Factors Influencing Individual’s E-wallet Usage in Kurdistan Region of Iraq
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.
Al-Dmour, A., Al-Dmour, H., Al-Barghuthi, R., Al-Dmour, R., & Alshurideh, M. (2021). Factors influencing the adoption of e-payment during pandemic outbreak (COVID-19): Empirical evidence. In: The Effect of Coronavirus Disease (COVID-19) on Business Intelligence. Berlin: Springer. pp133-154.
AL-Maaitah, T.A., Osman, A., Suberi, M., Dirar, A., & Fairouz, A. (2015). Review study on the security of electronic payment systems. International Journal of Economics Commerce and Management, 3(9), 821-829.
Al-Sabaawi, M.Y.M., Alshaher, A.A., & Alsalem, M.A. (2021). User trends of electronic payment systems adoption in developing countries: An empirical analysis. Journal of Science and Technology Policy Management, https://doi.org/10.1108/JSTPM-11-2020-0162.
Azman, H., Lih, C.S., & Yahaya, S.N. (2021). Factors affecting adoption of e-wallet among gen y in pahang. Journal of Technology Management and Technopreneurship (JTMT), 9(2), 102-112.
Batra, R., & Kalra, N. (2016). Are digital wallets the new currency. Apeejay Journal of Management and Technology, 11(1), 1-12.
Chen, L.D. (2008). A model of consumer acceptance of mobile payment. International Journal of Mobile Communications, 6(1), 32-52.
Davis, F.D. (1989). Perceived usefulness, perceived ease of use, and user acceptance of information technology. MIS Quarterly, 13, 319-340.
Davis, F.D., Bagozzi, R.P., & Warshaw, P.R. (1989). User acceptance of computer technology: A comparison of two theoretical models. Management Science, 35(8), 982-1003.
Ghani, E.K., & Khalil, N.A. (2021). Factors influencing adoption intention of e-wallet services among small medium enterprises in retail industry: An application of the diffusion of innovation theory. Universidad y Sociedad, 13(5), 53-64.
Hair, J.E., Ringle, C. M., & Sarstedt, M. J. (2013). Partial least squares structural equation modelling: Rigorous applications, better results and higher acceptance. Long Range Planning, 46(1-2), 1-12.
Hanzaee, K.H., & Alinejad, S. (2012). An investigation about customers perceptions of security and trust in e-payment systems among Iranian online consumers. Journal of Basic and Applied Scientific Research, 2(2), 1575-1158.
Karim, M.W., Haque, A., Ulfy, M.A., Hossain, M.A., & Anis, M.Z. (2020). Factors influencing the use of E-wallet as a payment method among Malaysian young adults. Journal of International Business and Management, 3(2), 1-12.
Liu, G.S., & Tai, P.T. (2016). A study of factors affecting the intention to use mobile payment services in Vietnam. Economics World, 4(6), 249-273.
Mei, Y.C., & Aun, N.B. (2019). Factors influencing consumers’ perceived usefulness of m-wallet in Klang Valley, Malaysia. Review of Integrative Business and Economics Research, 8, 1-23.
Ming, K.L.Y., & Jais, M. (2022). Factors affecting the intention to use e-wallets during the COVID-19 pandemic. Gadjah Mada International Journal of Business, 24(1), 82-100.
Ming, K.L.Y., Jais, M., Wen, C.C., & Zaidi, N.S. (2020). Factor affecting adoption of e-wallet in Sarawak. International Journal of Academic Research in Accounting Finance and Management Sciences, 10(2), 244-256.
Rabaa’i, A.A. (2021). An investigation into the acceptance of mobile wallets in the FinTech era: An empirical study from Kuwait. International Journal of Business Information Systems, 10, 1-45.
Sulaiman, T., Mahomed, A.S.B., Rahman, A.A., & Hassan, M. (2019). Factors affecting university lecturers’ adoption of learning management system (LMS) in Kurdistan region of Iraq: A conceptual framework. International Journal of Psychosocial Rehabilitation, 23(2), 860-871.
Sulaiman, T.T., Mahomed, A.S.B, Rahman, A.A., & Hassan, M. (2022). Examining the influence of the pedagogical beliefs on the learning management system usage among university lecturers in the Kurdistan Region of Iraq. Heliyon, 8(6), e09687.
Undale, S., Kulkarni, A., & Patil, H. (2020). Perceived eWallet security: Impact of COVID-19 pandemic. Vilakshan XIMB Journal of Management, 18, 89-104.
Copyright (c) 2023 Twana T. Sulaiman
This work is licensed under a Creative Commons Attribution-NonCommercial-NoDerivatives 4.0 International License.
Authors who publish with this journal agree to the following terms:
1. Authors retain copyright and grant the journal right of first publication with the work simultaneously licensed under a Creative Commons Attribution License [CC BY-NC-ND 4.0] that allows others to share the work with an acknowledgment of the work's authorship and initial publication in this journal.
2. Authors are able to enter into separate, additional contractual arrangements for the non-exclusive distribution of the journal's published version of the work (e.g., post it to an institutional repository or publish it in a book), with an acknowledgment of its initial publication in this journal.
3. Authors are permitted and encouraged to post their work online (e.g., in institutional repositories or on their website) prior to and during the submission process, as it can lead to productive exchanges, as well as earlier and greater citation of published work (See The Effect of Open Access).