Title: Intention to use mobile wallets: an application of the technology acceptance model

Authors: Rishabh Shekhar; Uma Pricilda Jaidev

Addresses: VIT Business School, Vellore Institute of Technology, Vellore, Tamil Nadu 632014, India ' VIT Business School, Vellore Institute of Technology, Vellore, Tamil Nadu 632014, India

Abstract: The research aim is to determine the factors influencing the mobile wallet adoption. Constructs namely personal innovativeness, perceived enjoyment, and perceived self-efficacy were included in the technology acceptance model. The effect of the personal innovativeness, perceived enjoyment, perceived usefulness, perceived ease of use, and attitude towards using were examined. Age, gender, usage, and experience were introduced as the moderating variables in the model. The mediating effect of perceived usefulness was also studied using the procedure specified by Baron and Kenny in 1986. The findings of this study revealed that personal innovativeness, perceived enjoyment is associated with the perceived ease of use, perceived enjoyment and perceived ease of use was found to influence perceived usefulness. Attitude towards using is influenced by Perceived usefulness and Perceived ease of use. Behavioural intention is influenced by attitude towards using. The moderating effects of age, gender and experience were not significant. Theoretical, practical implications and future research directions are discussed.

Keywords: mobile wallet payment service; technology acceptance model; structural equation modelling; multi-group analysis.

DOI: 10.1504/IJAMS.2022.10032685

International Journal of Applied Management Science, 2022 Vol.14 No.3, pp.258 - 280

Received: 08 May 2019
Accepted: 04 Mar 2020

Published online: 31 Aug 2022 *

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