e wallet
216439232
E Wallet Transactional Framework for Digital Economy: A Perspective from Islamic Financial Engineering
The development of electronic wallet (e wallet) aims to encourage customers and small business owners to use digital payments for a safer, cashless, and efficient transaction. This study developed a procedure to discover the transactional framework for the e wallet payment system in the digital economy. This study explained the procedure of the transaction process, starting from registration of user and service provider, payment composition and profit generation for the business model of e wallet provider. This study provides a precise and reliable analysis to increase public awareness about the e wallet transaction. At the same time, the framework in this study functions to help small and medium industries grow in the digital economy segments.
Abu Bakar Nashirah Sofian Rosbi Kiyotaka Uzaki
225456606
COVID 19 and e wallet usage intention: A multigroup analysis between Indonesia and Malaysia
Abstract Physical distancing policy that is encouraged by the World Health Organization (WHO) has inspired consumers to do contactless activities, including payment transaction. Government authorities in a growing number of countries are taking actions to encourage contactless payments as the COVID 19 pandemic escalates. People are worried that novel coronavirus (SARS Cov2) can be transmitted through physical money. It drives them to shift to e wallet. Due to a lack of study on this topic, the present study contributes to the literature by examining the effect of perceived risk, government support, and perceived usefulness on customers' intention to use e wallet during COVID 19 outbreak. To give more fruitful insight, another major contribution of this study is investigating the group difference between Indonesia and Malaysia in the overall model. Questionnaires are distributed to the respondents by using a proportional sampling technique. As a result, 259 total respondents from Indonesia and 207 from Malaysia are collected. Both countries are selected because Indonesia and Malaysia can be considered as the two worst countries in ASEAN affected by COVID 19. The model is tested using PLS Structural Equation Modeling (SEM) approach. The results show that the effects of government support on the intention to use e wallets differ between countries. Besides, perceived usefulness fully mediated government support intention to use e wallets relationship, and partially mediated the effect of perceived risk on intention to use e wallets.
Hendy Mustiko Aji Izra Berakon Maizaitulaidawati Md Husin
226647744
EVALUATING FACTORS THAT LEAD TO CUSTOMER SATISFACTION IN E WALLET SERVICES
The purpose of this study is to evaluate the factors that may lead to customer satisfaction in the E wallet services in Malaysia. E wallet recently introduced by the financial institution as alternative of payment method for customers. Service providers need to know the customer perceptions and find ways to maximize customer satisfaction in order to expend their market share. The study applied quantitative method where data was collected using questionnaires. 500 questionnaires distributed through google form to various social groups among students in Kuala Lumpur. 212 usable responses gathered within a 14 days of grace period given. 3 reminders sent generally to all the social groups to get more participations. The results show that three main factors that are important namely service quality, trust and brand image. Service providers may use the result of analysis in preparing their marketing and communication strategy for their acquisition campaign.
Mohd Farid Shamsudin Siti Hajar Aishah Azuwan Syafiqah Md Nayan Siti Aisyah Esa Baharudin Kadir
225015185
Trust dan Perceived Usefulness dan Pengaruhnya Terhadap Preferensi Konsumen Dalam Menggunakan E wallet
The bloom of banking and fintech companies in Indonesia is marked by the rapid growth of e wallet users in recent years. The bloom is encouraged by the government by establishing the Gerakan Nasional Non Tunai program to promote cashless society among millennials who are already familiar with cashless lifestyle. There are many factors which attract people to use e wallet, such as trust, usefulness, and promotion. This research aims to examine the effect of trust and perceived usefulness moderated by the promotion variable on consumers' preference towards two e wallet brands OVO and GoPay. This quantitative research is conducted using Likert scale. The Analysis of Variance (ANOVA) method is used to examine whether each variable has different effect in shaping consumers' preference. The samples used in this research are active users of OVO and GoPay who are currently living in Semarang. The ANOVA results show that trust, usefulness, and promotion does not have different effect in shaping consumers' preference. However, they do attract consumers to use e wallet. This research might be useful to help develop better quality of e wallet service, security, and utility and build a perfect marketing strategy for banking and fintech companies.
Vania Katherine Hermawan Eristia Lidia Paramita
216523918
Pengaruh Kemanfaatan, Kemudahan Penggunaan dan Promosi terhadap Keputusan Penggunaan E Wallet OVO di Depok
Abstract More online transactions are increasing, causing some new technology in the financial sector, one of which is e wallet. There are 38 recorded e wallets in Indonesia that have been licensed by Bank Indonesia, one of which is OVO. As the second most popular e wallet in Indonesia OVO continues to innovate to increase the use of OVO. This study discusses the great benefits, benefits of using and promoting the decision to use OVO e wallet by the people in Depok. This research method is quantitative descriptive, with 100 respondents using convenience sampling method. Data processing uses multiple linear analysis. This study produced significant and significant conclusions both partially and simultaneously between the variables of expediency, ease of use and promotion of the decision to use the OVO e wallet. Keywords expediency, ease of use, promotion, decision on use, e wallet
Wiwik Widiyanti
233203235
DETERMINANTS OF BEHAVIOURAL INTENTION ON E WALLET USAGE: AN EMPIRICAL EXAMINATION IN AMID OF COVID 19 LOCKDOWN PERIOD
The Government of India has announced nationwide lockdown in four phases from 24 th of March 2020 in India due to eradication and elimination of COVID 19 from the country. The essential services including food industry, petrol pumps, banks and ATMs are exempted from Lockdown. Citizens of the country were had no other choice rather than staying at home due to COVID 19 pandemic India. The social distancing and avoidance of physical touch were the major measures to escape from COVID 19 virus. The use of digital transactions and electronic cash transfer were encouraged in every nook and corner of the country. The present empirical study was aimed to investigate the significant predictors of behavioural intention on e wallet usage in amid of COVID 19 lockdown period. This study was adopted empirical research design to online survey method to gather the perception of e wallet users in the study area. The results indicates that perceived security, social influence, performance expectancy are the positive and significant predictors of e wallet usage whereas, effort expectancy do not have significant influence on e wallet usage. Further, e wallets usage should be encouraged to avoid unnecessary visit to banks, implementation social distancing, avoidance of physical touch while exchange of cash amid of COVID 19 pandemic in India and also to create positive attitude among citizens of the country towards adoption of cashless economy.
