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Increasing E-Wallet Usage through Performance Expectancy and Perceived Enjoyment: Evidence from Working Adults in Klang Valley, Malaysia

Author

Listed:
  • Hasliza Hassan

    (Centre for Management and Marketing Innovation, COE for Business Innovation and Communication, Multimedia University, Cyberjaya, Selangor, Malaysia Author-2-Name: Anusuyah Subbarao Author-2-Workplace-Name: Centre for Management and Marketing Innovation, COE for Business Innovation and Communication, Multimedia University, Cyberjaya, Selangor, Malaysia Author-3-Name: Aysa Siddika Author-3-Workplace-Name: BRAC Business School, BRAC University, Merul Badda, Dhaka, Bangladesh Author-4-Name: Author-4-Workplace-Name: Author-5-Name: Author-5-Workplace-Name: Author-6-Name: Author-6-Workplace-Name: Author-7-Name: Author-7-Workplace-Name: Author-8-Name: Author-8-Workplace-Name:)

Abstract

" Objective - As the use of the internet and technology becomes integrated into modern lifestyles, various products and services have been digitalised, including e-wallets. With an ever-increasing number of users, this research explores potential ways to boost e-wallet usage through performance expectancy and perceived enjoyment. Methodology/Technique - A quantitative survey was distributed to working adults in the Klang Valley, Malaysia. A total of 142 responses were used for descriptive analysis and structural equation modelling. Findings - Both performance expectancy and perceived enjoyment influence the behavioural intention to continue using an e-wallet. Performance expectancy is more important than perceived enjoyment in ensuring the continuous use of the e-wallet. Novelty - The momentum of digitalisation in e-wallet usage can be further stimulated by emphasising performance expectancy and perceived enjoyment. It is expected that more people will move towards digital payment transactions, specifically by using e-wallets, if the system is reliable and convenient to use. Catching up with the industrial revolution may not be easy since there are always people who prefer to stay in the status quo. This research highlights potential ways to shape a digital nation. Type of Paper - Empirical"

Suggested Citation

  • Hasliza Hassan, 2026. "Increasing E-Wallet Usage through Performance Expectancy and Perceived Enjoyment: Evidence from Working Adults in Klang Valley, Malaysia," GATR Journals jmmr371, Global Academy of Training and Research (GATR) Enterprise.
    • Handle: RePEc:gtr:gatrjs:jmmr371
    DOI: https://doi.org/10.35609/jmmr.2026.11.3(5)
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    References listed on IDEAS

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    1. Viswanath Venkatesh, 2022. "Adoption and use of AI tools: a research agenda grounded in UTAUT," Annals of Operations Research, Springer, vol. 308(1), pages 641-652, January.
    2. Kiruthikasri Lakshmanan & Nagarajan Shanmugavel, 2025. "Investigation on the factors influencing the continuation intention to use digital wallet in the rural parts of India using extended UTAUT2," Asian Journal of Economics and Banking, Emerald Group Publishing Limited, vol. 9(1), pages 22-47, February.
    3. Shiv Kumar Gupta & Shashank Gupta & Rachana Jaiswal, 2026. "Mobile wallet adoption in tourism economies: the role of trust, incentives, and user behavior," Quality & Quantity: International Journal of Methodology, Springer, vol. 60(2), pages 3813-3845, April.
    4. Ju Jingnan & Poh-Chuin Teo & Theresa C.F. Ho & Chen Hooi Ling, 2023. "The behavioral intention of young Malaysians towards cashless society: Value-based adoption model," Cogent Business & Management, Taylor & Francis Journals, vol. 10(2), pages 2244756-224, December.
    5. Waseem Ahmad Khan & Zain Ul Abideen, 2023. "Effects of behavioural intention on usage behaviour of digital wallet: the mediating role of perceived risk and moderating role of perceived service quality and perceived trust," Future Business Journal, Springer, vol. 9(1), pages 1-15, December.
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    Keywords

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    JEL classification:

    • N75 - Economic History - - Economic History: Transport, International and Domestic Trade, Energy, and Other Services - - - Asia including Middle East
    • O14 - Economic Development, Innovation, Technological Change, and Growth - - Economic Development - - - Industrialization; Manufacturing and Service Industries; Choice of Technology
    • O32 - Economic Development, Innovation, Technological Change, and Growth - - Innovation; Research and Development; Technological Change; Intellectual Property Rights - - - Management of Technological Innovation and R&D
    • O33 - Economic Development, Innovation, Technological Change, and Growth - - Innovation; Research and Development; Technological Change; Intellectual Property Rights - - - Technological Change: Choices and Consequences; Diffusion Processes
    • Q55 - Agricultural and Natural Resource Economics; Environmental and Ecological Economics - - Environmental Economics - - - Environmental Economics: Technological Innovation

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