Articles de revues : « MOBILE WALLET SERVICES »

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Karthikeyan, K., et M. Dinesh Kumar. « A Comparative Analysis Study on Mobile Banking and Mobile Wallet Services in India ». ComFin Research 9, n^o 4 (1 octobre 2021) : 17–23. http://dx.doi.org/10.34293/commerce.v9i4.4307.

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Banking sectors are fully focused on Mobile Banking and Mobile wallets and engage in electronic device and apps initiatives by reducing physical activities in banking operations. Mobile Banking and Mobile Wallet practices perceived various electronic products and services to measures supporting private companies, public and private banking sector procedures to electronic management systems and reduction of fuel and cost proper utilization. They are the best performance and efficiency of Mobile Banking and Mobile Wallet in the key of elements in the financial system. The most important mobile banking services have been mentioned through Account Access, Balance Enquiry, E-Passbook, Account Statement, Fund Transfer, Bill Payment, Branch Locator, ATM Locator and Requests, etc. Mobile wallet’s procedure is to open a zero account to submit KYC for address proof rather than submit a mobile number—payment using a one-time password, pin code, or bar code. The funds are limited to transactions only. Most private companies, public and private sector banks are; Airtel Money, Axis Bank Lime, Citrus Pay, Freecharge, ICICI Pockets, Itz Cash, Jio Money, Mobikwik, Oxigen, mRuppee, Paytm, SBI Buddy, SpeedPay, Vodafone M-Pesa, etc. The awareness of mobile banking and mobile wallet products and services is ready for all people using modern banking activities. Mobile banking and mobile wallets reduce physical activities and use information technology devices for proper handling of banking websites and private company mobile apps etc. This relative study of Mobile Banking and Mobile Wallet shows that there are significant differences in the transactions of Mobile Banking and Mobile Wallet volume and value. Analysis simple percentages have been used to analyze and interpret the data on Mobile Banking and Mobile Wallet volume and value made in India during the study period of 2012-13 to 2018-19 (7 years).

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Shukur, Mohammed H., Reem J. Ismail et Laith R. Flaih. « Empower E-wallets Payment System by using A Hybrid Approach of Online and Offline Services ». Cihan University-Erbil Scientific Journal 6, n^o 2 (5 août 2022) : 23–27. http://dx.doi.org/10.24086/cuesj.v6n2y2022.pp23-27.

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Payment mechanisms are migrated to mobile devices as e-commerce grows, creating e-wallets. The current e-wallet payment solutions are based on online-connected smartphones. The transaction is completed using a mobile application, which requires a GPRS and Wi-Fi connection. People around the world are becoming more interested in e-wallets. Nevertheless, in Iraq, it grows slower than in other parts of the world after survey is done to ascertain the primary elements influencing Iraqis’ adoption of electronic wallets. This paper proposes a design of e-wallet Mobile app offering online to offline (O2O) payments that aim to replace traditional e-wallet, credit cards, debit cards, and cash using offline connectivity, near-field communication (NFC), and SMS-based payment mechanisms that are independent of internet connection.

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Hopalı, Egemen, Özalp Vayvay, Zeynep Tuğçe Kalender, Deniz Turhan et Ceyda Aysuna. « How Do Mobile Wallets Improve Sustainability in Payment Services ? A Comprehensive Literature Review ». Sustainability 14, n^o 24 (9 décembre 2022) : 16541. http://dx.doi.org/10.3390/su142416541.

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Easy access to the Internet, smartphones, and mobile-based banking change customer shopping intentions. As a crucial component of financial technology (Fintech), mobile wallets enable customers to shop via smartphones. Mobile wallets present a cashless transactional method, cost-efficient services, and traceable options that improve sustainability in payment services. Over the last decade, mobile wallet services have evolved and attracted considerable attention from customers and companies. Due to the need for a comprehensive mobile wallet literature survey, this article aims at filling this research gap by covering articles published between 2012 and 2022 over the Scopus, Web of Science, and Science Direct databases. A clear filtering policy was conducted to observe the related article topics. Thus, 128 articles that met the inclusion and exclusion criteria were analyzed. Moreover, the articles were initially classified into three main groups, which was performed via scanning and categorizing all studies in the last ten years from different databases. In addition, the literature was systematically reviewed, providing a better understanding of mobile wallets and contributing to the literature by researching how this service can be improved for payment services with a focus on sustainability. The conducted literature review revealed that mobile wallets could be promoted in terms of environmental traceability, customer lifetime value, and security.

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George, Ajimon, et Prajod Sunny. « Developing a Research Model for Mobile Wallet Adoption and Usage ». IIM Kozhikode Society & ; Management Review 10, n^o 1 (16 décembre 2020) : 82–98. http://dx.doi.org/10.1177/2277975220965354.

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The scope of the mobile wallet in a ‘Cashless India’, whose utility has been spurred by the exponentially growing smartphone technology, is a contemporary topic of deliberation. The reach of mobile wallets gets broader each day with the entry of new stakeholders into the scenario, making mobile wallets indispensible for meeting daily needs. Given the COVID-19 pandemic situation, increased reliance on mobile wallets, and its acceptability among the public and other associated e-services, researchers and service providers are eager to explore its adoption as well as its continued usage. This paper theoretically examines factors influencing behavioural intention and actual usage of mobile wallets through various technology adoption models and behavioural studies. Based on an extensive review of the literature, this paper attempts to draw a comprehensive conceptualization of mobile wallet adoption and actual use by exploring the influence of various key factors. This proposed model could successfully present the case of mobile wallet adoption and usage, as well as offer the possibility of deriving important managerial implications concerning effective marketing techniques.

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Andrew, Jasmine Vivienne, Sylvia @. Nabila Azwa Ambad, Nur Syahidah Wong Abdullah, Sakka Nordin et Karen Esther Tan. « A Systematic Review of E-wallet Usage Intention : Integrating UTAUT2 with Perceived Security ». Jurnal Intelek 16, n^o 1 (26 janvier 2021) : 124–33. http://dx.doi.org/10.24191/ji.v16i1.372.

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The growth of cashless payment has grown exponentially, including that of e-wallet, in line with the government's plan to build a cashless society. The e-wallet phenomenon is fast becoming an important component for financial inclusion in emerging economies as studies found that the use of digital financial services like mobile money and other fintech applications could provide many potential development benefits. Countries like China have experienced the highest growth in cashless payments over the last five years and is said to be the most educated on mobile payment services. Despite the rapid development of this technology, organizations and consumers are still concerned about rising security issues. As the e-wallets markets are further expected to increase exponentially in Malaysia, it is crucial to study the consumers' behavioral intention to use e-wallets for the benefits of e-wallets service providers and users in Malaysia. Correspondingly, this paper presents a review of the literature aimed at advancing the body of knowledge by proposing a conceptual model on consumers' behavioral intention to use e-wallet (mobile payment) using UTAUT2 as a baseline model. This paper is built upon a systematic literature review method. This paper provides practical implications that would assist e-wallet service providers when devising appropriate strategies in planning and increasing consumers' intention to use the e-wallet.

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Al-Hattami, Hamood Mohammed, Ahmad Samed Al-Adwan, Abdulwahid Ahmed Hashed Abdullah et Mohammed A. Al-Hakimi. « Determinants of Customer Loyalty toward Mobile Wallet Services in Post-COVID-19 : The Moderating Role of Trust ». Human Behavior and Emerging Technologies 2023 (7 août 2023) : 1–13. http://dx.doi.org/10.1155/2023/9984246.

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One of the highly acclaimed innovations is the mobile wallet. Mobile wallets ensure that customers can make purchases even if they forget their wallets at home. The use of these wallets has increased significantly with the spread of the COVID-19 pandemic as a preventive measure. However, with COVID-19 restrictions lifted and adaptation to the pandemic, customers are no longer forced to use mobile wallets. That is, things have returned to normal as before the pandemic, where the customer is left free to choose the method of payment. In this regard, businesses need to retain their customers and make sure that those customers will reuse their own mobile wallets even during this period (post-COVID-19). Hence, it is critical to explore customer loyalty determinants toward mobile wallet services in such a period. Therefore, using the Indian context, this paper sought to explore the determinants of customer loyalty toward mobile wallet services post-COVID-19. This study also investigated the role of trust as a moderator. Based on a sample size of 243 customers in India, the relationships in the proposed model were tested using SmartPLS statistical technology. The results revealed that service quality, privacy and security, and trust are the key determinants in gaining customer loyalty toward mobile wallets. Yet, the results did not support perceived usefulness and ease of use as determinants of customer loyalty. As for trust as a moderator, the results supported only one of the four proposed hypotheses. Specifically, the results supported that “trust has a significant moderating impact on the relationship between service quality and customer loyalty”. The results offer a more precise comprehension of the relationships between customer loyalty and customer loyalty determinants in post-COVID-19 and enable managers to make better management decisions.

