Factors Influencing The Intention to Adopt eWallet among Students of Universiti Putra Malaysia

Ajzen, I. (1991). The theory of planned behaviour. Organizational Behavior and Human Decision Processes, 50(2), 179-219.
Ajzen, I. (2008). Consumer attitudes and behavior. Handbook of Consumer Psychology, 1, 525-548.
Akturan, U., & Tezcan, N. (2012). Mobile banking adoption of the youth market: Perceptions and intentions. Marketing Intelligence and Planning, 30(4), 444–459.
Amoroso, D. L., & Magnier, W. R. (2012). Building a research model for mobile wallet consumer adoption: The case of mobile Suica in Japan. Journal of Theoretical and Applied Electronic Commerce Research, 7(1), 94-110.
Arenas-Gaitán, J., Peral -Peral, B., & Ramón -Jerónimo, M. A. (2015). Elderly and internet banking: An application of UTAUT2. Journal of Internet Banking and Commerce, 20(1), 1–23. https://doi.org/10.1007/978-3-531-92534-9_12
Aydin, G., & Burnaz, S. (2016). Adoption of mobile payment systems: A study on mobile wallets. Journal of Business, Economics and Finance, 5(1), 73-92. Retrieved from: https://www.researchgate.net/publication/299407937_Adoption_of_mobile_ payment_systems_a_study_on_mobile_wallets
Bandura, A. (1986). Social foundations of thought and action: A social cognitive theory. Englewood Cliffs, NJ: Prentice- Hall, Inc.
Bank Negara Malaysia. (2019). List of regulatees. Retrieved from http://www.bnm.gov.my/index.php?ch=ps&pg=ps_regulatees
Batra, R., & Kalra, N. (2016). Are digital wallets the new currency?. Apeejay Journal of Management and Technology, 11(1), 1-12.
Bhattacherjee, A. (2001). Understanding information systems continuance: An expectation-confirmation model. MIS Quarterly, 25(3), 351-370.
Bradford, T., & Hayashi, F. (2014). Mobile payments: Merchants’ perspectives. Economic Review, Federal Reserve Bank of Kansas City, issue Q II, pages 33-58.
Cao, T. K., Dang, P. L., & Nguyen, H. A. (2016). Predicting consumer intention to use mobile payment services: Empirical evidence from Vietnam. International Journal of Marketing Studies, 8(1), 117-124.
Central Bank of Malaysia. (2019). Payment and settlement systems report 2019. Retrieved from https://www.bnm.gov.my/files/publication/fsps/en/2019/cp04.pdf
Chandra, S., & Kumar, K. N. Exploring factors influencing organizational adoption of augmented reality in ecommerce: Empirical analysis using technology-organization-environment model. Journal of Electronic Commerce Research, 19, 237–265.
Chawla, D., & Joshi, H. (2020). Role of mediator in examining the influence of antecedents of mobile wallet adoption on attitude and intention. Global Business Review. https://doi.org/10.1177/0972150920924506
Cheng, S. W., Cheong, M., Lee, J. Y., Lim, J. T., & Mok, W, K. (2018). Curbs on modern technology: Barriers of resistance towards eWallet in Malaysia. Retrieved from http://eprints.utar.edu.my/3073/1/fyp_AC_2018_CSW.pdf
Chris, N. (2019). How a young generation accepts technology. Retrieved from http://atechnologysociety.co.uk/how_young_generation_accepts_technology
Cohen, J. (1988). Statistical power analysis for the behavioral sciences (2nd ed.). Hillsdale, NJ: Erlbaum
Davis, F. D. (1989). Perceived usefulness, perceived ease of use, and user acceptance of information technology. MIS Quarterly, 319-340.
Davis, K. J., Balaji, P., & Gurusamy, S. (2017). Whether eWallets are really a catalyst towards expedition of cashless economy?: An empirical investigation in the aftermath of demonetization. IOSR Journal of Business and Management, 1, 50-55.
