Understanding the determinants of e-wallet continuance usage intention in Malaysia
Open accessAbstract
The present research aims to investigate the determinants of e-wallet continuance usage intention in Malaysia using extending Technology Continuance Theory (TCT) via examining four variables, namely price benefit, trust, habit, and operational constraints. This paper adopts a quantitative approach to collect data with non-probability sampling using the purposive sampling technique. An online survey was conducted and a total of 379 respondents submitted their answers. The obtained results have shown that continue use of e-wallet is not affected by perceived usefulness (PU) and trust. However, there is a significant influence associated with perceived ease of use (PEU), PU, and satisfaction toward user's attitude that, in turn, substantially impacts the users' intention to continue to use e-wallet. This is one of the prior studies exploring Malaysian's intention to continue using e-wallet, using the TCT model as the research framework, and through examining four variables adopted from the literature, including price benefit, habit, trust, and operational constraints. The practical implications for the service providers and policymakers from the present findings can be used to develop strategies to gain a sustainable, competitive advantage, and promote continuous intention of e-wallet usage.
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Perceived ease of use has a positive impact on Fintech adoption.
“The previous study has revealed that PEU has a positive impact on Fintech adoption [25-27].”
From Fintech Adoption Drivers for Innovation for SMEs in Indonesia (2022) · cites this paper as [26]
The Discussion sections on PEU and PU and on PEU and attitude report positive effects for Malaysian e-wallet users. The paper studies continued e-wallet use, however, rather than showing that perceived ease of use positively affects Fintech adoption generally. (LLM, conf=0.86)
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- Authors
- Abdul-Halim, N.-A., Vafaei-Zadeh, A., Hanifah, H., Teoh, A. P., & Nawaser, K.
- Affiliations
- Universiti Sains Malaysia (MY)
- Universidad de Lima (PE)
- Venue
- Quality & Quantity
- Published
- 2021-11-09
- Volume
- 56
- Issue
- 5
- Pages
- 3413-3439
- ISSN
- 0033-5177 (ISSN-L)
- 1573-7845
- PMC
- PMC8576795
- OpenAlex
- W3212040528
- Cited by
- 138
- References
- 75
- Citations by year
- 2026: 22 · 2025: 26 · 2024: 42 · 2023: 34 · 2022: 13 · 2021: 1
- FWCI
- 19.22
- Type
- journal article
- Language
- en
- Open access
- bronze
- doi.org
- Licence
- Locations
- Quality & Quantity (publishedVersion)
- PubMed Central (publishedVersion)
- PubMed (publishedVersion)
- RePEc: Research Papers in Economics (submittedVersion)
- LA Referencia (Red Federada de Repositorios Institucionales de Publicaciones Científicas) (submittedVersion, cc-by-nc-sa)
- Funders
- Webe Digital Sdn Bhd (304/PPAMC/6501220/W110)
- Topics
- Social Sciences › Decision Sciences › Information Systems and Management › Technology Adoption and User Behaviour
- Health Sciences › Health Professions › Health Information Management › Health, Technology, Consumer Behavior
- Social Sciences › Business, Management and Accounting › Marketing › Consumer Behavior and Marketing Influence
- Keywords
- digital wallets, continuance usage intention, technology continuance theory, trust, habit, operational constraints, perceived usefulness, perceived ease of use, user satisfaction, user attitudes, Malaysian consumers
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