Abstract
Previous research has extensively examined the utilization of e-money payment systems in Malaysia, yet there remains a dearth of knowledge regarding the initial adoption phase experienced by first-time users of these digital transactions. This study attempts to identify the underlying factors that compel individuals to embrace e-money transactions for the first time. Employing a structured interview guide, a primary data was gathered, leveraging the insights of e-money professionals who also happen to be the users. The primary data collection method employed was semi-structured interviews. Furthermore, the in-depth thematic analysis analysis was conducted through Computer Assisted Qualitative Data Analysis Software (CAQDAS), specifically Atlas.ti version 22. The findings reveal a comprehensive array of eleven distinct factors that influence the initial adoption of e-money, categorized into intrinsic and extrinsic factors. The research fills significant research gap in the current body of literature by offering insights from experts who have firsthand experience with the crucial process of adopting e-money.
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