Individual Attitudes Toward E-Wallet Adaptation Behavior in Malaysia

Abstract

This study examines how users thought about and adapted to the e-wallet. We made conceptual research by adding an attitude to see how well it might predict how users would adjust to an e-wallet. Self-efficacy (independent construct), risk attitude (mediating construct), and adaptive behavior are all independent constructs (Dependent variable). This study intends to show that self-efficacy is an important factor in figuring out risk attitudes toward user adaptive behavior. There is a strong need for research on the attitudes that motivate users to start using e-wallets so that financial providers may improve their marketing and product offers and increase demand for their products.