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348627

Investigating Factors Affecting Readiness to M-Wallet Applications

Article

Last updated: 24 Dec 2024

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Abstract

In respect of digitalization, generally information and communication technology advancements have invaded all economic sectors and industries, M-wallet, also known as a mobile wallet, is a digital wallet that allows users to store, manage, and make transactions using their mobile devices. M-wallet seems to be the upcoming trend; it is still in its infancy especially in the banking industry. This research aims to study the effect of performance expectancy, effort expectancy, and social factors on client's readiness of m-wallet through behavioral intention while highlighting the mediating and moderating factors in the Egyptian banking sector and study Perceived COVID-19 Risk and customer readiness with the mediating role of perceived usefulness, through conducting questionnaires on 500 of banks customers. Data collected was statistically analyzed using Regression and SEM. Results showed a significant impact of all the factors under study, the readiness of m-wallet is directly affected by the level of performance expectancy, effort expectancy, and social factors within banks in Egypt considering behavioral intention.

DOI

10.21608/acj.2024.348627

Keywords

M-wallet applications, Readiness, Digitalization challenges, Financial technology Banking sector and Structural Equation Modelling

Authors

First Name

Miran

Last Name

Ismail

MiddleName

-

Affiliation

Business Information Systems Department College of Management and Technology Arab Academy for science, Technology and Maritime Transport Alexandria, Egypt

Email

miran_ismail@aast.edu

City

-

Orcid

-

First Name

Nermin

Last Name

Gohar

MiddleName

-

Affiliation

Supply Chain Department Nile University Business School Cairo, Egypt

Email

ngohar@nu.edu.eg

City

-

Orcid

-

Volume

61

Article Issue

2

Related Issue

46998

Issue Date

2024-03-01

Receive Date

2023-12-19

Publish Date

2024-03-30

Page Start

163

Page End

196

Print ISSN

2682-4183

Online ISSN

2682-4191

Article File

ACJ_Volume 61_Issue 2_Pages 163-196.pdf

PDF . 7.4MB

Link

https://acjalexu.journals.ekb.eg/article_348627.html

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https://acjalexu.journals.ekb.eg/service?article_code=348627

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5

Type

المقالة الأصلية

Type Code

759

Publication Type

Journal

Publication Title

مجلة جامعة الإسکندرية للعلوم الإدارية

Publication Link

https://acjalexu.journals.ekb.eg/

MainTitle

Investigating Factors Affecting Readiness to M-Wallet Applications

Details

Type

Article

Created At

24 Dec 2024