Title: A study on adoption of mobile wallet: moderating role of gender

Authors: Arijit Goswami; Bhavna Prajapati; Archa Agrawal; Drishti Tibrewala

Addresses: ITM University, Sector 40, Uparwara, Nawa Raipur, Chattisgarh, India ' ITM University, Sector 40, Uparwara, Nawa Raipur, Chattisgarh, India ' ITM University, Sector 40, Uparwara, Nawa Raipur, Chattisgarh, India ' ITM University, Sector 40, Uparwara, Nawa Raipur, Chattisgarh, India

Abstract: The cashless economy is growing with ease of usage and its applicability. Mobile wallet helps in payment electronically with the use of a device. The modes of payment have shifted from traditional way to digital payment. Several factors like attitude, mobility, perceived usefulness, perceived ease of use, perceived security, and social influence encourage the customers to use mobile wallets. The paper aims to find out the various factors, which motivate people in the adoption of mobile wallets. To add more gender was used as moderating variable to investigate whether males and females are of the same opinion towards intention to use mobile wallets. A total of 238 respondents were administered by partial least square structural equational modelling (PLS-SEM) in Smart PLS version 3.3.2. The paper will be beneficial for all the e-wallet companies.

Keywords: cashless economy; digital payment; mobile wallet; social influence.

DOI: 10.1504/IJBG.2025.144862

International Journal of Business and Globalisation, 2025 Vol.39 No.3/4, pp.401 - 414

Received: 12 May 2021
Accepted: 19 Sep 2021
Published online: 06 Mar 2025 *

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