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Phutela, Nidhi, et Shrirang Altekar. « Mobile Wallets in India ». International Journal of Online Marketing 9, n^o 2 (avril 2019) : 27–38. http://dx.doi.org/10.4018/ijom.2019040103.

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Adoption of technology by the Indians is setting an example for the others. Considering the penetration of mobile phones and its usage success stories all over the world, a good number of companies are exploring new uses of mobile technology. Many companies have come up with a new use of mobile technology, mobile wallets. This research article has been undertaken to understand the previous research work on the adoption of mobile technology in the developed countries and the factors that are influential to understand the reasons for such adoption. The Unified Theory of Acceptance and Use of Technology (UTAUT) Model has been taken as a base for understanding the adoption by Indian consumers and two factors namely – Trust in mobile wallet services and trust in mobile wallet service providers have been examined for their impact on its adoption. A survey was conducted across Delhi NCR to examine attitude of Indian consumers for mobile wallets adoption.

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Madan, Khushbu, et Rajan Yadav. « Behavioural intention to adopt mobile wallet : a developing country perspective ». Journal of Indian Business Research 8, n^o 3 (15 août 2016) : 227–44. http://dx.doi.org/10.1108/jibr-10-2015-0112.

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Purpose This paper aims to understand the factors that affect consumers’ adoption of mobile wallet as an alternative method of making payments to purchase goods and services. Design/methodology/approach A survey of over 210 mobile phone consumers was made. The study added two additional constructs – perceived regulatory support (PRS) and promotional benefits (PBs) – and proposed an integrated approach to understanding mobile wallet adoption. The hypothesized relationships were analysed via structural equation modelling. Findings The results indicated performance expectancy, social influence, facilitating conditions, perceived risk, perceived value, PRS, as well as PBs, to be significant factors in predicting behavioural intentions to adopt mobile wallet solutions. The impact of effort expectancy was found to be statistically insignificant. Research limitations/implications The small sample size and the possibility of including new variables such as personal innovativeness, which have not been addressed here, are some of the limitations of this study. Practical implications The findings of this paper would be useful for mobile wallet service providers, mobile app writers and institutions involved in the facilitation and regulation of such services to develop suitable strategic frameworks to encourage the adoption of mobile wallets. Originality/value The study is the first of its kind in India and has added a new dimension in the assessment of technology adoption by proposing two new variables.

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Singh, Nidhi, Shalini Srivastava et Neena Sinha. « Consumer preference and satisfaction of M-wallets : a study on North Indian consumers ». International Journal of Bank Marketing 35, n^o 6 (4 septembre 2017) : 944–65. http://dx.doi.org/10.1108/ijbm-06-2016-0086.

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Purpose The purpose of this paper is to test the conceptual model of consumers’ intention and satisfaction towards mobile wallets. This study uses the integrated UTAUT model which includes variables such as ease of use, trust, security, self-efficacy, etc., and an additional variable (hedonism) to test consumers’ behaviour in the context of mobile banking technologies. Regression analysis, ANOVA and descriptive analysis are used to test the relationship among several dimensions such as perceptions, preferences, satisfaction and usage rate of mobile wallets in North India. A sample of 204 North Indian consumers was taken to understand the consumers’ adoption behaviour towards mobile wallet. The study explains the significance of the proposed model and its effectiveness to understand the behaviour of North Indian consumers. The result shows a significant association between consumers’ perception, preference, usage and satisfaction. Security, trust and hedonism are few of the most influencing variables in the study. Demographic variables such as gender and age also influence consumer satisfaction and usage rate of mobile wallets in North India. The proposed model and results of the study bring valuable insights into researchers and practitioners in the context of usage of mobile wallets. Design/methodology/approach Various standardized scales were used in the present study. Statistical techniques like descriptive statistics, analysis of variance, t-test, χ2 and regression analysis were used to assess the data. The data were collected with three separate questionnaires on variables perception, preference, usage and satisfaction. Findings Findings of this study show a strong relation between customer’s perception, preference and satisfaction of mobile wallet users. The result also shows the impact of customer’s perception, satisfaction and preference on the usage rate of mobile wallets in India. The authors have collected responses from the various regions in south and North India. Research limitations/implications The first contribution of this study is that it shows a strong correlation between consumers’ perception, preferences and satisfaction. Various studies are available to understand the impact of perception on satisfaction (Samudra and Phadtare, 2012; Venkatesh and Davis, 2000, Thakur, 2013), but very few studies have integrated it with preference and mobile wallet usage. Moreover, no study is available on these variables specifically for North Indian consumers. This study is unique in the sense that it discuss the association of consumer’s perception with type of transactions they prefer to do in M-wallets. This paper also identify one more crucial factors, “hedonism” which is not discussed extensively in the literature. Practical implications The study has several implications to the mobile technology industry and the banking system to identify new strategies for mobile wallet usage. Factors like security, convenience and trust influence consumers’ intention. This indicates that industries and banks must verify users’ privacy norms and evaluate social trends to enhance user’s satisfaction and usage rate. Hedonism is determined as one of the significant variable to measure consumer’s satisfaction and usage tendency. Mobile technology providers should work on the appearances and design of the apps, and promote its convenience and benefits to increase its usage in North India. Based on the findings of this study, companies can also evaluate preferred wallet services for consumers, and factors affecting those services. This will help them to add more attractive services based on consumers’ feedback, and remove unwanted services. Social implications The study also stressed the impact of society and family/friends on mobile wallet’s usage. Customers learn new things from family and society and get influence with their choice and preferences. This will help institutions to understand various factors leads to mobile wallet usage and enhance the satisfaction level of customers. Originality/value Although various studies have been conducted on the perception of customers on various mobile payment systems, but this paper is the first of its kind to study customer’s perception about wallets and type of transactions; they prefer to do through mobile wallets. This paper also study the impact of mobile wallet usage and various factors affecting the usage rate. This paper also identified one crucial factor, “hedonism”, which is not discussed thoroughly in the literature, and its significance in North India.

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Kapoor, Ashwarya, Rajiv Sindwani et Manisha Goel. « Ranking Mobile Wallet Service Providers Using Fuzzy Multi-Criteria Decision-Making Approach ». International Journal of E-Business Research 17, n^o 4 (octobre 2021) : 19–39. http://dx.doi.org/10.4018/ijebr.2021100102.

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The aim of this paper is to identify key dimensions of mobile wallet (m-wallet) service quality and to prioritize mobile wallet service providers on the basis of these dimensions. Based on extensive literature review and discussion with an expert, six key dimensions of m-wallet service quality, namely convenience, reliability and security, responsiveness, aesthetics, accessibility, and information quality/content, are proposed in this paper. Fuzzy TOPSIS approach is proposed to evaluate and rank mobile wallet alternatives. Four major mobile wallet players from the Indian market are prioritized on the basis of six key service quality dimensions. Examination of the literature indicates that this study is among the first attempts to identify m-wallet service quality dimensions as well as to prioritize mobile wallet alternatives using fuzzy TOPSIS. The findings will be valuable to academicians and practitioners alike. The key dimensions proposed in the paper will enlighten m-wallet service providers about the aspects of services to be focused on. Moreover, the fuzzy TOPSIS technique discussed in this paper will help m-wallet companies to compare them with their competitors. This will help managers to develop strategies to improve their services. On the academic front, the study will extend the knowledge base in the field of self-service technologies.

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Budiman, Almi, et Baruna Hadibrata. « Technology Acceptance Model Modification for Electronic Wallet Users in Jakarta ». Modern Economics 26, n^o 1 (20 juin 2021) : 17–24. http://dx.doi.org/10.31521/modecon.v26(2021)-03.

