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What Drives Digital Wallet Use?: An Empirical Insight From a Developing Economy
Abstract
Financial technology (FinTech) payment tools, such as digital wallets, are becoming crucial to the digital economy. This study explores the digital wallet landscape in Brunei Darussalam, a developing nation with a growing digital ecosystem. It investigates the adoption levels of local digital wallet platforms, focusing on both users and non-users. The study examines the direct effects of effort expectancy (EE), lifestyle compatibility (LC), and social influence (SI) on digital wallet usage. Additionally, it analyzes how age, income level, and personal innovativeness moderate the relationship between behavioral intention and actual usage. The findings show that EE and LC significantly influence behavioral intention, which in turn affects actual usage. Contrary to common belief, demographic factors (age, income, and personal innovativeness) do not moderate this relationship. The study's insights helps policymakers and authorities develop strategies to leverage the shift in the e-commerce landscape.
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