Factors influencing intention to continue use of e-wallet: mediating role of perceived usefulness

Ajay Kumar, Piali Haldar and Sharad Chaturvedi

Vilakshan - XIMB Journal of Management, 2024, vol. 22, issue 1, 45-61

Abstract: Purpose - The extensive use of digital payment methods has made financial ecosystems more open and effective. As technology develops, the future of commerce is significantly shaped by digital payments and e-wallets. This study aimed to examine the influencing factors on the intention to continue use (ICU) of e-wallets. Design/methodology/approach - A sample of 246 respondents was employed in the data analysis using Smart-PLS 4. Data were collected from e-wallet users using convenience sampling from India. Online survey was conducted for data collection. Findings - This study found that consumers’ intention to continue use of e-wallets is positively influenced by perceived usefulness, perceived ease of use and rewards. Also, perceived usefulness (PU) shows a significant partial mediating role between perceived ease of use (PEOU), rewards (RW) and ICU. However, it shows a fully mediating role between perceived enjoyment (PEJ) and intention to continue use (ICU). Originality/value - E-wallet providers should emphasize to provide easy to use e-wallet applications but with rewards. This study added knowledge to the existing literature focusing on the influence of perceived ease of use and rewards on intention to continue use of e-wallets through perceived usefulness, which was not previously tested empirically.

Keywords: Rewards; Perceived usefulness; E-wallet; Intention to continue use (search for similar items in EconPapers)
Date: 2024
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Persistent link: https://EconPapers.repec.org/RePEc:eme:xjmpps:xjm-12-2023-0243

DOI: 10.1108/XJM-12-2023-0243

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