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可持续性之路从无纸化开始:使用串行调解方法使用电子钱包的意图的先例

Noorshella Che Nawi^1,2, Husna Sarirah Husin³, Noura Said Al-Jahwari⁴

¹Malaysian Graduate School of Entrepreneurship and Business, Universiti Malaysia Kelantan, Kelantan, Malaysia.

|February 1, 2024

概括

印尼电子钱包的采用受到信任,实用性和安全性的影响,而不是社会影响或易用性. 平衡用户友好性与强大的安全性是增加电子钱包使用的关键.

科学领域:

数字金融数字金融
消费者行为消费者行为
技术采用技术采用

背景情况:

印度尼西亚在电子钱包 (e-wallet) 服务方面呈现显著增长,有48个合法提供商和大量交易量.
了解影响电子钱包采用的因素对于金融包容性至关重要,并为印尼的市场战略提供信息.

研究的目的:

调查影响印尼成年人使用电子钱包 (电子钱包) 的意图的因素.
确定电子钱包采用的关键驱动因素和障碍,重点关注印尼背景下的调解因素.

主要方法:

进行了一项定量,横截面的研究,对印尼384名有效参与者进行了调查.
使用智能PLS 4.0的部分最小平方结构方程建模 (PLS-SEM) 用于分析数据.

主要成果:

促进条件,感知到的有用性,感知到的信任,兼容性,风险感知和对新技术的感知都对电子钱包采用意图产生了积极的影响.
社会影响和感知到的易用性并没有显著影响印尼样本中使用电子钱包的意图.

结论:

电子钱包提供商必须平衡系统的可用性和安全性,以促进用户的信任和采用.
调查结果为提供商和政策制定者提供了见解,以制定促进印尼广泛使用电子钱包的战略.

关键词:

兼容性兼容性兼容性电子钱包和印度尼西亚的意图感知到的易于使用.感知到的新技术感知到的风险感知到的风险感知到的信任感知到的信任

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