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Introduction. The development of mobile payment in Indonesia is increased, especially by the emergence of the two biggest electronic payments, such as Go-Pay and Ovo, which aggressively offer various interesting offers. This affects the enhancement of the use of mobile payment by the public. In the beginning, server-based electronic money services of its appearance were still small, including credit top-up and internet data, and money transfers to banks that include as a member of ATM Bersama (joint ATM). Along with the development of technology, electronic wallets begin to transform by expanding payment services, and several latest e-wallet applications have emerged. Purpose. The purpose of this research is to understand the changes in consumers’ behavior that make payments from using cash and switching to electronic wallets. Results. The results of the analysis in this study were obtained as the below: (1) Perceived ease of use, perceived usefulness, perceived security, and perceived risk and trust have an influence on the intention to use e-wallet electronic application; (2) perceived ease of use and perceived risk have an influence on perceived usefulness of e-wallet user and (3) perceived ease of use, perceived risk, and perceived usefulness influence the perceived trust of e-wallet application users. Conclusions. It can be concluded that the technology acceptance model influences the user in using the electronic wallet as their transaction method since its usage can be trusted. Moreover, the benefit they got from electronic wallet (perceived usefulness) influence their trust and increase the intention of using an electronic wallet

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Kamal, Irsyad, Rahmah Nur Rizki et Muhammad Rafif Aulia. « The Enthusiasm of Digital Payment Services and Millennial Consumer Behaviour in Indonesia ». International Journal of Professional Business Review 8, n^o 2 (16 février 2023) : e0923. http://dx.doi.org/10.26668/businessreview/2023.v8i2.923.

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Purpose: This research aims to study the impact of changes in transaction styles in the 4.0 era with more depth, how consumers from various level start to use technology in ease of everyday life and consumer choices in the use of applications and their willingness to pay for the transaction fee, whether from bank institutions or digital start-up companies in terms of effectiveness, security, and public enthusiasm with digital payment technology. Theoretical Framework: The framework was developed depend on the theory or study literature variables of mobile banking, digital wallet, digital payment and willingness to pay. Design/Methodology/Approach: The research uses 225 sample in Indonesia collected by direct online approach and contingent valuation method open-ended question to digital payment user that use both applications provided by bank institution and digital wallet service. Findings: The result implies that the willingness-to-pay for mobile banking to another bank transaction fee is lower than the actual price and willingness-to-pay for the digital wallet to bank transaction fee is higher than the average real price. Research, Practical & Social Implications: Consumer needs more security aspect on mobile banking transaction but tends to use the digital wallet as their transaction preference due to the promotions and life-service application integrated. As a premium account for digital wallet existed, the consumer tends to demand more on facilities and access to maximum limit of balance on digital wallet. Originality/Value: This study compares the consumer preferences for mobile banking and digital wallet brands accessed in Indonesia. All the respondents of the survey are bank and digital wallet users.

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Amin, Hanudin. « MOBILE WALLET ACCEPTANCE IN SABAH : AN EMPIRICAL ANALYSIS ». Labuan Bulletin of International Business and Finance (LBIBF) 7 (31 décembre 2009) : 33–52. http://dx.doi.org/10.51200/lbibf.v7i.2587.

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Purpose - Technological proliferation has changed the practice in which financial services are transacted, with mobile wallet being the latest development in this area. This paper aims at explaining the factors that encourage bank customers to adopt mobile wallet in Sabah. Design/methodology/approach – Extends the applicability of the technology acceptance model (TAM) in a mobile wallet context, by adding perceived expressiveness, knowledge about mobile wallet and perceived credibility in addition to perceived usefulness and perceived ease of use. Findings - Results suggest that perceived usefulness, perceived ease of use, perceived expressiveness and knowledge about mobile wallet are important determinants of mobile wallet acceptance. Research limitations/ implications - The relatively small size of the sample somewhat limits generalizations. However, this is not a serious limitation, as the author believes this sample size able to contribute significantly, at least at exploratory level. Moreover, there may be a need to add for additional independent variables to the extended TAM, further expanding the number of situations to which it applies. Practical implications - This study will be primarily beneficial to the commercial banks since they will understand the usable factors toward mobile wallet acceptance. Originality/value - Develops a specific version of TAM to better reflect mobile wallet context in Malaysia.

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Chawla, Deepak, et Himanshu Joshi. « The moderating role of gender and age in the adoption of mobile wallet ». foresight 22, n^o 4 (29 juin 2020) : 483–504. http://dx.doi.org/10.1108/fs-11-2019-0094.

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Purpose The purpose of this paper is to examine the factors that influence the attitude and behavioral intention towards mobile wallet adoption and to examine the moderating effect of gender and age between antecedents of mobile wallet adoption and user attitude and intention. Design/methodology/approach Based on the literature review, certain themes around mobile wallet adoption were generated around which inputs were sought through two focus group discussions, first of which comprised working executives and second comprised students. A sample of 744 users of mobile wallet provided their awareness on mobile wallets, various mobile wallet services used and perception on ease of use, usefulness, trust, security, facilitating conditions and lifestyle compatibility (LC). To examine the moderating effect of gender and age, two methods, namely, Henseler’s partial least squares-multi group analysis (PLS-MGA), a non-parametric approach, and PLS-MGA, parametric approach, are used. The data was analyzed using partial least square-structural equation modeling. Findings The ease of use, usefulness, trust, security, facilitating conditions and LC significantly influence user attitude and intention. The results show that both gender and age moderate the relationship between select antecedents and attitude and intention and the influence is seen more for males and young users. Research limitations/implications The sample comprises students and professionals from metros and large cities; hence, the generalizability of the results to the population at large may be limited. This study only examines the moderating role of age and gender. Future studies may include other demographic variables such as education, income, occupation, experience and household size. Practical implications The findings help mobile wallet service providers understand the relevance and influence of various antecedent variables on the attitude and intention to adopt technology. This will help to plan and prioritize attributes for marketing purposes to increase the adoption and usage rates. Moreover, managers should plan strategies to enhance confidence among females and old age customers. Originality/value The proposed model both investigates the impact of antecedents on user attitude and intention and examines the moderating effect of select demographic variables. There are few empirical studies on the moderating effect of gender and age in the context of mobile wallets in India.

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Gupta, Ravi Kumar. « Adoption of mobile wallet services : an empirical analysis ». International Journal of Intellectual Property Management 12, n^o 3 (2022) : 341. http://dx.doi.org/10.1504/ijipm.2022.124634.

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Gupta, Ravi Kumar. « Adoption of mobile wallet services : an empirical analysis ». International Journal of Intellectual Property Management 1, n^o 1 (2021) : 1. http://dx.doi.org/10.1504/ijipm.2021.10035526.

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Kurnia, Felick. « Pengembangan Niat Adopsi Mobile Wallet : Integrasi Model UTAUT2 dengan Social Connectedness dan Culture ». Jurnal Rekayasa Sistem Industri 10, n^o 2 (29 octobre 2021) : 145–60. http://dx.doi.org/10.26593/jrsi.v10i2.4374.145-160.

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Smartphone technology is rising rapidly around the world. It allows various companies including financial institution to improve services for their customers. Mobile wallet is a cashless payment system that is carried out with a mobile phone. Since 2010, The Central Bank of Indonesia has been encouraging the adoption of cashless payment system, including mobile wallet. Despite the efforts made, the use of cashless payment system in Indonesia is still low. This paper investigates the determinants of customers’ intention to adopt mobile wallet using the Unified Theory of Acceptance and Use of Technology 2 (UTAUT2) Model. It offers theoretical contributions by extending UTAUT2 with social connectedness and culture. Empirical data from 139 Indonesian customers were used to test the proposed model using partial least square structural equation modeling. It was found that performance expectancy, hedonic motivation, price value, and habits significantly influence customers’ intention to adopt mobile wallet. This study also found that social connectedness significantly affects performance expectancy and effort expectancy. The findings of this study would also be beneficial for mobile wallet providers to develop effective strategies to increase the use of mobile wallet in Indonesia.

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Purnamawati, I. Gusti Ayu, Gede Adi Yuniarta et Elly Herliyani. « Dimensions of Interest in Using E-Wallets in Online Transportation Service ». Petra International Journal of Business Studies 6, n^o 1 (30 juin 2023) : 70–79. http://dx.doi.org/10.9744/petraijbs.6.1.70-79.

