Factors Influencing Individual’s E-wallet ‎Usage in Kurdistan Region of Iraq

Keywords: Mobile Payment, E-wallet, FastPay, Cashless Payment, E-Wallet applications


E-Wallets play a critical role in many ways people do cashless transactions. Technology innovations have made smartphone users carry out many transactions or payments using applications installed on their smartphones. The COVID-19 pandemic has boosted cashless payment awareness in numerous countries, including Iraq. The research objectives are to determine the factors that influence E-wallet usage in the Kurdistan Region of Iraq. This study methodology uses a questionnaire distribution based on the structural equation model. Ninety-nine sets of valuable data were collected from lecturers who use the FastPay E-Wallet application at the University of Cihan-Erbil. The collected data have been analyzed using SmartPLS data analysis software. The current study revealed that perceived security, trust, ease of use, and usefulness strongly influence E-Wallet usage. A future study suggests researching different E-Wallet applications since this research only focused on FastPay.


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Author Biography

Twana T. Sulaiman, Department of Banking and Financial Sciences, Cihan University-Erbil, Kurdistan Region, Iraq
Twana Tahseen Sulaiman is an Assistant Lecturer at the Department of Banking and Financial Sciences, College of Administration and Financial Sciences,  University of Cihan-Erbil. He got a Bachelor's degree in business and management from the University of Kurdistan Hawler in 2012. He earned a Master's degree in business and management from the University of Kurdistan Hawler in 2015. His research interests are in electronic payment, technology adoption and cryptocurrency.


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How to Cite
Sulaiman, T. (2023). Factors Influencing Individual’s E-wallet ‎Usage in Kurdistan Region of Iraq. Cihan University-Erbil Journal of Humanities and Social Sciences, 7(1), 16-21. https://doi.org/10.24086/cuejhss.v7n1y2023.pp16-21