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The Acceptance of E-Wallet Among Higher Education Students: A Case Study of Uitm Kelantan Students

Author

Listed:
  • Siti Haslini Zakaria

    (Faculty of Computer and Mathematical Sciences, Universiti Teknologi Mara Kelantan)

  • Nik Nur Amiza Nik Ismail*

    (Faculty of Computer and Mathematical Sciences, Universiti Teknologi Mara Kelantan)

  • Mardhiyah Ismail

    (Faculty of Computer and Mathematical Sciences, Universiti Teknologi Mara Kelantan)

  • Nurul Hafiza Ismail

    (Faculty of Computer and Mathematical Sciences, Universiti Teknologi Mara Kelantan)

  • Fadila Normahia Abd Manaf

    (Faculty of Computer and Mathematical Sciences, Universiti Teknologi Mara Kelantan)

Abstract

The rise of digital payment methods has changed the way people make financial transactions. The young generation, particularly the university students, increasingly utilize electronic wallets (e-wallets) in their daily lives due to its quickness, convenience, and contactless payments and transactions. There are several factors that influence the level of e-wallet acceptance among students. These include demographic traits like age and educational background, the ease of use, their degree of trust in the platform's security, and the service's usefulness. Here, the acceptance of e-wallets among higher education students, focusing on a case study of Universiti Teknologi MARA (UiTM) Kelantan is studied and explored. The study will provide insights into how social influence, perceived usefulness, and ease of use influence students' intention to use this technology. Using a quantitative research approach, data were gathered by distributing a Google Form to 105 students from UiTM Kelantan. The findings imply that the acceptance of e-wallet highly influenced by the social influence and perceived usefulness of the technology. Since the factors influencing the acceptance of e-wallets may vary in various countries, the continuous study of this technology will give insights on their implications on the economic and social of a particular region.

Suggested Citation

  • Siti Haslini Zakaria & Nik Nur Amiza Nik Ismail* & Mardhiyah Ismail & Nurul Hafiza Ismail & Fadila Normahia Abd Manaf, 2026. "The Acceptance of E-Wallet Among Higher Education Students: A Case Study of Uitm Kelantan Students," International Journal of Research and Innovation in Social Science, International Journal of Research and Innovation in Social Science (IJRISS), vol. 10(2), pages 7109-7119, February.
    • Handle: RePEc:bcp:journl:v:10:y:2026:i:2:p:7109-7119
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    References listed on IDEAS

    as
    1. Nurul-Ain Abdul-Halim & Ali Vafaei-Zadeh & Haniruzila Hanifah & Ai Ping Teoh & Khaled Nawaser, 2022. "Understanding the determinants of e-wallet continuance usage intention in Malaysia," Quality & Quantity: International Journal of Methodology, Springer, vol. 56(5), pages 3413-3439, October.
    2. Nashirah Abu Bakar & Sofian Rosbi & Kiyotaka Uzaki, 2020. "E-Wallet Transactional Framework for Digital Economy: A Perspective from Islamic Financial Engineering," International Journal of Management Science and Business Administration, Inovatus Services Ltd., vol. 6(3), pages 50-57, March.
    3. Noorshella Che Nawi & Abdullah Al Mamun & Naeem Hayat & Linda Seduram, 2022. "Promoting Sustainable Financial Services Through the Adoption of eWallet Among Malaysian Working Adults," SAGE Open, , vol. 12(1), pages 21582440211, January.
    4. Marvello Yang & Abdullah Al Mamun & Muhammad Mohiuddin & Noorshella Che Nawi & Noor Raihani Zainol, 2021. "Cashless Transactions: A Study on Intention and Adoption of e-Wallets," Sustainability, MDPI, vol. 13(2), pages 1-18, January.
    5. Jose Domingo García-Merino & Leire San-Jose & Nerea San-Martin, 2025. "Determinants in adopting cashless payments in Europe: a multilevel analysis," Financial Innovation, Springer;Southwestern University of Finance and Economics, vol. 11(1), pages 1-20, December.
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