Abstract
Mobile wallets (m-wallets) have replaced physical wallets and also replaced the use of debit and credit cards. This study aims to analyze the effect of gender on m-wallet adoption by using the UTAUT model. The research used quantitative approach with primary data was done by distributing online questionnaires. The sample was using purposive sampling and obtained 290 m-wallet users in Batam City who made a transaction through digital-based payment application during five months. The data analysis utilized SEM Partial Least Square. The results showed that performance and business expectations, social influence, and facility conditions had positive and significant effects on the intention to use m-wallets in Batam City, while gender did not have the effect in its relationship.
Highlights
Today's development of technology have transformed the traditional payment systems into digital payment systems
The level of use of digital application-based payment services depend on mobile devices since it is easier and more practical to carry out daily transactions
Performance expectations, business expectations, social influence, facilitating conditions, and user interests were adapted from Venkatesh, et al (2012), Anxiety and technology users' attitude were adapted from Rana, et al (2017)
Summary
Today's development of technology have transformed the traditional payment systems into digital payment systems. The level of use of digital application-based payment services depend on mobile devices since it is easier and more practical to carry out daily transactions. The existence of incentives provided to users attracts attention and triggers the use of m-wallets across all age groups (Nag, 2019). M-wallets or mobile wallets, known as mobile payments, are one of the most frequently used approaches for mobile payment services with internet support based on financial regulations
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