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There are still many MSME actors who have not used e-wallets, especially in using online transportation. This paper examines the Utilitarianism, trust, risk perception, reputation, and costs of e-wallet users' interest in online transportation. This research uses quantitative methods. A questionnaire was used to collect data from 110 small and medium-scale entrepreneurs in Bali Province. Multiple linear regression analysis tests are used to test the interest of e-wallet users. The results show that the utilitarian variables, trust, and reputation, positively and significantly affect e-wallet user interest. At the same time, risk perceptions and cost do not affect e-wallet user interest. These costs are burdensome for consumers to purchase mobile devices to take advantage of digital payment services, so it takes time and effort to consider adopting new technology. Inclusive finance is an important entry point for inclusive growth; e-wallets also help Micro, Small, and Medium Enterprises currently being promoted by the government to support the economy. TAM is a model that theoretically helps predict and explain user acceptance of information technology. Digital payment solutions allow consumers and merchants to use social media to buy and sell goods and services to create new economic opportunities.

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LAcap, Jean Paolo G. « Exploring Mobile Wallet Adoption in the Philippines : A Partial Least Squares Path Modelling Approach ». Proceedings of The International Halal Science and Technology Conference 15, n^o 1 (8 décembre 2022) : 14–23. http://dx.doi.org/10.31098/ihsatec.v15i1.590.

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Underpinned on the technology acceptance model (TAM) and cognition-affect-behavior (CAB) model, the present undertaking aims to examine the factors affecting the perceived satisfaction of users towards mobile wallet services, and how perceived satisfaction leads to the intention to recommend the said technology to others. Using purposive sampling, the identified respondents were composed of active users of the leading mobile wallet in the Philippines (n = 749). To measure the hypothesized relationships, structural equation modelling via partial least squares was utilized. The results reveal that perceived ease of use, perceived usefulness, perceived risk, and attitude have a significant effect on mobile wallet users’ perceived satisfaction. It was also found that perceived satisfaction and trust translate to users’ intention to recommend mobile wallets to others. Moreover, perceived satisfaction and trust were identified to be significantly and directly related. Regarding mediation analysis, the results show that trust has an indirect effect on the relationship between perceived satisfaction and intention to recommend. Similarly, the results showed the mediating role of perceived satisfaction on the links between the exogenous variables – perceived ease of use, perceived usefulness, perceived risk, and attitude, and intention to recommend (endogenous variable). And lastly, it was found that technological stress and social influence do not moderate the link between perceived satisfaction and intention to recommend.

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Mahboob, Faraz, Arifa Bano Talpur et Mahvish Kanwal Khaskhely. « Investigating Factors Towards Adoption of Mobile Wallet Payment Services ». Global Economics Review VII, n^o IV (30 décembre 2022) : 1–7. http://dx.doi.org/10.31703/ger.2022(vii-iv).01.

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The goal of this study is to look at the effect of "perceived ease of use" (PEOU), "perceived usefulness" (PU), "perceived service cost" (PSC), "perceived credibility" (PC) and "customers' satisfaction" (CS) on consumers' intention to adopt mobile wallet payment services. "Customer satisfaction" (CS) was the mediator between PEOU, PU and IU. The study model is based on the model of "technology acceptance model" (TAM). The study involves 300 respondents and the data was obtained via an online questionnaire. - Convenient sampling method. Smart PLS (partial least squares) regression using the "structural equation" technique has been applied to review and analyze the data. The data analysis findings are supported with several previously published hypotheses. All independent variables influence the dependent variable IU, indirect effect of PU is positive and significant to IU, further it was found from analysis that the PEOU has not significant effect to the mediator CS and the IU indirectly.

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Parashar, Neha, Shradha Gupta, Rahul Sharma et Asit Bandyopadhayay. « Factors influencing the usage of mobile payment services during the COVID-19 pandemic ». Asian Economic and Financial Review 13, n^o 10 (17 août 2023) : 727–37. http://dx.doi.org/10.55493/5002.v13i10.4854.

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This study aims to identify and examine the factors that affected users' behavioral intentions, attitudes, and perceptions toward mobile payment services during COVID-19. It also attempts to determine the impact of demographic variables on the ease of use of mobile payment services. A survey approach was adopted to collect primary data and capture attitudes and behaviors on the use of mobile payment services during and after COVID-19. Being a quantitative study, a multiple regression analysis was used to analyze the primary data. The results indicate that education was the main reason for the adoption of mobile payment services, and security was the leading factor contributing to user satisfaction. Ease of use of the payment app was important for continued usage of the app. The statistical analysis explains that ease of use is an important variable for the usage of payment wallets or mobile payment services by users, followed by familiarity, safety, and security of the mobile payment wallet. Based on the findings of this study, it is suggested that mobile payment companies should concentrate more on the performance and ease of use of their applications. Mobile payment companies should also concentrate on meeting their users’ needs, which will indirectly lead to the retention of their users for a long period.

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Parakh, Santosh, Prakash Ukhalkar et Leena Sanu. « Digital Wallet and Mobile Banking Adoption Among Rural Bank Customer ». International Research Journal of Business Studies 13, n^o 3 (20 décembre 2020) : 215–26. http://dx.doi.org/10.21632/irjbs.13.3.215-226.

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This study provides a rural viewpoint to the global research and literature on adoption of digital wallet and mobile banking among rural customer. It empirically examines the most influencing factors that stimulating to digital wallet and mobile banking user for service adoption. Primary and secondary data sources are used. A sample of 300 customers was surveyed from the rural areas of Maharashtra state, INDIA. A Simple Random Sampling method is used for selections of area from Maharashtra state and Chi-square testing was used in stated hypothesis. The study concludes that Security-Privacy, Trust and Familiarity has significant impact on Mobile banking adoption. And qualitative factors such has Prestige, Speed, Trust, Safety & Security, Easiness and Familiarity has major influence on rural customer for the adopting of Digital Wallet and Mobile banking services offered from financial institution.

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Matemba, Elizabeth D., Guoxin Li et Baraka J. Maiseli. « Consumers' Stickiness to Mobile Payment Applications ». Journal of Database Management 29, n^o 3 (juillet 2018) : 43–66. http://dx.doi.org/10.4018/jdm.2018070103.

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WeChat wallet incorporates compelling features facilitating users to conduct financial transactions more conveniently. The authors' survey discovered that most users appreciate WeChat wallet services. Previous studies, however, inadequately address critical factors that motivate consumers' stickiness to this promising technology. Scholars concentrate only on the technological features and considers societal traditional practices. This work establishes a psychometric theoretical model that integrates novel constructs, which balances technological features and traditional values, predicting WeChat wallet customers' stickiness. To this end, a questionnaire, with Likert scale items, was administered to 450 Chinese and foreigners in China. The authors measured their model's reliability and validity using composite reliability, convergent validity, and discriminant validity. The study applied the common latent factor approach to test the common method bias. Structural equation modeling and SPSS were used for data analysis. The study reveals that perceived availability of merchant support, convenience, social influence, and red envelope (traditional Chinese culture for sharing monetary values during festivals and special events) preference promote consumers' stickiness behaviors to WeChat wallet. In addition, perceived security insignificantly moderates the relationships between convenience/social influence and consumers' stickiness. This study gives scholars an important research avenue to explore further the relationships between traditions and diffusion of technology.

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DJAOWE, Joseph, et Leonel AKO TIKU. « Mobile Money and Financial Inclusion of Rural Women in the Informal Sector : A Case of Users of Orange Money in Yagoua. » Archives of Business Research 10, n^o 6 (29 juin 2022) : 115–31. http://dx.doi.org/10.14738/abr.106.11911.

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The purpose of this article is to assess the influence of Mobile Money on the financial inclusion of rural women in the informal sector. Women's access to financial services is a key factor in economic growth and development. This work aims to measure the impact of mobile finance, mobile wallet and mobile payment on the financial inclusion of women. To this end, a questionnaire was administered to a sample of 98 rural women working in the informal sector. Data from the surveys were analyzed using SPSS software and subjected to the binary logistic regression test. From this investigation, the following results emerge: (1) mobile finance positively influences the financial education of rural women in the informal sector; (2) the mobile wallet contributes to an increase in the income of rural women in the informal sector and (3) mobile payment accelerates the access of rural women in the informal sector of Yagoua to financial services. In order to further promote the financial inclusion of rural women, moderately literate, formerly excluded from the traditional financial system and working in the informal sector of Yagoua, it would be wise to find ways and means to enable them to access the services of formal financial institutions through Mobile Money.

