FACTORS OF RESISTANCE TOWARDS E-WALLET BY PEOPLE WHO AGED 40 AND ABOVE IN MALAYSIA

Publication Date : 19/09/2021


Author(s) :

CHEAH SU YING, CHUA YEE CHEN, FOO JIA ERN, TAN HUEY PENG.


Volume/Issue :
Volume 6
,
Issue 3
(09 - 2021)



Abstract :

Electronic-Wallet is also known as E-wallet or digital wallet is one of the applications that people used to make payments. According to a Mastercard Impact Study 2020, Malaysia leads other countries in South-East Asia in the usage of E-wallet at 40 percent. Although the number of Malaysians using E-wallet has increased from 2016 to 2020, the number of E-wallet users in Malaysians aged 40 and above is still lower than expected. Hence, this study aims to identify the factors of resistance and their relationships towards E-wallet by people aged 40 and above in Malaysia. The information obtained from this study can assist the E-wallet service providers, financial institutions, and also researchers who wished to explore further in this study. The model engaged in this study is the UTAUT model and the TRA model that focuses on six main factors that include NU1, NRA1, NPR1, NA1, NB1, and NS1 are the main variables. The research is quantitatively based via questionnaire and responded by 198 people aged 40 and above. The result shows that behavioral intention (DV) has a relationship with all the factors in this study with all the significant value of less than 0.05 in the ANOVA test.


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