Assessing the Factors Influencing Behavioural Intention of the Continued Usage of E- Wallets: The Moderating Role of Perceived Technological Innovativeness and Trust

Abstract

The study's main objectives were to identify the variables influencing behavioral intention and to measure the influence of perceived technological innovation and trust as moderators on the intention to continue using e-wallets. 525 respondents—mostly Indian e-wallet users—completed the survey that yielded the information. In this study, intentional sampling was used to collect data from a sample of 436 respondents. A research tool can be evaluated using three primary methods: multiple linear regression testing, validity and reliability testing, and hypothesis testing, which includes the t-test, F-test, and coefficient of determination tests. The findings indicated that perceived usefulness and perceived security are the two most important factors influencing the behavioral intention to continue using e-wallets. The results show that a number of factors have a substantial impact on the desire to continue using e-wallets as a new payment method in the future. The study's findings are helpful for organizations like e-wallet providers, the government, and even the general public when analyzing e-wallet payment systems and assessing how sustainable the shift to cashless transactions is.