Department of Statistics Malaysia. (2019). Current population estimates, Malaysia, 2017?2018. Retrieved from https://www.dosm.gov.my/v1/index.php?r=column/pdfPrev&id=c1pqTnFjb29HSnNYNUpiTmNWZHArdz09
Dulock, H. L. (1993). Research design: Descriptive research. Journal of Pediatric Oncology Nursing, 10(4), 154-157.
Ellia, P. (2017). How cashless is Malaysia right now?. Retrieved from https://fintechnews.my/19964/payments-remittance-malaysia/cashless-malay sia-credit-debit-card-e-wallet-money/
Fishbein, M., & Ajzen, I. (1975). Belief, Attitude, Intention and Behavior: An Introduction to Theory and Research. Reading, MA: Addison-Wesley.
Globe Newswire. (2012). Campus life back in session: College students arrive confident, smarter and with climbing consumer spending power. Retrieved from https://globenewswire.com/news-release/2012/09/12/490387/10004857/en/ Campus-LifeBack-in-Session-College-Students-Arrive-Confident-Smart-erandWith-Climbing Consumer-Spending-Power.html
Gorsuch, R. L. (1974). Factor Analysis. Philadelphia, Penn: Saunders.
Grover, P., Kar, A. K., Janssen, M., & Ilavarasan, P. V. (2019). Perceived usefulness, ease of use and user acceptance of blockchain technology for digital transactions: Insights from user-generated content on Twitter. Enterprise Information Systems, 13, 771–800.
Guilford, J. P. (1954). Psychometric Methods. New York: McGraw-Hill.
Hand Phone Users Survey, (2019). Kajian Pengguna Mudah Alih. Malaysian Communications and Multimedia Commission.
https://www.mcmc.gov.my/ms/resources/statistics/hand-phone-surveys
Heller, L. (2015). Move over Millennials, Generation Z is in charge. Retrieved from www.forbes.com/sites/lauraheller/2015/08/14/move-over-millennials-generationz-is-in-charge/
Intarot, P. (2018). Influencing factor in eWallet acceptant and use. International Journal of Business and Administrative Studies, 4, 167–175.
Karjaluoto, H., Riquelme, H. E., & Rios, R. E. (2010). The moderating effect of gender in the adoption of mobile banking. International Journal of bank marketing, 28(5), 328.
Koening, L. N., Marquet, M., Palmer, A., & Zhao, A. L. (2015). Enjoyment and social influence: Predicting mobile payment adoption. The Service Industries Journal, 35(10), 537-554.
Labaree, R. V. (2009). Research guides: Organizing your social sciences research paper: Qualitative methods. Retrieved from: https://www.afidep.org/wp-content/uploads/2016/08/Module-3-Handout-1-1 2-Ma jor-Types-of-Research-Designs.pdf
Lim, C. Y. (2018). Pushing wider adoption of eWallet. Retrieved from http://www.focusmalaysia.my/Mainstream/pushing-wider-adoption-ofe-wallet
Liu, G. S., & Tai, P. T. (2016). A study of factors affecting the intention to use mobile payment services in Vietnam. Economics, 4(6), 249-273.
Liu, S., Zhuo, Y., Soman, D., & Zhao, M. (2012). The consumer implications of the use of electronic and mobile payment systems. Rotman School of Management, University of Toronto.
Lu, J., Yao, J. E., & Yu, C. S. (2005). Personal innovativeness, social influences and adoption of wireless internet services via mobile technology. The Journal of Strategic Information Systems, 14(3), 245-268.
Lwoga, E. T., & Lwoga, N. B. (2017). User acceptance of mobile payment: The effects of user?centric security, system characteristics and gender. The Electronic Journal of Information Systems in Developing Countries, 81(1), 1-24.