Dr C Revathy
234538154
The Barriers towards the Adoption of E Wallet Payment System
Many countries including Malaysia are aiming for cashless society, in which represent the transition of business transaction from cash to electronic based transactions Hence, the escalating trend of using electronic payment system can be observed especially during the COVID 19 crisis where consumers are transitioning to electronic commerce (e commerce) as well as mobile commerce (m commerce) business, however there are consumers who are not keen on e wallet usage Thus, this research aims to investigate the barriers towards the adoption of E Wallet payment system Based on Innovation Resistance Theory (IRT) the barriers refer to the factors of value barrier (VB) usage barrier (UB) risk barrier (RB) and perceived cost barrier (PCB) The results of the research were obtained from 248 respondents of fourth year students in the Faculty of Entrepreneurship and Business, University Malaysia Kelantan with the help of Krejcie and Morgan table sampling method and through the use of questionnaire Besides, Statistical Package of Social Sciences (SPSS) method and Spearman's correlation analysis were also used to analyze the data from the questionnaire It was found that value barrier, usage barrier, risk barrier as well as perceived cost barrier have a significant relationship with the adoption of E wallet payment system As the results highlighted the barricades that cease an individual from using e wallet despite of its benefits, the policy maker can ponder the result to accelerate the adoption of e wallet to a more desirable level in the nation (c) International Research Publication House
Nur Izzati Mohamad Anuar Nik Malini Nik Mahdi Nik Alif Amri Nik Hashim Siti Rohana Mohamad Siti Afiqah Zainuddin Nur Farahiah Azmi Wan Farha Wan Zulkiffli
218489559
The Impact of E Wallet on ADNOC's Customer Satisfaction
This paper analyzes the effects of E Wallet on Abu Dhabi National Oil Company (ADNOC) customers' satisfaction. A comprehensive discussion of the various services provided by ADNOC was presented to capture related and unrelated product offerings. Given that the primary offering is fueling, ADNOC also provides services such as lubrication, car wash options and tire centers. The ADNOC stations also have alliances with the food and beverage industry such as McDonald's corporation, Costa Coffee as well as Starbucks. Given that this paper presents the first study of ANDOC's utilization of the E Wallet and customer satisfaction, results from other industries were reviewed to establish an overview of customers' utilization of E Payment facilities. For this study a survey was administered to solicit responses from ADNOC's customers to ascertain the satisfaction level of the utilization of the E Wallet. Coefficient alpha was used to measure the internal consistency reliability of both E wallet and Customer Satisfaction subsets. The research paper also used Pearson's correlation coefficient to assess the degree of possible relationship between the Pearson's correlation coefficient. Coefficient alpha was 0.85 and 0.95 for E wallet and Customer Satisfaction respectively. Pearson's correlation coefficient test was 0.815 indicates that there is strong relationship between Pearson's correlation coefficient. The finding is expected to help ADNOC management to better understand the concept of "know your customers"
Gaukharay Argimbayeva Ines Menasria Elgilani Eltahir Elshareif Alfred Lewis
214701518
Innovation resistance and perceive novelty on e wallet services
E wallet, or also known as the digital wallet is a structure that saves users' pins and payment information securely as a means of transaction. Because of the progress of mobile technologies, the use of e wallet facilities is increasing globally, including in Indonesia. In comparison, on e wallet services, less attention is paid to user related Innovation Resistance issues. This paper aims to review the Innovation Resistance Theory that consists of Use, Value, Risk, Tradition, and Image Barrier to investigate e wallet resistance. This study views perceived novelty factor which proposed in previous studies that focused on mobile application and e wallet services. The result of this paper is regarded as essential to provide a baseline for future e wallet services to accommodate user needs and increase e wallet utilization.
Muhammad Fikry Aransyah Juliansyah Roy Yesi Aprianti
224848940
Determinants of the Use of E Wallet for Transaction Payment among College Students
This study aims to determine the factors that influence behavioral intentions to use E wallet. The factors tested include application quality, perceived usefulness, perceived ease of use, and attitude toward using. The population in this study is college students in Jember Regency, Indonesia. Data analysis is carried out using Variance based Partial Least Square. The number of samples used is 180 college students as users of the e wallet application. Six hypotheses are tested, and four hypotheses are successfully accepted. Perceived ease of use has a positive effect on perceived usefulness. Perceived usefulness has a positive effect on attitude toward using e wallet applications. Attitude plays a vital role in behavioral intentions to use e wallets. The quality of the e wallet application does not affect the level of perceived usefulness. The perceived ease of use of the application has no direct effect on attitude. This study's results are beneficial for e wallet providers to increase the level of the use of e wallet.
Alwan Sri Kustono Ardhya Yudistira Adi Nanggala Imam Mas'ud