IDEAS home Printed from https://ideas.repec.org/h/spr/advbcp/978-94-6463-801-1_7.html

Facilitating Fintech Growth: How Perceived Ease of Use and Trust Drive E-Wallet Acceptance Among Low-Income Consumers

In: Proceedings of the 9th Terengganu International Business and Economics Conference 2025 (TiBEC IX 2025)

Author

Listed:
  • Rohaiza Kamis

    (Universiti Teknologi MARA, Faculty of Business and Management)

  • Shafinar Ismail

    (Universiti Teknologi MARA, Faculty of Business and Management)

  • Nur Hayati Abd Rahman

    (Universiti Teknologi MARA, Faculty of Business and Management)

  • Hairul Nizwan Abd Majid

    (Universiti Teknologi MARA, Faculty of Hotel and Tourism Management)

Abstract

The research investigates the main elements that drive low-income users to adopt e-wallet solutions. The study used quantitative research methods to deliver a structured questionnaire through an online platform to West Malaysia’s targeted respondents. The research team gathered information through stratified random sampling techniques and analyzed 250 low-income e-wallet users with SmartPLS software. This research employs the Technology Acceptance Model and analyzes e-wallet acceptance as one dependent variable with perceived ease of use, security and trust serving as three independent variables. The study results show that higher perceived ease of use and higher trust leads to e-wallet acceptance. The study offers recommendations for e-wallet service providers while targeting marketers and academia, especially in the areas of policy development and management strategies. This research creates a framework to drive e-wallet adoption while identifying a research gap in fintech and key factors that affect e-wallet acceptability. The study presents specific guidelines for building a cashless society through its analysis of successful digital financial growth experiences in certain countries.

Suggested Citation

  • Rohaiza Kamis & Shafinar Ismail & Nur Hayati Abd Rahman & Hairul Nizwan Abd Majid, 2025. "Facilitating Fintech Growth: How Perceived Ease of Use and Trust Drive E-Wallet Acceptance Among Low-Income Consumers," Advances in Economics, Business and Management Research, in: Nur Azwani Mohamad Azmin & Nurmuslimah Kamilah Abdullah & Siti Fatimah Mardiah Hamzah & Suzila Mat S (ed.), Proceedings of the 9th Terengganu International Business and Economics Conference 2025 (TiBEC IX 2025), pages 80-92, Springer.
    • Handle: RePEc:spr:advbcp:978-94-6463-801-1_7
    DOI: 10.2991/978-94-6463-801-1_7
    as

    Download full text from publisher

    To our knowledge, this item is not available for download. To find whether it is available, there are three options:
    1. Check below whether another version of this item is available online.
    2. Check on the provider's web page whether it is in fact available.
    3. Perform a
    for a similarly titled item that would be available.

    More about this item

    Keywords

    ;
    ;
    ;
    ;

    Statistics

    Access and download statistics

    Corrections

    All material on this site has been provided by the respective publishers and authors. You can help correct errors and omissions. When requesting a correction, please mention this item's handle: RePEc:spr:advbcp:978-94-6463-801-1_7. See general information about how to correct material in RePEc.

    If you have authored this item and are not yet registered with RePEc, we encourage you to do it here. This allows to link your profile to this item. It also allows you to accept potential citations to this item that we are uncertain about.

    We have no bibliographic references for this item. You can help adding them by using this form .

    If you know of missing items citing this one, you can help us creating those links by adding the relevant references in the same way as above, for each refering item. If you are a registered author of this item, you may also want to check the "citations" tab in your RePEc Author Service profile, as there may be some citations waiting for confirmation.

    For technical questions regarding this item, or to correct its authors, title, abstract, bibliographic or download information, contact: Sonal Shukla or Springer Nature Abstracting and Indexing (email available below). General contact details of provider: http://www.springer.com .

    Please note that corrections may take a couple of weeks to filter through the various RePEc services.

    IDEAS is a RePEc service. RePEc uses bibliographic data supplied by the respective publishers.