Madan, K., & Yadav, R. (2016). Behavioural intention to adopt mobile wallet: A developing country perspective. Journal of Indian Business Research, 8(3), 227-244. https://doi.org/10.1108/JIBR-10-2015-0112
Manikandan, S., & Jayakodi, J. M. (2017). An empirical study on consumer adoption of mobile wallet with special reference to Chennai city. International Journal of Research-Granthalaya, 5(5), 107-115.
Mehrad, D., & Mohammadi, S. (2017). Word of mouth impact on the adoption of mobile banking in Iran. Telematics and Informatics, 34(7), 1351-1363.
Murthy, S. R., & Mani, M. (2013). Discerning rejection of technology. Sage Open, 3(2), 1-10.
Mun, Y., Khalid, H., & Nadarajah, D. (2017). Millennials' perception on mobile payment services in Malaysia. Procedia Computer Science, 124, 397-404.
Oliveira, T., Thomas, M., Baptista, G., & Campos, F. (2016). Mobile payment: Understanding the determinants of customer adoption and intention to recommend the technology. Computers in Human Behavior, 61, 404-414.
Olsen, M., Hedman, J., & Vatrapu, R. (2012). Designing digital payment artifacts. In Proceedings of the 14th Annual International Conference on Electronic Commerce, 161-168.
Pal, D., Vanijja, V., & Papasratorn, B. (2015). An empirical analysis towards the adoption of NFC mobile payment system by the end user. Procedia Computer Science, 69, 13-25.
Patel, V. (2016). Use of Mobile wallet service by the youth: A study based in Ahmedabad. ASBM Journal of Management, 9(2), 50.
Rai, N., Ashok, A., Chakraborty, J., Arolker, P., & Gajera, S. (2012). M-wallet: An SMS based payment system. International Journal of Engineering Research and Applications, 258-263.
Rogers, E. M. (1995). Diffusion of Innovations (4th edition). New York: Free Press
Roy, S., & Sinha, I. (2017). Factors affecting customers’ adoption of electronic payment: An empirical analysis. Journal of Business and Management, 19(12), 76-90.
Sarika, P. & Vasantha, S. (2019). Impact of mobile wallets on cashless transaction. International Journal of Recent Technology and Engineering, 7, 1164–1171.
Saxena, S., Vyas, S., Kumar, B. S., & Gupta, S. (2019). Survey on online electronic payments security. In 2019 Amity International Conference on Artificial Intelligence (AICAI), 756-751. IEEE.
Shankar, A., & Datta, B. (2018). Factors Affecting Mobile Payment Adoption Intention: An Indian Perspective. Global Business Review, 19, S72–S89.
Seetharaman, A., Kumar, K. N., Palaniappan, S., & Weber, G. (2017). Factors influencing behavioural intention to use the mobile wallet in Singapore. Journal of Applied Economics & Business Research, 7(2), 116-136.
Shin, D. H. (2009). Towards an understanding of the consumer acceptance of mobile wallet. Computers in Human Behavior, 25(6), 1343-1354.
Sidek, N. (2015). Determinants of electronic payment adoption in Malaysia: The stakeholders' perspectives. Retrieved from https://core.ac.uk/download/pdf/43372344.pdf
Suh, B., & Han, I. (2003). The impact of customer trust and perception of security control on the acceptance of electronic commerce. International Journal of Electronic Commerce, 7(3), 135-161.
Sunny, P., & George, A. (2018). Determinants of behavioral intention to use mobile wallets– A conceptual model. Journal of Management (JOM), 5(5), 52-62.
Taheam, K., Sharma, R., & Goswami, S. (2016). Drivers of digital wallet usage: Implications for leveraging digital marketing. International Journal of Economic Research, 13(1), 175-186.
Tan, Y., & Cheong, Y. L. (2018). Banking on the eWallet in Malaysia. Retrieved from https://www.pwc.com/my/en/assets/blog/pwc-my-deals-strategy-banking-on-theewallet-in-malaysia.pdf
Tavilla, E. (2012). Opportunities and challenges to broad acceptance of mobile payments in the United States. Federal Reserve Bank of Boston.
