponegoro University Students, Semarang)." Journal of Economic Development and Social Research 1, no. 1 (June 25, 2021): 11–19. http://dx.doi.org/10.14710/jedsr.v1i1.12543.
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This study aims to analyze factors affecting decision making on the use of mobile wallet as a payment instrument. The purpose of this study was to determine whether prices, risks, income, prices of other payment instrument, and risks payment instrument influence the decision to use mobile wallet as payment instrument. The study population was students of HIPMI PT Undip Semarang with a total sample of 100 respondents. The analysis used is validity, reliability and Binary Logistic Regression analysis. The results showed that: (1) Price had a positive and significant effect on the decision to use a mobile wallet. Lower price changes will increase the probability of using a mobile wallet. (2) Risk has a positive and not significant effect on the decision to use a mobile wallet. (3) Income has a negative and significant effect on the use of mobile wallet. Greater income will reduce the use of mobile wallet. (4) The price of other transaction instruments has a positive and not significant effect on the decision to use a mobile wallet. (5) The risk of other transaction instruments has a positive and not significant effect on the decision to use a mobile wallet.
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Al-Hattami, Hamood Mohammed, Ahmad Samed Al-Adwan, Abdulwahid Ahmed Hashed Abdullah, and Mohammed A. Al-Hakimi. "Determinants of Customer Loyalty toward Mobile Wallet Services in Post-COVID-19: The Moderating Role of Trust." Human Behavior and Emerging Technologies 2023 (August 7, 2023): 1–13. http://dx.doi.org/10.1155/2023/9984246.
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One of the highly acclaimed innovations is the mobile wallet. Mobile wallets ensure that customers can make purchases even if they forget their wallets at home. The use of these wallets has increased significantly with the spread of the COVID-19 pandemic as a preventive measure. However, with COVID-19 restrictions lifted and adaptation to the pandemic, customers are no longer forced to use mobile wallets. That is, things have returned to normal as before the pandemic, where the customer is left free to choose the method of payment. In this regard, businesses need to retain their customers and make sure that those customers will reuse their own mobile wallets even during this period (post-COVID-19). Hence, it is critical to explore customer loyalty determinants toward mobile wallet services in such a period. Therefore, using the Indian context, this paper sought to explore the determinants of customer loyalty toward mobile wallet services post-COVID-19. This study also investigated the role of trust as a moderator. Based on a sample size of 243 customers in India, the relationships in the proposed model were tested using SmartPLS statistical technology. The results revealed that service quality, privacy and security, and trust are the key determinants in gaining customer loyalty toward mobile wallets. Yet, the results did not support perceived usefulness and ease of use as determinants of customer loyalty. As for trust as a moderator, the results supported only one of the four proposed hypotheses. Specifically, the results supported that “trust has a significant moderating impact on the relationship between service quality and customer loyalty”. The results offer a more precise comprehension of the relationships between customer loyalty and customer loyalty determinants in post-COVID-19 and enable managers to make better management decisions.
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Malik, Anshul, and Swati Sharma. "Antecedents of Wallet App Adoption." International Journal of Web-Based Learning and Teaching Technologies 16, no. 2 (July 2021): 12–31. http://dx.doi.org/10.4018/ijwltt.2021030102.
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Emerging economies like India are witnessing rapid technological changes. To penetrate in the emerging markets and ensure smooth adoption of mobile wallets it is important to study the constructs that trigger mobile adoption. The study presents a cumulative finding of the research carried out in the field of wallet app adoption by using weight analysis. The study systematically identifies various constructs studied by researchers, delineates significant and non-significant relationships between the constructs and mobile adoption, and performs weight analysis to identify the important constructs of wallet app adoption. The study presents a list of strong, frequently utilized significant predictors of app adoption and experimental predictors (i.e., independent variables not frequently used but tested to be significantly impacting app adoption are also presented). To the best of the author's knowledge, no published work presents the cumulative illustration of the constructs to explain the wallet app adoption is available so far.
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Madan, Khushbu, and Rajan Yadav. "Behavioural intention to adopt mobile wallet: a developing country perspective." Journal of Indian Business Research 8, no. 3 (August 15, 2016): 227–44. http://dx.doi.org/10.1108/jibr-10-2015-0112.
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Purpose This paper aims to understand the factors that affect consumers’ adoption of mobile wallet as an alternative method of making payments to purchase goods and services. Design/methodology/approach A survey of over 210 mobile phone consumers was made. The study added two additional constructs – perceived regulatory support (PRS) and promotional benefits (PBs) – and proposed an integrated approach to understanding mobile wallet adoption. The hypothesized relationships were analysed via structural equation modelling. Findings The results indicated performance expectancy, social influence, facilitating conditions, perceived risk, perceived value, PRS, as well as PBs, to be significant factors in predicting behavioural intentions to adopt mobile wallet solutions. The impact of effort expectancy was found to be statistically insignificant. Research limitations/implications The small sample size and the possibility of including new variables such as personal innovativeness, which have not been addressed here, are some of the limitations of this study. Practical implications The findings of this paper would be useful for mobile wallet service providers, mobile app writers and institutions involved in the facilitation and regulation of such services to develop suitable strategic frameworks to encourage the adoption of mobile wallets. Originality/value The study is the first of its kind in India and has added a new dimension in the assessment of technology adoption by proposing two new variables.
