Does personal innovativeness and personal anxiety matter? The predictors of continuance use intention of an e-wallet system

IF 2.5 4区计算机科学 Q2 COMPUTER SCIENCE, CYBERNETICS

Kybernetes Pub Date : 2024-06-25 DOI:10.1108/k-10-2023-2213

Yang Tian, Tak Jie Chan, Tze Wei Liew, Ming Hui Chen, Huan Na Liu

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引用次数: 0

Abstract

Purpose

Electronic wallets (e-wallet) systems have revolutionized transactional activities, prompting individuals to adopt digital payment methods. This study investigates the determinants of the continuance intention of the e-wallet system Touch 'n Go in Malaysia. We propose a framework integrating the diffusion of innovation theory (DOI) and mental accounting theory, thereby assessing the impacts of product-related factors (convenience, compatibility, perceived risk and perceived compatibility) and the moderating role of personal-related factors [personal innovativeness (PI) and personal anxiety].

Design/methodology/approach

Data were collected involving 381 Malaysian Touch 'n Go users. The partial least squares structural equation modeling (PLS-SEM) was applied as a data analysis technique.

Findings

As demonstrated by the results, convenience serves as a facilitator, while perceived risk acts as an inhibitor, influencing the continuance intention of the application. Compatibility and perceived complexity are found to be insignificant antecedents. However, neither PI nor personal anxiety was found as moderators.

Originality/value

This research brings contributions to the electronic commerce literature by extending the understanding of the predictors and moderators of the continuance intention of Touch 'n Go users in Malaysia. We discuss how these findings implicate the two theories and offer insights for service providers and policymakers to promote the post-adoption intentions of Touch 'n Go.

查看原文本刊更多论文

个人创新能力和个人焦虑重要吗？电子钱包系统持续使用意向的预测因素

目的电子钱包（e-wallet）系统彻底改变了交易活动，促使个人采用数字支付方式。本研究调查了马来西亚电子钱包系统 Touch 'n Go 的持续意向的决定因素。我们提出了一个整合创新扩散理论（DOI）和心理会计理论的框架，从而评估产品相关因素（便利性、兼容性、感知风险和感知兼容性）的影响以及个人相关因素（个人创新性（PI）和个人焦虑）的调节作用。研究结果表明，便利性是影响应用持续意向的促进因素，而感知风险则是抑制因素。兼容性和感知复杂性被认为是不重要的前因。原创性/价值本研究通过扩展对马来西亚 Touch 'n Go 用户持续意向的预测因素和调节因素的理解，为电子商务文献做出了贡献。我们讨论了这些发现如何与两个理论相联系，并为服务提供商和政策制定者提供了促进 Touch 'n Go 使用后意向的见解。

本文章由计算机程序翻译，如有差异，请以英文原文为准。

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来源期刊

Kybernetes 工程技术-计算机：控制论

CiteScore

4.90

自引率

16.00%

发文量

237

审稿时长

4.3 months

期刊介绍： Kybernetes is the official journal of the UNESCO recognized World Organisation of Systems and Cybernetics (WOSC), and The Cybernetics Society. The journal is an important forum for the exchange of knowledge and information among all those who are interested in cybernetics and systems thinking. It is devoted to improvement in the understanding of human, social, organizational, technological and sustainable aspects of society and their interdependencies. It encourages consideration of a range of theories, methodologies and approaches, and their transdisciplinary links. The spirit of the journal comes from Norbert Wiener''s understanding of cybernetics as "The Human Use of Human Beings." Hence, Kybernetes strives for examination and analysis, based on a systemic frame of reference, of burning issues of ecosystems, society, organizations, businesses and human behavior.