Teng, P. K., Ling, T. J., & Seng, K. W. K. (2018). Understanding customer intention to use mobile payment services in Nanjing, China. International Journal of Community Development and Management Studies, 2, 49-60. Retrieved from
http://ijcdms.org/Volume02/v2p049060Teng4446.pdf
Teo, T. S., & Ranganathan, C. (2004). Adopters and non-adopters of business-to-business electronic commerce in Singapore. Information Management, 42(1), 89-102.
Teoh, M. Y., Chong, W. C., S., Lin, S. B., & Chua, W. J. (2013). Factors affecting consumers’ perception of electronic payment: An empirical analysis. Internet Research, 23(4), 465-485.
The Nielson Company. (2019). Cash or cashless? Malaysia's shifting payment landscape. Retrieved from https://www.nielsen.com/my/en/insights/reports/2019/cash-or-cashless-mala ysias -shifting-payment-landscape.html
Trivedi, J. (2016). Factors determining the acceptance of EWallets. International Journal of Applied Marketing and Management, 1(2), 42-53.
Toh, T. W., Marthandan, G., Chong, A. Y. L., Ooi, K. B., & Arumugam, S. (2009). What drives Malaysian m-commerce adoption? An empirical analysis. Industrial Management and Data Systems, 109(3), 370-388.
Tu, N. V. (2019). Factors influencing consumers' intention to adopt mobile wallet in Ho Chi Minh city. Retrieved from
https://pdfs.semanticscholar.org/8cc3/7c8860bc5623a61b2fbe77dedacc8f23e ba7.pdf
Varsha, R., & Thulasiram, M. (2016). Acceptance of eWallet services: A study of consumer behavior. International Journal of Innovative Research in Management Studies, 1(4), 2455-7188.
Venkatesh, V., & Davis, F. (2000). A theoretical extension of the technology acceptance model: Four longitudinal field studies. Management Science, 46(2), 186–204.
Venkatesh, V., Morris, M. G., Davis, G. B., & Davis, F. D. (2003). User acceptance of information technology: Toward a unified view. MIS Quarterly:Management Information Systems, 27(3), 425-478.
Venkatesh, V., Thong, J. Y., & Xu, X. (2012). Consumer acceptance and use of information technology: Extending the unified theory of acceptance and use of technology. MIS Quarterly, 36(1), 157-178.
Wong, W. H., & Mo, W. Y. (2019). A study of consumer intention of mobile payment in Hong Kong, based on perceived risk, perceived trust, perceived security and technological acceptance model. Journal of Advanced Management Science, 7, 33–38.
Wright, S., O'Brien, B. C., Nimmon, L., Law, M., & Mylopoulos, M. (2016). Research design considerations. Journal of Graduate Medical Education, 8(1), 97-98.
Yang, M., Mamun, A. A., Mohiuddin, M., Nawi, N. C., & Zainol, N. R. (2021). Cashless transactions: A study on intention and adoption of eWallets. Sustainability, 13, 831. https://doi.org/10.3390/su13020831
Yapp, E. (2018). A year on, Axiata digital tags on mobile wallet to boost app. Retrieved from https://www.digitalnewsasia.com/business/year-axiata-digital-tags-mobilewallet

In-Text Citation: (Osman & Yi, 2021)
To Cite this Article: Osman, S., & Yi, L. Y. (2021). Factors Influencing The Intention to Adopt eWallet among Students of Universiti Putra Malaysia. International Journal of Academic Research in Business and Social Sciences, 11(11), 1624–1641.

Copyright: © 2021 The Author(s)
Published by HRMARS (www.hrmars.com)
This article is published under the Creative Commons Attribution (CC BY 4.0) license. Anyone may reproduce, distribute, translate and create derivative works of this article (for both commercial and non-commercial purposes), subject to full attribution to the original publication and authors. The full terms of this license may be seen at: http://creativecommons.org/licences/by/4.0/legalcode