Determinants of E-wallet Acceptance Among Low-Income Group in Malaysia: a Pilot Study

Nur Syafatul Aqilla Binti Samar , Shafinar Ismail , Nur Hayati Abd Rahman

Abstract


Developing acceptance of e-wallets among low-income groups is challenging due to factors such as financial limitations, digital literacy gaps, and concerns about security and usability. This study proposes a relationship model using a quantitative research design to validate the hypothesized factors and establish their interconnections. The key determinants influencing e-wallet acceptance include performance expectancy, effort expectancy, and facilitating conditions, with behavioral intention serving as a mediating factor. To ensure the reliability and validity of the research instrument, a two-step verification process was conducted. First, a panel of experts reviewed the questionnaire during the validation phase, and their feedback was incorporated. Second, a pilot study was conducted to examine the instrument's consistency using Cronbach’s Alpha coefficient reliability screening in SPSS 29 software. The results confirmed that all items were reliable, with a Cronbach’s Alpha coefficient exceeding 0.7, indicating strong internal consistency


Keywords


E-Wallet Acceptance; Low-Income Groups; Pilot Study,; Questionnaire

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References


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DOI: http://dx.doi.org/10.24042/ijebi.v10i1.26415

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Ikonomika : Jurnal Ekonomi dan Bisnis Islam  is a Journal of Islamic Economics and Business, Published by the Faculty of Islamic Economics and Business at UIN Raden Intan Lampung Indonesia. This work is licensed under a Creative Commons Attribution-ShareAlike 4.0 International License.