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Factors influencing intention to continue use of e-wallet: mediating role of perceived usefulness

Author

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  • Ajay Kumar
  • Piali Haldar
  • Sharad Chaturvedi

Abstract

Purpose - The extensive use of digital payment methods has made financial ecosystems more open and effective. As technology develops, the future of commerce is significantly shaped by digital payments and e-wallets. This study aimed to examine the influencing factors on the intention to continue use (ICU) of e-wallets. Design/methodology/approach - A sample of 246 respondents was employed in the data analysis using Smart-PLS 4. Data were collected from e-wallet users using convenience sampling from India. Online survey was conducted for data collection. Findings - This study found that consumers’ intention to continue use of e-wallets is positively influenced by perceived usefulness, perceived ease of use and rewards. Also, perceived usefulness (PU) shows a significant partial mediating role between perceived ease of use (PEOU), rewards (RW) and ICU. However, it shows a fully mediating role between perceived enjoyment (PEJ) and intention to continue use (ICU). Originality/value - E-wallet providers should emphasize to provide easy to use e-wallet applications but with rewards. This study added knowledge to the existing literature focusing on the influence of perceived ease of use and rewards on intention to continue use of e-wallets through perceived usefulness, which was not previously tested empirically.

Suggested Citation

  • Ajay Kumar & Piali Haldar & Sharad Chaturvedi, 2024. "Factors influencing intention to continue use of e-wallet: mediating role of perceived usefulness," Vilakshan - XIMB Journal of Management, Emerald Group Publishing Limited, vol. 22(1), pages 45-61, August.
    • Handle: RePEc:eme:xjmpps:xjm-12-2023-0243
    DOI: 10.1108/XJM-12-2023-0243
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