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Alam, Md Mahmudul, Ala Eldin Awawdeh et Azim Izzuddin Bin Muhamad. « Using e-wallet for business process development : challenges and prospects in Malaysia ». Business Process Management Journal 27, n^o 4 (25 mai 2021) : 1142–62. http://dx.doi.org/10.1108/bpmj-11-2020-0528.

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PurposeThis study aims to explore the challenges and prospects of using e-wallets in Malaysia, and what it means for businesses and customers. Suggested here are strategies to leverage the strengths and opportunities as well as overcome the weaknesses and threats. Suggested here are strategies to leverage the strengths and opportunities as well as overcome the weaknesses and threats.Design/methodology/approachThis study analyses the e-wallet phenomenon using a SWOT (Strengths, Weaknesses, Opportunities and Threats) analysis to assess Malaysian business development. It is supported with findings from the literature and secondary data. The relevant secondary data were collected from Bank Negara Malaysia and the World Bank.FindingsThis study shows that e-wallets in Malaysia have still not achieved their purpose but there is huge potential to do so. The SWOT analysis identified several strengths (e.g. financial incorporation, easy to access, protection and safety, simple for other accounts to connect to, product and consumer service management, quick to implement/administer), weaknesses (e.g. lack of infrastructure and the “tapping” of devices already cornered by the mobile phone market, opportunities (e.g. eliminating fraud, better customer service, promotion/loyalty that can be built into customer experience) and threats (e.g. attacks from viruses, frequent inquiries whether multiple wallets can be used by clients, the concerns of reckless spending behaviour of the e-wallet users).Research limitations/implicationsThis study is crucial for assessing the current situation and the prospects of e-wallets in Malaysia. This study also offers significant insights for policymakers and e-wallet service providers to develop appropriate strategies to enhance e-wallet services in Malaysia.Originality/valueThis paper is the first of its kind to integrate a SWOT analysis and the rapid development of the e-wallet market in Malaysia. Hence, the findings could broaden our knowledge on the fintech industry and enable firms to participate in the e-wallet market.

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Kınış, Fatma, et Cem Tanova. « Can I Trust My Phone to Replace My Wallet ? The Determinants of E-Wallet Adoption in North Cyprus ». Journal of Theoretical and Applied Electronic Commerce Research 17, n^o 4 (2 décembre 2022) : 1696–715. http://dx.doi.org/10.3390/jtaer17040086.

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E-wallets and mobile payment systems provide fast, secure, and convenient payment in transactions services while minimizing the need for human interaction. However, the adoption of the technology has had varying levels of success. Using a sample of 300 respondents, the study randomly assigned participants into three conditions and provided different information on how they would be reimbursed by their bank in case of fraud. In the three conditions, this study analyzed how prior consumer knowledge about e-wallet technology along with perceived usefulness, perceived ease of use, and trust may be related to the attitudes on the use of e-wallets, which subsequently relates to the intentions to use this technology. The findings suggest that consumer knowledge about e-wallet technology relates to perceived usefulness, perceived ease of use, and trust, which are known to influence attitude and behavioral intention to adopt and use new technologies such as the e-wallet. In addition, the results displayed that those respondents who were assured of immediate reimbursement in case of fraud may have higher intention to adopt e-wallets when compared to those who were informed of delayed reimbursement or those given no information. While the ANOVA results provided tentative support for the hypothesis that assurance of reimbursement will improve the intention to use e-wallet, the subsequent ANCOVA findings demonstrate that when prior consumer knowledge is taken into consideration and groups are compared with this factor in the equation, the group differences disappear.

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Chawla, Deepak, et Himanshu Joshi. « Consumer attitude and intention to adopt mobile wallet in India – An empirical study ». International Journal of Bank Marketing 37, n^o 7 (7 octobre 2019) : 1590–618. http://dx.doi.org/10.1108/ijbm-09-2018-0256.

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Purpose The purpose of this paper is to empirically examine the factors that influence a consumer’s attitude and intention to use mobile wallets using a sample representative of Indian users. Design/methodology/approach A multidisciplinary model is proposed, building on the technology acceptance model (TAM) and unified theory of acceptance and use of technology (UTAUT) and other relevant research on factors, which influence technology adoption. A synthesis of review of literature on factors influencing technology adoption besides two focus group discussions (FGD) was used as a design a pilot instrument. A nationwide primary survey was conducted using the questionnaire. Convenience sampling was used to select the respondents. In total, 744 respondents participated in the survey, and 17 hypotheses were formulated and PLS-SEM was used to estimate and test the hypothesized model. Findings The results show that factors like perceived ease of use (PEOU), perceived usefulness (PU), trust, security, facilitating conditions and lifestyle compatibility have a significant impact on the consumer attitude and intention to use mobile wallets. Of the proposed 17 hypotheses, 15 were accepted. Ease of use significantly influenced usefulness and trust, whereas PU significantly influenced trust, attitude and intention. Security and trust were found to be play an important role in determining trust. Research limitations/implications This study examines the perception of students and working professional from large Indian cities. A larger representative sample encompassing balanced representation from urban and rural India could enhance the scope and widen the application of the results across larger target groups. This study analyzes data at a specific point in time. Considering the rapidly changing rate of adoption of mobile wallets, a longitudinal study could, therefore, be conducted. Furthermore, the possibility of including other antecedents like relative advantage, perceived benefits, personal innovativeness among other factors, which have not been addressed here can be explored. Also, additional research can help examine the role of demographics in adoption of mobile wallets including its moderating effect. Practical implications As security and trust emerged as important constructs for acceptance of mobile wallets, there is a need for developing an integrated robust, reliable and secure infrastructure. A joint think tank involving key stakeholders (financial institutions, mobile wallet providers, government, security experts, etc.) should propose guidelines to ensure safe and secure transactions. The findings have managerial implications, which can guide companies offering mobile wallets to enhance usage and adoption of such services. Originality/value Mobile wallets have provided newer digital payment avenues to consumers while offering companies and marketers greater opportunities to market their products and services, online. However, not much is reported about the adoption of mobile wallets in India. The study is perhaps the first in India to examine the adoption of mobile wallets using a larger sample in comparison to earlier studies. The study proposes and validates additional constructs, which were not present in the original model.

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Subagiyo, Adriani Gustia et Donny Oktavian Syah. « The Effect of E-wallet and Sales Promotion on Purchasing Decisions ». Best Journal of Administration and Management 1, n^o 1 (21 août 2022) : 53–60. http://dx.doi.org/10.56403/bejam.v1i1.30.

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E-wallet is an electronic device, online service, or software program that allows one party to make electronic transactions with another party bartering digital currency units for goods and services. This can include purchasing items on-line with a computer or using a smartphone to purchase something at a store. Currently in Indonesia there are many kinds of E-Wallets including; DOKU, BBM money bank Permata, cash XL, Telkomsel T-Cash, CIMB Niaga Mobile Account, and so on. One example of an E-wallet is Gopay, inaugurated in April 2016 that can be used in all payment transactions in the Gojek application. This study aims to investigate the effects of E-wallet and Sales Promotion of Hop Hop Purchasing Decisions among high school students in the city of North Jakarta. This is explanatory research using probability sampling method and using a questionnaire on Google Form for collecting data. The sample used is 100 respondents from high school students who use the GOPAY electronic wallet to buy Hop Hop in the city of North Jakarta. This research uses quantitative analysis: validity, reliability, classic assumptions, correlation coefficient, determination coefficient, simple and multiple linear regression, hypothesis significance of t test and F test. The results of multiple linear regression analysis show that there was an effect of E-wallet and Sales Promotion on purchasing decisions. The variable correlation coefficient of the use of E-wallet and Sales Promotion on the GOPAY E-wallet has a strong relationship. The coefficient of determination of the variable using E-wallet on the Purchasing Decision variable is 59.4%, and the coefficient of determination of the Sales Promotion variable on the Purchasing Decision variable is 43.1%.

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Omarini, Anna Eugenia. « Fintech and the Future of the Payment Landscape : The Mobile Wallet Ecosystem - A Challenge for Retail Banks ? » International Journal of Financial Research 9, n^o 4 (21 août 2018) : 97. http://dx.doi.org/10.5430/ijfr.v9n4p97.