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Hopalı, Egemen, Özalp Vayvay, Zeynep Tuğçe Kalender, Deniz Turhan, and Ceyda Aysuna. "How Do Mobile Wallets Improve Sustainability in Payment Services? A Comprehensive Literature Review." Sustainability 14, no. 24 (December 9, 2022): 16541. http://dx.doi.org/10.3390/su142416541.
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Easy access to the Internet, smartphones, and mobile-based banking change customer shopping intentions. As a crucial component of financial technology (Fintech), mobile wallets enable customers to shop via smartphones. Mobile wallets present a cashless transactional method, cost-efficient services, and traceable options that improve sustainability in payment services. Over the last decade, mobile wallet services have evolved and attracted considerable attention from customers and companies. Due to the need for a comprehensive mobile wallet literature survey, this article aims at filling this research gap by covering articles published between 2012 and 2022 over the Scopus, Web of Science, and Science Direct databases. A clear filtering policy was conducted to observe the related article topics. Thus, 128 articles that met the inclusion and exclusion criteria were analyzed. Moreover, the articles were initially classified into three main groups, which was performed via scanning and categorizing all studies in the last ten years from different databases. In addition, the literature was systematically reviewed, providing a better understanding of mobile wallets and contributing to the literature by researching how this service can be improved for payment services with a focus on sustainability. The conducted literature review revealed that mobile wallets could be promoted in terms of environmental traceability, customer lifetime value, and security.
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Amin, Hanudin. "MOBILE WALLET ACCEPTANCE IN SABAH: AN EMPIRICAL ANALYSIS." Labuan Bulletin of International Business and Finance (LBIBF) 7 (December 31, 2009): 33–52. http://dx.doi.org/10.51200/lbibf.v7i.2587.
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Purpose - Technological proliferation has changed the practice in which financial services are transacted, with mobile wallet being the latest development in this area. This paper aims at explaining the factors that encourage bank customers to adopt mobile wallet in Sabah. Design/methodology/approach – Extends the applicability of the technology acceptance model (TAM) in a mobile wallet context, by adding perceived expressiveness, knowledge about mobile wallet and perceived credibility in addition to perceived usefulness and perceived ease of use. Findings - Results suggest that perceived usefulness, perceived ease of use, perceived expressiveness and knowledge about mobile wallet are important determinants of mobile wallet acceptance. Research limitations/ implications - The relatively small size of the sample somewhat limits generalizations. However, this is not a serious limitation, as the author believes this sample size able to contribute significantly, at least at exploratory level. Moreover, there may be a need to add for additional independent variables to the extended TAM, further expanding the number of situations to which it applies. Practical implications - This study will be primarily beneficial to the commercial banks since they will understand the usable factors toward mobile wallet acceptance. Originality/value - Develops a specific version of TAM to better reflect mobile wallet context in Malaysia.
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Hassan, Md Arif, and Zarina Shukur. "Device Identity-Based User Authentication on Electronic Payment System for Secure E-Wallet Apps." Electronics 11, no. 1 (December 21, 2021): 4. http://dx.doi.org/10.3390/electronics11010004.
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E-wallets are a modern electronic payment system technology that easily recognize consumer interest, making our transactions very convenient and efficient. E-wallets are intended to substitute the existing physical wallet, which may tell others something about us as a person. That is why using a physical wallet is a unique, personal experience that cannot be duplicated. A solution would be to replace the physical wallet with an e-wallet on an existing mobile device. The personal nature of the e-wallet is that it should be installed on a unique device. One of the fundamental protections against any illegal access to e-wallet application is through authentication. In particular, the fundamental authentication category used in an existing e-wallet is based on knowledge (i.e., what you know), ownership (i.e., what you have), and biometric (i.e., what you are) authentication, which are sometimes prone to security threats such as account takeover, sim swapping, app cloning, or know your customer verification attacks. The design of an e-wallet authentication on mobile device solution must take into consideration the intensity of the security. To address this problem, this study proposes a design of e-wallet apps with an extension security element that focuses on the device identity in the existing user authentication mechanism. This study covers four fundamental categories of authentication: password, one time password, fingerprints, and international mobile equipment identifier. Using IMEI limits an e-wallet to be in one specific device in one time; this brings it into line with the nature of a physical wallet. In addition, it will be ready to handle the mentioned threats above, which will ultimately result in the far more reliable to use of e-wallet apps. The proposed authentication design has two phases, a registration phase and an authentication phase. The proposed method has been developed and implemented based on an Android Studio Firebase real-time database management and PayPal. In addition, the complete design has been evaluated using functional requirement testing to see how closely it meets functionality requirements. The results obtained from functional testing show that the functionalities of the proposed method meet the requirements, and one cannot use a same account on two devices; hence, it is secure from attacks. The result also shows that the proposed method has no errors. Moreover, it has been shown that our proposed method has better security parameters in terms of the existing method.
