The mediating effect of attitude on E-Wallet usage among users in Malaysia

Abdul Kadir, Hasnah and Ismail, Rizalawati and Wok, Saodah and Abdul Manan, Kamaruzzaman (2022) The mediating effect of attitude on E-Wallet usage among users in Malaysia. Journal of Communication Education (JCE), 2 (1). pp. 58-77. E-ISSN 2773-630X

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Abstract

Malaysia is moving towards a cashless society. The latest trend in a cashless society is e-Wallet, which has the ability to store personal information as well as financial status. The e-Wallet can efficiently replace the physical wallet (cash). The implementation of online Internet banking for a financial transaction is the starting point of e-Wallet in Malaysia. In 2017, e-Wallet is introduced to the public. This study tries to gauge the extent of e-Wallet usage in Malaysia. The objectives of the study are to (1) determine the level of usage, perceived usefulness, perceived ease-of-use, media influence, social influence, and attitude in using e-Wallet; (2) analyse the relationship between e-Wallet usage with internal and external factors; and (3) test mediating effect of attitude in using e-Wallet on the relationship between usage, internal factors, and external factors. The study uses a quantitative research design using a survey method with the questionnaire as the research instrument. A total of 436 respondents participated in the study. The study uses Technological Acceptance Model (TAM) to test for the mediating effect. The findings show that perceived ease-of-use is the highest level rated compared to other variables. The relationship between e-Wallet usage with the internal and external factors are all significant and positive. Furthermore, the attitude partially mediates the relationship between e-Wallet usage, internal factors and external factors. Hence, all hypotheses constructed are supported and TAM applies to the study of e-Wallet.

Item Type:	Article (Journal)
Uncontrolled Keywords:	Attitude, E-Wallet usage, Malaysia, mediating effect, Technology Acceptance Model
Subjects:	H Social Sciences > H Social Sciences (General) > H61.8 Communication of information
Kulliyyahs/Centres/Divisions/Institutes (Can select more than one option. Press CONTROL button):	Kulliyyah of Islamic Revealed Knowledge and Human Sciences > Department of Communication Kulliyyah of Islamic Revealed Knowledge and Human Sciences
Depositing User:	Prof. Dr. Saodah Wok
Date Deposited:	29 Mar 2022 15:01
Last Modified:	29 Mar 2022 15:01
URI:	http://irep.iium.edu.my/id/eprint/97387

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