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Technological innovation, recent regulatory initiatives and mass consumers’ changing expectations are quickly re-shaping the payments’ sector, paving the way to a more open environment where even non-banking players see a huge opportunity to gain momentum and disrupt the incumbents, namely the financial institutions. Fintech startups, high-tech firms but also mobile network operators are indeed challenging the status quo with their innovative propositions, trying to disintermediate banks from their traditional function of payment service providers. In the payments market, mobile wallets represent one of the innovations with highest potential of growth in the consumer-to-business segment. Payment market is a large and profitable segment for retail banking. Besides revenue streams from card payment transactions, new sources of revenueas and value creation have been unleashed by digital payments. This paper contributes to provide a better understanding of the mobile wallet ecosystem, also analyzing a set of four business cases so to identify potential sources of competitive advantage for retail banks in a market characterized by an increased non-bank competition. Mobile wallet platforms can be a powerful tool for banks to cope with the customer-centric approach. The structure of the paper analyse the recent trends in the financial services industry, involving the entry of new players (Fintech); the evolution of payments in the market; the concept of ecosystem applied to the new payment landscape; and it outlines the banks’ roles in the new mobile payment environment.

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Karim Alaaeldin Ahmed Fouad, Alaa Tarek Erakat, Karim Alaaeldin Ahmed Fouad, Alaa Tarek Erakat. « Assessing resistance to accept electronic wallets in Egypt : تقييم مقاومة قبول المحافظ الإلكترونية في مصر ». مجلة العلوم الإقتصادية و الإدارية و القانونية 5, n^o 18 (28 septembre 2021) : 224–04. http://dx.doi.org/10.26389/ajsrp.r150421.

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The purpose of this study is to determine the factors that obstruct the diffusion of electronic wallets in the Egyptian society. As there is great resistance to the use of electronic payment services provided by governmental and private banks, and the insistence of customers to use cash due to the many reasons that were discussed in the research. In spite of this, several countries such as Morocco, Algeria, Malaysia and India, as an example similar to the Egyptian example, have come forward and found many solutions to switch from cash to electronic payment. Nowadays, cell phones have become a fundamental piece of one's everyday life. Users would be able to utilize their Smartphones to make money transactions or online payments by using applications on their phones. There are many mobile wallets, which provide these types of services. Electronic wallets are computerized version of traditional wallets that somebody would carry in their pocket. They offer payment service through which the people/business can receive/send money by smart phones. The current paper highlights the factors that affect Egyptians’ consumer behavior towards electronic wallets, either directly or indirectly and the reasons behind rejecting the idea of replacing cash payments with electronic payments, despite, the global trend to reduce the use of cash especially in the current period of the Coronavirus pandemic. A recent statistic from the Central Bank of Egypt stated that 67% of Egyptians do not have bank accounts, this alarming statistic shows that Egyptians might be uncomfortable dealing with banks, this reflects the level of resistance that Electronic wallet services will face in building familiarity and acceptance with the Egyptian consumers. Through interviews and phone calls with a group of 48 executives and team leaders from government and private banks, in addition to 62 individuals from different age groups- who owned bank accounts in different banks- it was found that the age group from 20 to 40 are the most frequent users of electronic wallets and electronic payment services. Service quality emerged strongly during the study as a variable moderating the acceptance of electronic wallets by customers. Study also indicated that banks’ customers who had concerns about using the electronic wallet for other reasons including making a wrong transaction, refund period, mobile phone coverage when payment is required urgently and on top of this customers had safety concerns and problems dealing with mobile applications. According to 2024 expectations, there is an increase of more than 50% for users of e-wallets for bank account holders, however, through breading familiarity with the concept of electronic wallets and banks investment in a highly secured and user friendly applications percentage could go higher. Recommendations to increase the diffusion rate of e-wallets in the Egyptian society: - A planned and systematic awareness campaign introducing government’s efforts towards using electronic payment services. - Training of the section concerned with technical support to service electronic wallets in all banks to solve all customer problems easily and quickly, which in turn makes the customer satisfied with the service. - Simplifying and facilitating electronic payment applications on mobile phones to facilitate handling by elderly or low-education persons. - Motivating customers to use e-wallets through loyalty program and sales promotions.

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Moreno-Garcia, Elena, Arturo Garcia-Santillan et Damaris Platas Campero. « Students Perception About Digital Financial Services ». International Journal of Financial Research 12, n^o 4 (18 mars 2021) : 212. http://dx.doi.org/10.5430/ijfr.v12n4p212.

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The purpose of this research is to determine how the students from a Mexican university perceive the different digital financial services. For the study, the Durai and Stella (2019) test was used, which is made up of twelve indicators in a Likert format to assess the perception of digital services, based on their convenience, adaptability, affordability, security, user-friendliness, trailing fee, accurate timing, online monthly statement, quick financial decision making, interbank account accessibility and internet connectivity. The main findings point to the satisfaction that respondents feel towards digital financial services in the five dimensions that were studied: Internet Banking, Mobile Banking, Mobile Wallet, Credit Cards and Debit Cards. Student’s perception was extremely satisfactory towards Debit Card services, especially on the indicators of adaptability, affordability, security, user-friendliness, accurate timing, online monthly statement and portability. In addition, the Mobile Banking services had a positive impact on the Interbank account accessibility and Internet Connectivity. This could be explained by the way these current generations of young millennials easily handle technological use.

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Buchinger, Uschi, Heritiana R. Ranaivoson et Pieter Ballon. « Mobile Wallets’ Business Models : Refining Strategic Partnerships ». Organizacija 48, n^o 2 (1 mai 2015) : 88–98. http://dx.doi.org/10.1515/orga-2015-0011.

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AbstractBackground and Purpose: Though Mobile Wallets have the potential to entirely substitute their physical predecessor, many Mobile Wallets narrow their operations to one particular feature. This might be because of strategic business- model design choices to position themselves strategically as intermediates between users and business partners (third parties) in more delimited markets. Thus, Mobile Wallet Applications (MWAs) often represent platforms in narrow two-sided market structures.Design/Methodology/Approach: The paper focuses on the economics of such platforms by the means of a business model analysis. It examines how business partners are integrated in four MWAs’ strategies: Key Ring, FidMe, Apple Passbook and Qustomer.Results: The paper shows that MWAs strive to incorporate not only a large quantity of partners but also such with a high brand value (quality of partners) in their organization design. These partners shape their service design since none of the platforms offer products or services themselves. Hence, MWAs are dependent on the third parties’ capacity and willingness to fulfill engagements and meet the customer demands.Conclusion: MWAs - though concerned with the inclusion and management of loyalty points and schemes - do not leverage the possibility to generate revenue via third parties’ loyalty points. Theoretically, MWAs could reward or redeem loyalty points themselves.

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Karim, Md Wasiul, Mohammad Abdul Matin Chowdhury et A. K. M. Ahasanul Haque. « A Study of Customer Satisfaction Towards E-Wallet Payment System in Bangladesh ». American Journal of Economics and Business Innovation 1, n^o 1 (28 février 2022) : 1–10. http://dx.doi.org/10.54536/ajebi.v1i1.144.

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Payment systems have been enormously switched out by introducing a new dimension in fintech where e-wallets can be used in conjunction with mobile payment. The severe competition of e-wallet services has forced providers where satisfaction is of prime concern. A total of 480 data were obtained from the respondents living in Dhaka city. The structure of this study was developed by approaching the TAM model, and Structural Equation Modeling was applied to examine all the hypotheses. Results revealed that technology self-efficacy is one of the exigent factors of satisfaction where a positive relationship exists in between. All the hypotheses were found to be significant except the relationship between perceived usefulness and satisfaction. This study has validated external variables to contribute to the existing theory based on the previous literature. Lastly, in order to promote the enhancement of the mobile payment system, proposals for developing e-payments were made to increase the degree of satisfaction.

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., Saviour F. « A Study on Customer Satisfaction of Mobile Wallet Services Provided by Paytm ». International Journal of Engineering and Management Research 9, n^o 1 (15 février 2019) : 19–26. http://dx.doi.org/10.31033/ijemr.9.1.2.

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Ma, Gunil, et Jeong Hyun Yi. « Design and Implementation of Smart Channel Establishment Schemes for Mobile Wallet Services ». Advanced Science Letters 9, n^o 1 (30 avril 2012) : 579–84. http://dx.doi.org/10.1166/asl.2012.2559.

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Saibaba, S. « An Empirical Model of Continuance Intention toward Mobile Wallet Services in India ». Indian Journal of Commerce & ; Management Studies XIII, n^o 3 (30 septembre 2022) : 01–10. http://dx.doi.org/10.18843/ijcms/v13i3/01.

