Faktor Penentu Niat Penggunaan e-Dompet pasca Pandemik COVID-19 di Malaysia: Integrasi Model UTAUT dan MAT

Q3 Business, Management and Accounting

Jurnal Pengurusan Pub Date : 2022-12-01 DOI:10.17576/pengurusan-2022-66-09

Syajarul Imna Mohd Amin

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引用次数: 0

Abstract

Pandemik COVID-19 secara tidak langsung telah mempercepatkan peralihan gaya hidup kepada masyarakat tanpa tunai dan penerapan transaksi pembayaran secara digital. Namun berbanding saluran pembayaran digital sedia ada, tahap penerimaan e-dompet dalam kalangan pengguna di Malaysia masih rendah. Oleh itu, kajian ini bertujuan untuk mengenalpasti faktor yang mempengaruhi niat penggunaan e-dompet dalam kalangan pengguna di Malaysia pasca pandemik COVID-19. Kajian ini mengintegrasikan model Unified Theory of Acceptance and Use of Technology (UTAUT) dan Mental Accounting Theory (MAT) dengan mengambil kira faktor tambahan persepsi faedah, persepsi keselamatan dan kepercayaan. Ia menggunakan teknik persampelan bertujuan dan mengumpulkan 303 respon melalui tinjauan soal-selidik. Berdasarkan analisis PLS-SEM, dapatan kajian menunjukkan bahawa persepsi faedah, persepsi keselamatan, kepercayaan dan pengaruh sosial memberi kesan positif ke atas niat penggunaan e-dompet. Manakala kesan jangkaan prestasi dan jangkaan usaha adalah tidak signifikan. Kajian ini dapat menyediakan maklumat kepada pihak industri untuk memahami tingkah laku pengguna pasca pandemik bagi membangunkan strategi perniagaan dan aplikasi pembayaran secara digital seperti menambah baik reka bentuk, kandungan, sistem dan fitur e-dompet.Alternate :The COVID-19 pandemic has indirectly accelerated the lifestyle transition to a cashless society and the application of digital payment transactions. However, compared to existing digital payment channels, the acceptance of e-wallets among consumers in Malaysia is still minimal. Therefore, this study aims to identify factors affecting the consumers ' intention to use e-wallets during the post-COVID-19 pandemic in Malaysia. The study integrates the Unified Theory of Acceptance and Use of Technology (UTAUT) and Mental Accounting Theory (MA T) models by considering additional factors ofperceived benefit, perceived security, and trust. It uses the purposive sampling technique and collected 303 responses through a survey. Based on the PLS-SEM analysis, the findings indicate that perceived benefits, perceived security, trust, and social influence positively impact the intention to use e-wallets. Meanwhile, the effects of performance expectation and effort expectation are not significant. This study provides knowledge to the industry to understand consumer behaviour during postpandemic to develop business strategies and digital payment applications such as by enhancing e-wallet design, content, system and features.

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马来西亚新冠肺炎大流行护照电子钱包完整性因素：UTAUT和MAT模型集成

新冠肺炎疫情间接加速了生活方式向自由社会的转变和数字支付交易的应用。但与现有的数字支付渠道相比，马来西亚用户的电子钱包接收率仍然很低。因此，本研究的目的是确定新冠肺炎大流行后影响马来西亚用户使用电子钱包意图的因素。本研究整合了技术接受和使用统一理论（UTAUT）和心理会计理论（MAT）模型，考虑了利益感知、安全感知和信任等额外因素。它使用有针对性的抽样技术，通过研究收集了303份回复。基于PLS-SEM分析，研究表明，利益感知、安全感知、信任和社会影响对使用电子钱包的意图有积极影响。而绩效预期和努力预期的影响是微不足道的。这项研究可以为行业提供信息，以了解疫情后用户在制定商业战略和数字支付应用程序（如添加良好的设计、内容、，新冠肺炎疫情间接加速了向无现金社会的生活方式转变和数字支付交易的应用。然而，与现有的数字支付渠道相比，马来西亚消费者对电子钱包的接受程度仍然很低。因此，本研究旨在确定影响马来西亚新冠肺炎疫情后消费者使用电子钱包意愿的因素。该研究通过考虑感知利益、感知安全和信任等额外因素，整合了技术接受和使用统一理论（UTAUT）和心理会计理论（MA T）模型。它使用了有目的的抽样技术，通过一项调查收集了303份回复。基于PLS-SEM分析，研究结果表明，感知利益、感知安全、信任和社会影响对使用电子钱包的意愿产生了积极影响。同时，绩效预期和努力预期的影响并不显著。这项研究为行业提供了了解疫情后消费者行为的知识，以制定商业战略和数字支付应用程序，例如通过增强电子钱包的设计、内容、系统和功能。

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

Jurnal Pengurusan Business, Management and Accounting-Business and International Management

CiteScore

1.20

自引率

0.00%

发文量

期刊介绍： Jurnal Pengurusan (UKM Journal of Management) is published three times a year in June, September and December by UKM Press, Universiti Kebangsaan Malaysia. It publishes original works that advance knowledge of theory, practice and research across the business management discipline. It aims to provide Asian regional perspectives on management of benefit to scholars, educators, students, practitioners, policy-makers and consultants worldwide. The research covers organizational and individual level of analysis in the field of management, managerial accounting, finance and banking, marketing, entrepreneurship and other related areas. This journal accepts both empirical and conceptual research papers with relevant methodological approaches.