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Budiman, Almi, and Baruna Hadibrata. "Technology Acceptance Model Modification for Electronic Wallet Users in Jakarta." Modern Economics 26, no. 1 (June 20, 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 expanding payment services, and several latest e-wallet applications have emerged. Purpose. The purpose of this research is to understand the changes in consumers’ behavior that make payments from using cash and switching to electronic wallets. Results. The results of the analysis in this study were obtained as the below: (1) Perceived ease of use, perceived usefulness, perceived security, and perceived risk and trust have an influence on the intention to use e-wallet electronic application; (2) perceived ease of use and perceived risk have an influence on perceived usefulness of e-wallet user and (3) perceived ease of use, perceived risk, and perceived usefulness influence the perceived trust of e-wallet application users. Conclusions. It can be concluded that the technology acceptance model influences the user in using the electronic wallet as their transaction method since its usage can be trusted. Moreover, the benefit they got from electronic wallet (perceived usefulness) influence their trust and increase the intention of using an electronic wallet
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Le, Long Hoang, Giang Huong Duong, and Sang Minh Nguyen. "M-Wallet Adoption in Emerging Markets: A Combination of Technological, Behavioral and Financial Aspects in a Rational Choice Model." Perspectives on Global Development and Technology 21, no. 2 (September 9, 2022): 123–51. http://dx.doi.org/10.1163/15691497-12341621.
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Abstract The adoption of mobile wallets can help to advance financial inclusion and human development in emerging countries. Current literature on mobile wallet (m-wallet) adoption focuses on technological and behavioral aspects, but neglects the financial aspect, which highly influences the decision-making of low-income people. This study identified the impacts of all three aspects on m-wallet adoption behavior by including behavioral technology acceptance factors and financial-related factors into a research framework derived from rational choice theory. Drawing data from 214 respondents across four emerging countries, the findings reveal the positive effects of perceived ease of use, perceived usefulness, and network externalities on m-wallet adopting intention. Regarding financial factors, while perceived risk negatively affects adopting intention, the effect of price value on adopting intention is not confirmed. Finally, financial literacy is found to have both positively direct and moderating effects on the relationship of perceived risk and users’ adopting intention.
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Kapoor, Ashwarya, Rajiv Sindwani, and Manisha Goel. "Ranking Mobile Wallet Service Providers Using Fuzzy Multi-Criteria Decision-Making Approach." International Journal of E-Business Research 17, no. 4 (October 2021): 19–39. http://dx.doi.org/10.4018/ijebr.2021100102.
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The aim of this paper is to identify key dimensions of mobile wallet (m-wallet) service quality and to prioritize mobile wallet service providers on the basis of these dimensions. Based on extensive literature review and discussion with an expert, six key dimensions of m-wallet service quality, namely convenience, reliability and security, responsiveness, aesthetics, accessibility, and information quality/content, are proposed in this paper. Fuzzy TOPSIS approach is proposed to evaluate and rank mobile wallet alternatives. Four major mobile wallet players from the Indian market are prioritized on the basis of six key service quality dimensions. Examination of the literature indicates that this study is among the first attempts to identify m-wallet service quality dimensions as well as to prioritize mobile wallet alternatives using fuzzy TOPSIS. The findings will be valuable to academicians and practitioners alike. The key dimensions proposed in the paper will enlighten m-wallet service providers about the aspects of services to be focused on. Moreover, the fuzzy TOPSIS technique discussed in this paper will help m-wallet companies to compare them with their competitors. This will help managers to develop strategies to improve their services. On the academic front, the study will extend the knowledge base in the field of self-service technologies.
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Prasetya, Machmudin Eka, Intan Salwani Mohamed, Shuhaida Mohamed Shuhidan, and Gede Harja Wasistha. "The COVID-19 Pandemic as a Driving Force for E-Wallet Adoption in Indonesia." Business and Management Horizons 9, no. 2 (December 15, 2021): 40. http://dx.doi.org/10.5296/bmh.v9i2.19335.
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During the COVID-19 pandemic, e-payment systems, also known as cashless payment systems, have steadily evolved as a payment system instrument. Changes in payment methods, followed by a growth in digital payment systems, may be driving people to use e-wallets. The functions of an e-wallet are similar to those of an e-banking or mobile banking account, but an e-wallet gives greater convenience and simplicity of access while making payments. Because the use of e-wallets can help reduce the spread of COVID-19-causing coronaviruses, this study looks into the possibilities of increasing e-wallet usage while also increasing the use of digital payment and online transactions during the COVID-19 outbreak.