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Borcuch, Artur. « The statistical analysis of „Safety” feature for payment cards with contactless payment function, cash and mobile payments in Poland. Results of own research ». International Journal on Integrated Education 3, n^o 2 (13 février 2020) : 51–55. http://dx.doi.org/10.31149/ijie.v3i2.325.

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During the last two decades, numerous innovative mobile payment services have been introduced to both developing and developed economies. Many mobile payment applications have been launched by mobile network operators. Although the Polish market of mobile payments is in the initial phase of development, it is one of the pioneering and leading in Europe and globally. The mobile payment industry in Poland is expected to reach US$ 26,893.9 million by 2025 (Poland Mobile Wallet 2019). The main purpose of this article is an attempt to answer the following question: how does “safety” feature influence consumer attention to use: payment cards without contactless payment function, cash and mobile payments?

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Nasution, Rahmad Syah, M. K. M., Erna Budhiarti Nababan et Syahril Efendi. « Aplikasi Mobile Wallet Menggunakan Teknik Personal Financial Management (PFM) Pendukung Kecerdasan Bisnis ». Prosiding Seminar Nasional Riset Information Science (SENARIS) 1 (30 septembre 2019) : 1204. http://dx.doi.org/10.30645/senaris.v1i0.136.

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Technology plays an important role so that the education system continues to move dynamically and innovatively. In this research, Fintech uses personal financial management (PFM) which can provide analysis of personal financial analysis, personal financial health assessment, and financial product recommendation services consisting of investment products, insurance and tools to monitor and control the level of expenditure to match planning. target customer finances, and provide online payment services that can help in the payment process that is easier, more flexible, and faster. Fintech is presented in the form of Android-based cellular payments.

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Borcuch, Artur. « The statistical analysis of availability feature for payment cards with contactless payment function, cash and mobile payments in Poland. Results of own research ». International Journal on Integrated Education 3, n^o 2 (13 février 2020) : 56–61. http://dx.doi.org/10.31149/ijie.v3i2.326.

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Presently money is shifting from its analogue past to its digital future. The digitization of payments is transforming what both consumers and businesses expect from financial services. Although the Polish market of mobile payments is in the initial phase of development, it is one of the pioneering and leading in Europe and globally. The mobile payment industry in Poland is expected to reach US$ 26,893.9 million by 2025 (Poland Mobile Wallet 2019). The main purpose of this article is an attempt to answer the following question: how does “availability” feature influence consumer attention to use: payment cards without contactless payment function, cash and mobile payments?

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Alabi, Olugbenga, Alimi Lawal et Ayoola Oladele. « Assessment of an electronic wallet system and determinants of cassava farmers’ participation in off-farm activities in Abuja, Nigeria ». Journal of Agricultural Sciences, Belgrade 61, n^o 4 (2016) : 399–410. http://dx.doi.org/10.2298/jas1604399a.

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This study assessed an electronic wallet (e-wallet) system and determinants of cassava farmers? participation in off-farm activities in Abuja, Nigeria. A sample of 67 cassava farmers was selected through a multi-stage sampling technique from six selected agricultural extension blocks. Primary data were used. Data were collected using a well-structured and well-designed questionnaire. The analytical tools used were descriptive statistics and maximum likelihood estimates using the logistic regression model. The results indicated that an electronic-wallet is an innovative, motivational mobile phone technology, the first in sub-Saharan Africa to distribute mobile phones to farmers which bring fertilizers, improved seeds, financial services, and agricultural information tips to farmers, and this increases yields and output. The electronic wallet system targeted 20 million farmers with an intention to distribute 10 million mobile phones to farmers in 4 years. In 2014, 1,000 agro-dealers and fourteen million five hundred farmers were registered on the electronic wallet system respectively. Also, one million two hundred farmers have also received inputs via the electronic-wallet system. The electronic-wallet system added an estimated 30-40 billion dollars to Nigeria?s Gross Domestic Product in 2014. Furthermore, the result shows that the age of most sampled cassava farmers fell between 36 and 50 years. About 94% of sampled cassava farmers were male. Off-farm income has the potential to improve the income of farmers. These types of activities undertaken by cassava farmers off the farms include: teaching, tailoring, hunting, pottery, blacksmithing, petty trading, etc. Farmers? age, farming experience and number of off-farm activities were significant variables influencing farmers? participation in off-farm activities at P ? 0.01; P ? 0.10; and P ? 0.01 respectively. The coefficient of Nagelkerke (R2) value was 0.751.This shows that the explanatory variables explain the level of participation of cassava farmers in off-farm activities at 75% level of confidence. The coefficient of Cox and Snell determinant (R2) value was 0.547. Off-farm employment is an alternative strategy and has potentials to improve the income and well-being of farmers. The study recommends that government and nongovernment organizations should introduce innovations, motivations, interventions, policies that improve crop production and support the off-farm sector in order to create job opportunities so that poor households can participate and benefit directly.

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Thirumal Reddy, T., et B. Madhusudhana Rao. « Determinants of Continuance Intention to Use Mobile Wallet Services : Light Users vs Heavy Users ». Indian Journal of Marketing 51, n^o 2 (28 février 2021) : 29. http://dx.doi.org/10.17010/ijom/2021/v51/i2/157549.

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Reddy, T. Thirumal, et B. Madhusudhana Rao. « The Moderating Effect of Gender on Continuance Intention Toward Mobile Wallet Services in India ». Indian Journal of Marketing 49, n^o 4 (2 avril 2019) : 48. http://dx.doi.org/10.17010/ijom/2019/v49/i4/142976.

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Dr. Himanshu Rastogi, Dr Hitesh Keserwani,. « COVID-19 – A catalyst for ushering M-wallet growth in India ». Psychology and Education Journal 58, n^o 1 (25 janvier 2021) : 5492–501. http://dx.doi.org/10.17762/pae.v58i1.1863.

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Digital payments in finance is equally important to invention of wheel was for transport. Digital payments in India are expected to grow over three-folds to Rs 7,092 trillion by 2025 on account of government policies around financial inclusion and growing digitisation of merchants, according to a research report. The country's digital payment market was worth around Rs 2,162 trillion in 2019-20.The current 160 million unique mobile payment users will multiply by 5 times to reach nearly 800 million by 2025. According to the report, wallets will continue to play a key role in its growth with the continuous increase in both frequency and user base. "COVID-19 seems like another demonetisation-like catalyst for the industry. Digital payment providers have been quite hands-on in terms of responding to this situation, by offering enhanced support on essentials such as offering groceries, masks, sanitisers, COVID-19 insurance, offering integration with donations to PM fund and other essential product and services. The present study is an attempt to highlight the scope of growth of M- Wallets in the current economic scenario of India along with comparing the basic competitive features of M Wallet players specifically focusing on ease of operation and cost incurred for the consumers. It is felt that there is a need for technological advancement by the m-wallet companies which would ultimately result in reduction in transaction cost and expansion in user base and hence revenue.

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., Sutarminingsih, Lukman M. Baga et Imam Teguh Saptono. « Analysis of Factors Influencing Intensity Use of Mobile Banking Islamic Bank ». International Journal of Research and Review 8, n^o 11 (30 novembre 2021) : 441–49. http://dx.doi.org/10.52403/ijrr.20211156.

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The development of internet users and technology has influenced the banking industry to transform its services towards digital. XYZ Sharia Bank is one of the banks that implements a digital banking service strategy through mobile banking. The purpose of this study is to describe the characteristics of mobile banking users, then analyze what influences the behavioral intentions of users in increasing the intensity of mobile banking use, and provide recommendations for development strategies for Islamic Bank XYZ to increase the intensity of mobile banking use. The results of this study qualitatively indicate that the characteristics of XYZ Islamic Bank mobile banking users are dominated by millennial generation males. XYZ Syariah Bank is the choice for mobile banking services because of its practical and flexible use. In addition to general banking transactions, XYZ Syariah Bank mobile banking is also an option because it provides services to complement people's lifestyles, namely for digital wallet refills, online shopping payments through the marketplace/e-commerce. The results of the research quantitatively indicate that all of the variables studied, namely perceived usefulness, ease of use, interaction needs, perceived risk, perceived cost of use, trustworthiness, credibility, and compatibility with lifestyle and needs have a significant influence on the intensity of using Islamic Bank mobile banking XYZ, where the biggest factor in influencing the intensity of the use of XYZ Islamic Bank's mobile banking is compatibility with lifestyle and needs. Keywords: Digital Banking, Mobile Banking, Intensity of Using, Sharia Bank.

