BEHAVIORAL PATTERN OF USING MOBILE WALLETS2
Introduction
The new generation of banking system is getting digitalised and in the growth
of this modern era digital wallet is a significant invention. The objective of the report
is to find out the major factors influencing use of e-wallet and at what extent.
Moreover, it is found that young people are more attached to the digital world and
they find the e-wallet more convenient. So, the second objective is to find out the
difference in the average age of the user and the amount of use of e-wallet (Biucky
and Harandi 2017). Hence, the following research questions are developed:
RQ1: Is there any impact of usefulness, ease of use, perceived risk, self-efficacy,
attitude and anxiety on the intention to use the e-wallet?
RQ2: Is there any difference in the age of the users across different level of intention
to use the e-wallet?
Literature Review
There are studies that has found perceived usefulness and perceived ease-of-
use are the two major factors in the field of technological integration. The perceived
usefulness indicates a person’s extent of belief that use of mobile money can improve
the performance of that person. The features and services provided by the mobile
money can endorse the attitude. The higher intention of using mobile money can be
raised by the positive endorsement of attitude.
Mobile money, e-wallet and online transfer and payments has raised the
velocity of money which has significant economic impact. However, there are few
draw backs in this system due to difficulty in use and the lack of knowledge about the
cyber security (Biucky and Harandi 2017). So, this paper wants to investigate the
factors that has impact on using the e-wallet with all the convenience and
inconveniences from the consumers end. The self-efficacy represents the self-

Behavioral Pattern of Using Mobile Wallets

Contribute Materials

Related Documents

Department of Commerce and Financial Management Assignment 2022

Impact of Mobile Payments on Economy

+13062052269

info@desklib.com