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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 (September 1, 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 contesting to develop new on this filed. As customers adopt E-wallet and M-wallet. As customers adopt E-wallet and M-wallet, they becoming a cybercrime target. E-wallet provides a monetary action through smartphones which is fruitful freedom for electronic crimes. Quality of the system, quality of service and quality of information has to improve by the mobile wallet service providers for their M-wallet applications.
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Effendy, Femmy, Vanessa Gaffar, Ratih Hurriyati, and Heny Hendrayati. "ANALISIS BIBLIOMETRIK PERKEMBANGAN PENELITIAN PENGGUNAAN PEMBAYARAN SELULER DENGAN VOSVIEWER." Jurnal Interkom: Jurnal Publikasi Ilmiah Bidang Teknologi Informasi dan Komunikasi 16, no. 1 (April 28, 2021): 10–17. http://dx.doi.org/10.35969/interkom.v16i1.130.
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This study examines trends in research developments with the topic of the use of mobile payments, e-wallets. The study aims to determine: (1) the development of the number of international publications on the use of mobile payments, w-wallets on the Scopus database from 2016-2020; (2) core journals in international publications on the use of mobile payment mobile payments, e-wallets (3) maps of development of international research publications in the field of use of mobile payment mobile payments, e-wallets based on keywords (co-word). The data was collected by searching through Scopus with the keywords mobile payment, mobile, payment, e-wallet, electronic swallow, with the categories article title, abstract, keywords in the period 2016-2020. Data in the form of number of publications per year, journals containing articles on mobile payment, mobile, payment, e-wallet, electronic swallow, and subjects were analyzed using Microsoft Excel. Meanwhile, the topic mapping trend was analyzed using the VosViewer software. The results showed that the highest growth in 2016-2020 indexed in Scopus occurred in 2020 which reached 82 publications (30.5%). Most international publications are published in IEE journals with 12 articles. The results show that the research topic of mobile payments or e-wallets is still dominated by the use of the Technology Acceptance Model (TAM) theory, Trust and perceived usefulness are still the most research variables, the choice of using survey methods, with Structural Equation Model analysis tools. (SEM) especially PLS (partial least square), is dominated geographically in research in developing countries. For further research, the authors suggest the need for additional keywords so that more research results are more accurate and comprehensive.
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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 (October 29, 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 Technology 2 (UTAUT2) Model. It offers theoretical contributions by extending UTAUT2 with social connectedness and culture. Empirical data from 139 Indonesian customers were used to test the proposed model using partial least square structural equation modeling. It was found that performance expectancy, hedonic motivation, price value, and habits significantly influence customers’ intention to adopt mobile wallet. This study also found that social connectedness significantly affects performance expectancy and effort expectancy. The findings of this study would also be beneficial for mobile wallet providers to develop effective strategies to increase the use of mobile wallet in Indonesia.
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Agarwal, Sumit, Wenlan Qian, Bernard Y. Yeung, and Xin Zou. "Mobile Wallet and Entrepreneurial Growth." AEA Papers and Proceedings 109 (May 1, 2019): 48–53. http://dx.doi.org/10.1257/pandp.20191010.
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Using mobile wallet and card transaction data from a leading Singapore bank, this paper studies the effect of a mobile wallet payment technology introduction in 2017 on business growth. We find that mobile wallet usage doubled after the new technology introduction, and the improved payment efficiency generated a significant spillover effect. Small merchants experienced a monthly increase in debit and credit card sales amount (count) of 3.5 percent (3.4 percent) compared to large merchants. The payment technology promoted sales growth primarily for new businesses by facilitating customer acquisition.
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Ahamad, Shaik Shakeel, V. N. Sastry, and Siba K. Udgata. "A Secure Mobile Wallet Framework with Formal Verification." International Journal of Advanced Pervasive and Ubiquitous Computing 4, no. 2 (April 2012): 1–15. http://dx.doi.org/10.4018/japuc.2012040101.
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This paper proposes a Secure Mobile Wallet Framework (SMWF) using WPKI (Wireless Public Key Infrastructure) and UICC (Universal Integrated Circuit Card) by defining (a) a procedure of personalizing UICC by the client, (b) a procedure of provisioning and personalization (Mutual Authentication and Key Agreement Protocol) of Mobile Payments Application (which is on UICC) by the Bank and (c) our proposed mobile wallet is will have mobile wallet manager managed by CA (acting as TSM), every mobile application is independent, protected by firewalls and encrypted data is stored in the mobile wallet application. Their proposed Mobile Wallet ensures end to end security. The authors’ proposed SMWF is compared with recent works and found to be better in terms of generating client’s credentials, implementation of WPKI in UICC, personalization of mobile payment application by the bank and in ensuring end to end security (i.e., from Mobile Payments Application in UICC to the Bank Server). The proposed mobile payment protocol originating from Mobile Payment Application (which is on UICC) to the Bank Server realizes Fair Exchange ensures Confidentiality, Authentication, Integrity and Non Repudiation, prevents double spending, over spending and money laundering, and withstands replay, Man in the Middle (MITM) and Impersonation attacks. Proposed mobile payment protocol is formally verified using AVISPA and Scyther Tool and presented with results.