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Mirza, Mohammad Meraj, Akif Ozer et Umit Karabiyik. « Mobile Cyber Forensic Investigations of Web3 Wallets on Android and iOS ». Applied Sciences 12, n^o 21 (4 novembre 2022) : 11180. http://dx.doi.org/10.3390/app122111180.

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Constant advancements in technology have a significant impact on our everyday lives and the ecosystem in which we live. The growing popularity of cryptocurrencies (e.g., Bitcoin and Ethereum), along with Non-Fungible Tokens (NFTs), which are founded on blockchain technology, has opened the way for these blockchain projects to be integrated into a wide range of other kinds of applications (apps). Today, cryptocurrencies are used as a popular method of payment online; however, their popularity on the dark Web is also increasing. For example, they can be used to buy and perform various illegal activities among criminals due to their anonymity. Web3 cryptocurrency wallets, used to store cryptocurrencies, have not been studied as thoroughly as many other apps from a digital forensic perspective on mobile devices, given the increasing number of these services and apps today for many platforms, including the leading mobile operating systems (i.e., iOS and Android). Therefore, the purpose of this research is to guide investigators to unlock the full potential of popular cryptocurrency Web3 wallets, Trust Wallet and Metamask, to understand what can be recovered, and to look at areas where there are knowledge gaps. We digitally analyzed and forensically examined two mobile wallets that do not require any personal identifiers to register and are widely used for Web3 cryptocurrencies on Android and iOS devices. We review the digital evidence we have collected and discuss the implications of the forensic tools we have used. Finally, we propose a proof of concept extension to the iOS Logs, Events, And Plists Parser (iLEAPP) tool to automatically recover artifacts.

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Setyawati, Christina Yanita, et Desiree Clarissa Polar. « PENGARUH PERCEIVED USEFULNESS TERHADAP BEHAVIOR INTENTION TO USE E-WALLET GOPAY MELALUI MEDIASI ATTITUDE TOWARD USING DI KOTA TERNATE ». Jurnal Akuntansi dan Pajak 22, n^o 2 (13 janvier 2022) : 662. http://dx.doi.org/10.29040/jap.v22i2.3187.

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Gojek is a business startup that provides application-based services and has earned a Decacorn degree. Decacorn title can be awarded to business startups that have a valuation of above US $ 10 billion. The mobile payment facility, Gopay, is one of 20 services provided by Gojek to answer the needs of people who are starting to switch from using cash to mobile payment. One's interest in using a technology is influenced by several factors. In the Technology Acceptance Model (TAM) theory, there are several factors that influence the interest in using E-Wallet, namely perceived usefulness, attitude toward using, and behavioral intention to use. The purpose of this study was to determine the effect of perceived usefulness on behavioral intention to use e-wallet, Gopay, through mediating attitude toward using in Ternate City. The method in this research is descriptive quantitative, with analysis tools using partial least square. This study has a sample of 145 respondents. The results of the study showed that perceived usefulness influenced positively and significantly on behavioral intention to use, and attitude toward using. Attitude toward using influenced positively and significantly on behavioral intention to use. Perceived usefulness has a positive and significant effect on behavioral intention to use through attitude toward using as a mediating variable. Keywords: attitude toward using, behavioral intention to use, perceived usefulness, Technology Acceptance Model (TAM)

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Dr. Sunil Joshi, Sadhana Tiwari, Shashank Bharadwaj,. « A Study of Impact of Cloud Computing and Artificial Intelligence on Banking Services, Profitability and Operational Benefits ». Turkish Journal of Computer and Mathematics Education (TURCOMAT) 12, n^o 6 (5 avril 2021) : 1617–27. http://dx.doi.org/10.17762/turcomat.v12i6.3198.

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Banks have seen a convergence in end-customer banking interactions over the last decade, owing to IT-enabled solutions and services such as Core Banking, Online Banking, Mobile Banking, Wallet, Wallets Kiosk Banking. The evolution of IT in the banking industry supports both banks and their clients. Banks' business models are now centered on delivering consumer joy via IT-enabled solutions and services. Cloud technology allows banks to follow a digital paradigm for providing novel channels, reducing TAT to market new offerings, fulfilling consumer expectations, and adhering to regulatory requirements at a lower cost. In constantly evolving technical paradigms, cloud-based solutions offer a higher value proposition to IT solutions and services. Device administrators can remotely assemble, upload, customize, and execute virtual tools to manage a business solution using cloud infrastructure. Furthermore, cloud IT technology can be scaled up or down at any time based on planned use and specifications without incurring high costs. To assess the impact of cloud computing and artificial intelligence in operational and service advantage Confirmatory factor analysis (CFA) technique is used. The thesis demonstrates how well the measured variables reflect the number of constructs and whether the estimation hypothesis is confirmed or rejected.

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Liu, Wei, Jin Long Zhang et Guang Ming Yang. « Research on Construction of Mobile Payment System Based on the Phone Financial IC Card ». Applied Mechanics and Materials 178-181 (mai 2012) : 2658–63. http://dx.doi.org/10.4028/www.scientific.net/amm.178-181.2658.

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With the rapid growth in the number of the domestic mobile phone users and the widespread use of the third generation (3G) mobile communication technology, mobile payment will become a new means of payment and be gradually accepted. At present, many cities and regions already have a Phone Financial IC card which can provide contact and Non-contact applications of consumer who use the Point of Sales (POS), the phone financial IC card is the SIM card which comply with the financial specifications PBOC2.0, it can provide an individual customer with a debit or credit services and pure e-wallet functions of financial payment. Mobile payment system based on the phone financial IC card will achieve savings, air deposit, inquiries, payments, communications and other functions. On the basis of the project, this paper depicts and analyses the mobile payment system architecture, business functions and key technologies.

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Jatmiko, Muhammad Haryo, et Imronudin Imronudin. « Pengaruh Relative Advantage, Compatibility, Complexity, Observability Dan Trialability Terhadap Intention To Use Pada E-Wallet Dana ». JURNAL LENTERA BISNIS 12, n^o 2 (19 mai 2023) : 538. http://dx.doi.org/10.34127/jrlab.v12i2.780.

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The purpose of this study was to determine the effect of Relative advantage, Compatibility, Complexity, Observability, and Trialability on intention to use. This type of research is quantitative research. The population used in this study were students who used E-wallet Dana users, especially the Surakarta area, who had made online transactions using the E-wallet Dana application. The number of samples used was 162 respondents. The data collection method used in this study was the distribution of questionnaires. The research method used in this study uses SEM PLS. The results of this study relative advantage has a significant effect on the intention to use e-wallet, compatibility has a significant effect on the adoption of mobile payment, complexity does not significantly affect the intention to adopt e-wallet, observability has a significant effect on the intention to use e-wallet services, trialability has a significant effect on the intention to adopt e-wallet. a technology can be adopted and accepted by the community if its relative advantage, compatibility, trialability, and observability characteristics have a high value. This is because these characteristics have a favorable impact on technology adoption. In addition, a technology can also be adopted and accepted by the community if its complexity characteristic has a low value, because this characteristic has a negative effect on technology adoption.Keywords: Relative Advantage, Compatibility, Complexity, Observability, Trialability, Intention to Use

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Shrivastava, Dr Urvashi, et Dr Minal Shah. « Determinants of cross selling through mobile apps in Indian Banks – A Factor Analysis Approach ». Journal of University of Shanghai for Science and Technology 23, n^o 10 (5 octobre 2021) : 161–73. http://dx.doi.org/10.51201/jusst/21/10733.

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With the release of world economic forums report on “New physics of financial services”, the financial ecosystem of India will adapt to digital transformation and artificial intelligence. This will change the competitive dynamics and operating models of Indian Banking Sector creating opportunities to procure and secure customers. The steadiest path to address the challenge is Cross selling. From reduced customer acquisition cost to increase in the wallet share, the economics and financials of cross selling are very compelling and hence have become the strategic priority for Indian banking sector. Banks are placing greater emphasis on providing improved services to their clients, upgrading their expertise to augment customer’s overall experience thereby earning competitive edge. The banking complexity that spans multiple lines of products, diverse serviceable areas and distinct technologies and business processes must be coordinated using mobile banking apps to deliver effective cross-sell programs which the present study proposes.

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