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The “e-Wallet Generation”: How Barriers and Promoting Factors Influence Intention to Use

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  • Thuy-vy Pham

    (University of Economics Ho Chi Minh City)

  • Nhu-Y Ngoc Hoang

    (University of Economics Ho Chi Minh City)

  • Hai-Ninh Do

    (University of Economics Ho Chi Minh City)

Abstract

Despite their young age, Generation Z has high awareness and experience of using e-wallets, otherwise known as digital wallets. However, research on users’ behaviours is often conducted in the context of the older Millennial generation, which has many different characteristics and behaviours in their use of the new technical e-wallet. This research aims to examine how technical barriers and promoting factors impact Generation Z’s intention to adopt an e-wallet service to hold their money and make frictionless payments. Based on the technology acceptance model (TAM), this study examines 170 Generation Z students who were born between 1995 and 2005. The results show that the relationship between promoting factors and intention to use the e-wallet has been mediated by perceived usefulness, while the barrier factor has a direct influence on intention to use.

Suggested Citation

  • Thuy-vy Pham & Nhu-Y Ngoc Hoang & Hai-Ninh Do, 2021. "The “e-Wallet Generation”: How Barriers and Promoting Factors Influence Intention to Use," The Review of Socionetwork Strategies, Springer, vol. 15(2), pages 413-427, November.
    • Handle: RePEc:spr:trosos:v:15:y:2021:i:2:d:10.1007_s12626-021-00088-3
    DOI: 10.1007/s12626-021-00088-3
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    References listed on IDEAS

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    Keywords

    E-wallet; Generation Z; TAM;
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