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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 (May 31, 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 affecting the adoption and usage of mobile wallet was analysed by using ANOVA to get the statistical result from data collected.
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LAcap, Jean Paolo G. "Exploring Mobile Wallet Adoption in the Philippines: A Partial Least Squares Path Modelling Approach." Proceedings of The International Halal Science and Technology Conference 15, no. 1 (December 8, 2022): 14–23. http://dx.doi.org/10.31098/ihsatec.v15i1.590.
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Underpinned on the technology acceptance model (TAM) and cognition-affect-behavior (CAB) model, the present undertaking aims to examine the factors affecting the perceived satisfaction of users towards mobile wallet services, and how perceived satisfaction leads to the intention to recommend the said technology to others. Using purposive sampling, the identified respondents were composed of active users of the leading mobile wallet in the Philippines (n = 749). To measure the hypothesized relationships, structural equation modelling via partial least squares was utilized. The results reveal that perceived ease of use, perceived usefulness, perceived risk, and attitude have a significant effect on mobile wallet users’ perceived satisfaction. It was also found that perceived satisfaction and trust translate to users’ intention to recommend mobile wallets to others. Moreover, perceived satisfaction and trust were identified to be significantly and directly related. Regarding mediation analysis, the results show that trust has an indirect effect on the relationship between perceived satisfaction and intention to recommend. Similarly, the results showed the mediating role of perceived satisfaction on the links between the exogenous variables – perceived ease of use, perceived usefulness, perceived risk, and attitude, and intention to recommend (endogenous variable). And lastly, it was found that technological stress and social influence do not moderate the link between perceived satisfaction and intention to recommend.
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Sinurat, Erickh Martua, and Liem Bambang Sugiyanto. "Pengaruh Perceived Usefulness, Perceived Ease of Use dan Promosi Penjualan melalui Mediasi Attitude Toward Using dan Perceived Security terhadap Behavioral Intention to Use (Studi Empiris: Pengguna Mobile Wallet di Jakarta)." Business Management Journal 18, no. 1 (April 21, 2022): 17. http://dx.doi.org/10.30813/bmj.v18i1.2820.
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<p><em> </em><em>The purpose of this study is to analyze the effect of sales promotion</em><em>(SP)</em><em>, perceived usefulness</em><em>(PU)</em><em>, perceived ease of use</em><em>(PEU)</em><em>, perceived security</em><em>(PS)</em><em>, and attitude toward using</em><em>(ATU)</em><em> towards behavioral intention to use</em><em>(BIU)</em><em> among mobile wallet users in Jakarta.</em><em> </em><em>This study uses a quantitative approach and uses structural equation models. In this study using 225 respondents with the provisions of mobile wallet users who live in Jakarta or in their daily activities in Jakarta. The data obtained were analyzed using the Structural Equation Model using AMOS.</em><em> </em><em>The results of this study indicate that </em><em>PU</em><em>, </em><em>PEU</em><em> has a fairly strong influence on </em><em>ATU</em><em>, then </em><em>ATU</em><em> also has a positive and significant effect on </em><em>BIU</em><em>. Furthermore, it has been found that </em><em>ATU</em><em> can mediate </em><em>PU</em><em> and </em><em>PEU</em><em> on </em><em>BIU</em><em>. Next, </em><em>SP</em><em> is the only independent variable that directly has a positive and significant influence on </em><em>BIU</em><em>. Through the results of this study also shows that sales promotion provides the largest contribution to behavioral intention to use, that mobile wallet users are happy with the sales promotion factor on the mobile wallet. Furthermore, based on the results of this study it also shows that perceived usefulness, perceived ease of use, and perceived security have no direct influence on behavioral intention to use.</em><em> </em><em>The limitations in this study are the use of mobile wallets which are used as respondents who live in Jakarta or have daily activities in Jakarta and the limited number of research objects.</em><em> </em><em>The implication of this research is to provide recommendations that mobile wallet service providers can increase behavioral intention to use on mobile wallets by increasing and implementing the right strategy on sales promotion, then through attitude toward using can also increase behavioral intention to use on mobile wallets, namely by paying attention to the features of the mobile wallet service that are easily understood by users.</em></p>
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Ghoynaqi, Ria Ida Maf’ula, and Defi Insani Saibil. "Generation Z's Interest in Digital Wallet Payments in Islamic Mobile Banking During a Pandemic." AL-ARBAH: Journal of Islamic Finance and Banking 4, no. 2 (October 9, 2022): 189–202. http://dx.doi.org/10.21580/al-arbah.2022.4.2.15147.
