School of Industrial Engineering and Engineering Management, Mapúa University, 658 Muralla St., Intramuros, Manila 1002, Philippines; School of Graduate Studies, Mapúa University, 658 Muralla St., Intramuros, Manila 1002, Philippines; Mechanical Engineering & Allied Department, Technological University of the Philippines, Western Bicutan, Taguig 1630, Philippines.
International Bachelor Program in Engineering, Yuan Ze University, 135 Yuan-Tung Road, Chung-Li 32003, Taiwan; Department of Industrial Engineering and Management, Yuan Ze University, 135 Yuan-Tung Road, Chung-Li 32003, Taiwan.
Acta Psychol (Amst). 2024 Oct;250:104526. doi: 10.1016/j.actpsy.2024.104526. Epub 2024 Oct 11.
The use of E-wallets in the Philippines experienced remarkable growth in recent years. This study investigated the key factors influencing the intention to use E-wallets among Generation Z and Millennials in the country, employing an extended Technology Acceptance Model (TAM) framework. A total of 500 respondents from these demographic groups participated in an online survey featuring 24 indicators, selected through a stratified sampling method. Using Partial Least Square - Structural Equation Modeling (PLS-SEM), the analysis revealed that perceived ease of use, perceived usefulness, social influence, attractiveness of alternatives, perceived trust, perceived security, and perceived value significantly influenced users' intention to adopt E-wallets. Notably, perceived trust emerged as a stronger predictor than perceived value. This research provided valuable insights into the factors shaping user intentions and consumer satisfaction, enhancing the understanding of E-wallet adoption in the industry. Furthermore, the incorporation of the extended TAM strengthened the theoretical framework for studying E-wallet adoption in developing countries like the Philippines.
近年来，电子钱包在菲律宾的使用呈显著增长趋势。本研究采用扩展的技术接受模型（TAM）框架，调查了影响该国 Z 世代和千禧一代使用电子钱包意愿的关键因素。共有 500 名来自这些群体的受访者通过分层抽样方法参与了一项在线调查，其中包含 24 个指标。通过偏最小二乘-结构方程建模（PLS-SEM）分析，结果表明感知易用性、感知有用性、社会影响、替代方案吸引力、感知信任、感知安全性和感知价值显著影响用户采用电子钱包的意愿。值得注意的是，感知信任比感知价值更能预测用户的使用意愿。本研究为影响用户意图和消费者满意度的因素提供了有价值的见解，增强了对电子钱包在该行业中采用的理解。此外，扩展 TAM 的纳入为研究像菲律宾这样的发展中国家的电子钱包采用提供了更强大的理论框架。
