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An Empirical Analysis of Consumers’ Behaviour in Selecting and Adopting E-wallet Services in Indonesia

Hukama, Adinata Trisandiputra (2022) An Empirical Analysis of Consumers’ Behaviour in Selecting and Adopting E-wallet Services in Indonesia. Masters thesis, Dublin, National College of Ireland.

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With recent developments in technology, there has been a noticeable shift of consumers’ behaviour towards cashless transactions as a result of the expansion in FinTech products such as e-wallets. The purpose of this study is to analyse key determinants of consumers’ behaviour in selecting and adopting e-wallet services across Indonesia by integrating TAM and UTAUT models for explaining the underlying significant factors. This research was carried out using SEM by applying two-step approach involving measurement model for reliability test, convergent validity and discriminant validity; as well as structural model for path analysis to determine causal relationships between factor constructs. The findings revealed that behavioural intention, perceived ease of use, performance expectancy and facilitating conditions have significant influence on actual usage of e-wallet services. Additionally, simplicity in setting up account is discovered to be a significant aspect that contributes positively towards perceived ease of use. The present study also provides resourceful implications for e-wallet stakeholders to better enhance current digital payment system, as well as assisting policymakers to develop strategies/frameworks in facilitating cashless society.

Item Type: Thesis (Masters)
Subjects: D History General and Old World > DS Asia
H Social Sciences > HF Commerce > Marketing > Consumer Behaviour
H Social Sciences > HG Finance > Banking > E-banking
H Social Sciences > HF Commerce > Electronic Commerce
Divisions: School of Computing > Master of Science in FinTech
Depositing User: Clara Chan
Date Deposited: 04 Nov 2022 18:19
Last Modified: 04 Nov 2022 18:19

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