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Purpose - This research was conducted to see interest in digital wallet payments in mobile banking applications using the TAM and TPB theories.Methods - This study tested the hypothesis using Structural Equation Modeling (SEM) with the SmartPLS 3.0 application.Results - The results showed that there was a positive influence on perceived ease of use, perceived usefulness, and subjective norms and significant on intention to use. Meanwhile, attitudes do not affect the intention to use Islamic mobile banking. So attitude is not a factor in Generation Z's intention to use mobile banking in digital wallet transactionsImplications - The population in this study is the Z generation which is carried out in the Special Region of Yogyakarta. A total of 111 respondents used purposive sampling method in determining the population sample.Originality - Respondents in this study have criteria, namely users of Islamic mobile banking and generation Z digital wallets conducted in the Special Region and during the Covid-19 pandemic.
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Ramadhan, Didit, Ratih Hurriyati, and Lisnawati Lisnawati. "ANALISIS PERILAKU ADOPSI TEKNOLOGI MOBILE WALLET MENGGUNAKAN MODEL UNIFIED THEORY OF ACCEPTANCE AND USE OF TECHNOLOGY3 (UTAUT3) (Survei Pengguna OVO pada Generasi Milenial di Indonesia)." Journal of Business Management Education (JBME) 4, no. 3 (December 15, 2019): 23–29. http://dx.doi.org/10.17509/jbme.v4i3.18659.
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The development of technology has triggered developments in all industrial sectors, including circulation of money. There are three types of money currently circulating, namely currency, demand deposits and e-money. OVO is one of the server-based e-money publishers that can be accessed via a smartphone or commonly known as a mobile wallet. The low number of mobile wallet (m-wallet) users in Indonesia is interpreted from the number of people who use cash compared to m-wallets. Several factors influence the low use of m-wallet in Indonesia. Millennials are considered the generation closest to technology, the presence of new technology is a necessity that is owned by millennials. With this millennial generation, it is expected to be able to improve the performance or effectiveness of the presence of this m-wallet. The type of research used is descriptive verification, namely by describing and exposing the variables studied and then drawing conclusions. The research object is the variable found in the UTAUT3 model. The population in this study were OVO users in Indonesia. Sampling in this study uses non-probability sampling (random sampling) using a purposive sampling technique for 114 OVO users in the millennial generation in Indonesia. Instrument test is done by validity test and reliability test and the analysis technique used is analysis of Structural Equation Modeling based on Partial Least Square (SEM-PLS).
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Andrew, Jasmine Vivienne, Sylvia @. Nabila Azwa Ambad, and Karen Esther Tan. "A Model of Factors Influencing Consumers’ Intention to Use e-Wallet System in Malaysia: A Systematic Review." Malaysian Journal of Business and Economics (MJBE) 6, no. 2 (February 21, 2020): 53. http://dx.doi.org/10.51200/mjbe.v0i0.2172.
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Mobile payment technology specifically e-wallet is receiving growing attention recently in light of the government’s initiative to build a cashless society. The e-wallet phenomena are becoming more apparent in Malaysia, however, it is growing at a rate slower than its regional peers. Due to the rapid development of this technology, organisations and consumers are also concerned about rising security issues. Technological advancement in the e-commerce industry and the ubiquity of smartphones has helped to propel the need to study the intention to use e-wallets. As the e-wallets markets further expected to increase exponentially in Malaysia, it is crucial to study the consumers’ behavioural intention to use e-wallets for the benefits of the e-wallets service provider in Malaysia. Correspondingly, this paper presents a review of the literature aimed at advancing the body of knowledge by proposing a conceptual model combining the theories of; the extended unified theory of acceptance and use of technology (UTAUT2) with perceived security and behavioural intention. This paper is built upon a systematic literature review method and it is expected that researchers can have a more precise justification of the consumer behavioural intention to use e-wallet in Malaysia. This paper provides practical implications for the extension of UTAUT2 theory with perceived security and subsequently assist e-wallet service provider when devising appropriate strategies in planning and increasing consumer’s intention to use the e-wallet.
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M, Renukadevi, and Hema G. A. "A Study on Consumer Perception Towards Mobile Wallet with Special Reference to Coimbatore City." BOHR International Journal of Finance and Market Research 1, no. 1 (2020): 17–20. http://dx.doi.org/10.54646/bijfmr.003.
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India is a fast becoming country of mobile and internet. Government of India initiative such as “Digital India”, in future our country will become cashless economy. Due to advancement of technology, man becomes more convenient and comfortable. Mobile Wallet is a platform for making payment through mobile. There are various applications available like google pay, paytm citrus, etc. by using of such platforms payment can become more easy for online shopping, money transfer, utility bill payment, etc. Through mobile payment is very convenient and more secure to the public. Here, is an attempt to make a study on how the mobile wallet used by the consumers and their perception and satisfaction level towards using of such m-wallet payment gateways.
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Barakat, Samer, Qais Hammouri, and Khalil Yaghi. "COMPARISON OF HARDWARE AND DIGITAL CRYPTO WALLETS." Journal of Southwest Jiaotong University 57, no. 6 (December 30, 2022): 380–86. http://dx.doi.org/10.35741/issn.0258-2724.57.6.36.
