ISSN: 2225-8329
Open access
This study explores the key factors influencing the continuance usage of financial technology (FinTech) products, specifically e-wallet applications, in Jordan. By integrating constructs from the Unified Theory of Acceptance and Use of Technology 2 (UTAUT2) and the Information System Success (ISS) model, this paper investigates how performance expectancy, and habit shape continuous usage behavior with a specific focus on user satisfaction as a mediate factor between system quality and usage. Survey data from active e-wallet users in Jordan are analyzed. The collected data were analyzed using Partial Least a Squares Structural Equation Modeling (PLS-SEM) to investigate the relationships among the variables. The results confirm that both performance expectancy, and habit positively influence CU. The results support the significant effect of the mediating effect of user satisfaction. The findings offer theoretical and practical insights for FinTech developers, banks, and policymakers seeking to improve user retention and long-term engagement with e-wallet platforms.
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