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This article compares hardware and digital wallets, a new technology method for storing cryptocurrencies such as bitcoin and Ethereum. The crypto wallets reside on a user’s computer or mobile device or can reside on a flash drive, as in the case of hardware wallets. The comparison method used is based on the security and integrity of both types of wallets. Additionally, the authors will look at the most important factors that should ensure a high level of social acceptability of the new hardware and digital wallets. The use of digital wallets manifests itself in various ways. The ease of use of being able to complete a transaction in a matter of seconds. The speed with which the transactions are executed reflects the efficiency. This paper discusses the current state of digital wallets on the market, better options for purchasing and using digital wallets, digital wallet security, and future trends in their development, and concludes that both cryptocurrency wallets have advantages and drawbacks. However, hardware wallets are much more secure, but their capabilities are confined. A software wallet is much more convenient to use than a hardware wallet because it can be connected at any time. This novel investigation shows that both wallets are very secure and appropriate for use, as the additional costs of Hardware wallets are minor compared to the costs of paying with actual cash.
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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 (July 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 WeChat wallet customers' stickiness. To this end, a questionnaire, with Likert scale items, was administered to 450 Chinese and foreigners in China. The authors measured their model's reliability and validity using composite reliability, convergent validity, and discriminant validity. The study applied the common latent factor approach to test the common method bias. Structural equation modeling and SPSS were used for data analysis. The study reveals that perceived availability of merchant support, convenience, social influence, and red envelope (traditional Chinese culture for sharing monetary values during festivals and special events) preference promote consumers' stickiness behaviors to WeChat wallet. In addition, perceived security insignificantly moderates the relationships between convenience/social influence and consumers' stickiness. This study gives scholars an important research avenue to explore further the relationships between traditions and diffusion of technology.
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Alam, Md Mahmudul, Ala Eldin Awawdeh, and Azim Izzuddin Bin Muhamad. "Using e-wallet for business process development: challenges and prospects in Malaysia." Business Process Management Journal 27, no. 4 (May 25, 2021): 1142–62. http://dx.doi.org/10.1108/bpmj-11-2020-0528.
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PurposeThis study aims to explore the challenges and prospects of using e-wallets in Malaysia, and what it means for businesses and customers. Suggested here are strategies to leverage the strengths and opportunities as well as overcome the weaknesses and threats. Suggested here are strategies to leverage the strengths and opportunities as well as overcome the weaknesses and threats.Design/methodology/approachThis study analyses the e-wallet phenomenon using a SWOT (Strengths, Weaknesses, Opportunities and Threats) analysis to assess Malaysian business development. It is supported with findings from the literature and secondary data. The relevant secondary data were collected from Bank Negara Malaysia and the World Bank.FindingsThis study shows that e-wallets in Malaysia have still not achieved their purpose but there is huge potential to do so. The SWOT analysis identified several strengths (e.g. financial incorporation, easy to access, protection and safety, simple for other accounts to connect to, product and consumer service management, quick to implement/administer), weaknesses (e.g. lack of infrastructure and the “tapping” of devices already cornered by the mobile phone market, opportunities (e.g. eliminating fraud, better customer service, promotion/loyalty that can be built into customer experience) and threats (e.g. attacks from viruses, frequent inquiries whether multiple wallets can be used by clients, the concerns of reckless spending behaviour of the e-wallet users).Research limitations/implicationsThis study is crucial for assessing the current situation and the prospects of e-wallets in Malaysia. This study also offers significant insights for policymakers and e-wallet service providers to develop appropriate strategies to enhance e-wallet services in Malaysia.Originality/valueThis paper is the first of its kind to integrate a SWOT analysis and the rapid development of the e-wallet market in Malaysia. Hence, the findings could broaden our knowledge on the fintech industry and enable firms to participate in the e-wallet market.
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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 (February 16, 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 payment and willingness to pay. Design/Methodology/Approach: The research uses 225 sample in Indonesia collected by direct online approach and contingent valuation method open-ended question to digital payment user that use both applications provided by bank institution and digital wallet service. Findings: The result implies that the willingness-to-pay for mobile banking to another bank transaction fee is lower than the actual price and willingness-to-pay for the digital wallet to bank transaction fee is higher than the average real price. Research, Practical & Social Implications: Consumer needs more security aspect on mobile banking transaction but tends to use the digital wallet as their transaction preference due to the promotions and life-service application integrated. As a premium account for digital wallet existed, the consumer tends to demand more on facilities and access to maximum limit of balance on digital wallet. Originality/Value: This study compares the consumer preferences for mobile banking and digital wallet brands accessed in Indonesia. All the respondents of the survey are bank and digital wallet users.
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Amoroso, Donald, and Pajaree Ackaradejruangsri. "How Consumer Attitudes Improve Repurchase Intention." International Journal of E-Services and Mobile Applications 9, no. 3 (July 2017): 38–61. http://dx.doi.org/10.4018/ijesma.2017070103.
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In this research, we study factors such as perceived ease of use, perceived usefulness and personal innovativeness in order to understand the consumer attitude construct to affect loyalty, satisfaction and repurchasing intention of mobile wallet applications in Thailand. We developed a research model based upon previous research where we propose and examine seven constructs. In general, thirteen out of fifteen hypotheses are supported by variables related to mobile technology adoption, usage and retention with the 461 Thai consumers sampled. Personal innovativeness, perceived usefulness, and perceived ease of use strongly loaded on consumer attitudes for mobile wallet applications as originally hypothesized. It was found that consumer attitudes are the key factor that drives satisfaction, increases loyalty and improves repurchase intention of mobile wallet applications in Thailand.
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Aprilia, Cut, and Rizki Amalia. "How Perceived Security Influences Continuance Intention to Use Mobile Wallet." Jurnal Minds: Manajemen Ide dan Inspirasi 9, no. 2 (December 12, 2022): 271–88. http://dx.doi.org/10.24252/minds.v9i2.30083.
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This study's primary goal is to examine the effect of perceived security on mobile wallet users’ continuance intention using the Cognitive Model. A survey was conducted, and 230 responses from mobile wallet users were collected through the distribution of online-questionnaire. The data was analyzed using Partial Least Square- Structural Equation Model (PLS-SEM). This study revealed that perceived security directly correlates with satisfaction and attitude but not with users’ continuance intention. However, perceived safety still has a critical role in users’ decision to continue using the mobile wallet since this study found that satisfaction and attitude lead to users’ continuance intention. Moreover, happiness is also the predictor of users’ perspectives.
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Honak, Ihor, and Stepan Babii. "TYPES OF CRYPTOCURRENCY WALLETS." INNOVATIVE ECONOMY, no. 1 (2022): 95–103. http://dx.doi.org/10.37332/2309-1533.2022.1.13.
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Purpose. The aim of the article is to study types of cryptocurrency wallets, their features and advantages. Methodology of research. The following special research methods were used during the writing of the article: direct observation was carried out – collection of information about the number of addresses and the value of Bitcoin crypto-coins; the graphic method of constructing the Lorenz curve is applied; generalization – in the process of formulating conclusions based on the results of the conducted analysis. Findings. It has been established that when carrying out cryptocurrency business in any form (mining, trading, investing), in order to receive or send cryptocurrency coins, it is necessary to register a cryptocurrency wallet, which is a tool that can be used to interact with the blockchain network, and has an address that is an alphanumeric identifier created on the basis of public and private keys (such an address is, in fact, a “place” in the blockchain where it is possible to send cryptocurrencies). It was found that there are a large number of different wallets on the cryptocurrency market, which can be divided into five groups: electronic wallets (web wallets), which are created on cryptocurrency exchanges or online exchanges; desktop cryptowallets, which is a program that is downloaded and run locally on a personal computer and this program can be downloaded from public sites (desktop wallets are of two types: “thin” (crypto wallets enable the crypto user to quickly carry out transactions, however, have a limited amount of options) and “thick” (represent a full-fledged program with a significant amount of functions and, in particular, with the possibility of mining); smartphone versions (mobile wallets) have advantages and disadvantages similar to desktop cryptowallets; hardware cryptocurrency wallets, which is a physical electronic device, uses a random number generator (RNG) to generate public or private keys and can be stored in the device itself, not connected to the Internet (is a type of cold crypto wallet and is recognized as practically the safest crypto wallet); crypto wallets on a paper medium - mediums the size of a banknote, on which a private key in the form of a QR code and a public access key (crypto address) are placed, and in order to carry out transactions with cryptocurrency coins, these codes must be scanned. Originality. The basic requirements for ensuring the optimal security of an economic entity in working with cryptocurrency wallets have been formed, compliance with which will enable: secure access to the cryptocurrency wallet; withdrawal address management; ensuring effective protection of private access keys to the cryptocurrency wallet. Practical value. In the author’s opinion, with insufficient study of the advantages and disadvantages of various cryptocurrency wallets and non-compliance with security rules when registering a crypto wallet and accessing it, restoring unhindered access to wallet assets will be problematic due to the extremely strong protection of cryptocurrency wallets from cyber criminals. The obtained research results will be useful for application in the practical activities of conducting cryptocurrency business. Key words: cryptocurrency, cryptocurrency wallet, crypto wallet, Bitcoin, cold crypto wallet, hot crypto wallet.
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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 (October 19, 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 to perceived enjoyment. The study also showed that trust followed by compatibility has a more powerful influence on the behavioural intention of tourists in the context of M-payment. The present study is limited to only six M-wallet and that too limited to the certain age category, namely 18–25 in Gwalior city of India. Understanding the different dimensions of behavioural intentions can help M-wallet players to win the trust of tourists and enhance the frequency to use M-wallet for M-payment. The results indicate that M-wallet service providers should consider and manage all affecting factors proactively as mechanisms for intention to use M-wallet. It will establish a behavioural intention model of M-wallet users that can help organizations to manage the formation of behavioural intentions of their users.