Determinantes de la intención de seguir usando billeteras digitales
DOI:
https://doi.org/10.29352/mill0220e.40060Palabras clave:
Palabras clave: monederos electrónicos; expectativa de rendimiento; expectativa de esfuerzo; condiciones facilitadoras; intención de uso continuadoResumen
Introducción: Las billeteras electrónicas aceleran las transacciones de los consumidores al consolidar tarjetas de crédito, efectivo y múltiples plataformas de pago en un solo dispositivo conveniente, razón por la cual estas transacciones de pago sin contacto han experimentado un aumento notable en Portugal en los últimos años.
Objetivo: El objetivo de este artículo es examinar empíricamente los determinantes que influyen en la intención de uso continuado de un consumidor que utiliza billeteras digitales en Portugal.
Métodos: Los datos fueron analizados mediante análisis exploratorio y confirmatorio y se obtuvo un Modelo de Ecuaciones Estructurales, luego de obtener respuestas de 185 encuestados portugueses.
Resultados: Los datos revelaron que las expectativas de desempeño, las expectativas de esfuerzo, las condiciones facilitadoras y la confianza percibida son determinantes importantes de la intención de comportamiento de las billeteras digitales y tendrán un impacto positivo en la intención de continuar usándolas. La reputación y la seguridad percibidas también son determinantes de la confianza percibida.
Conclusión: La mejora continua en estas áreas es imperativa para mejorar el rendimiento de la billetera digital y hacerla competitiva en relación con las transacciones electrónicas alternativas.
Descargas
Citas
Aji, H. M., Sfenrianto, & Wibowo, N. A. (2020). The determinants of e-wallet adoption in Indonesia: An extended UTAUT2 model. Journal Komunikasi: Malaysian Journal of Communication, 36(3), 195–211. https://doi.org/10.1109/ICOIACT46704.2019.8938415
Arning, K., & Ziefle, M. (2009). Different perspectives on technology acceptance: The role of technology type and age. In HCI and Usability for e-Inclusion: 5th Symposium of the Workgroup Human-Computer Interaction and Usability Engineering of the Austrian Computer Society, USAB 2009, Linz, Austria, November 9-10, 2009, Proceedings 5 (pp. 20-41). Springer Berlin Heidelberg. https://doi.org/10.1007/978-3-642-10308-7_2
Barómetro E-commerce (2022). Marketest. Retrieved April 2, 2024. https://www.marktest.com/wap/a/n/id~2985.aspx.
Capgemini (2021). World Payments Report 2021. Capgemini Research Institute.
Christian, A., Santoso, H. B., & Kusumastuti, D. L. (2024). Factors Influencing the Adoption and Usage of E-Wallets. In 2024 3rd International Conference on Digital Transformation and Applications (ICDXA) (pp. 103-108). IEEE. https://ieeexplore.ieee.org/document/10470869
Cimperman, M., Brenčič, M. M., & Trkman, P. (2016). Analyzing older users’ home telehealth services acceptance behavior—applying an Extended UTAUT model. International journal of medical informatics, 90, 22-31. https://doi.org/10.1016/j.ijmedinf.2016.03.002
Daragmeh, A., Lentner, C., & Halalmeh, Z. (2021). The effect of convenience, perceived ease of use, and perceived usefulness on intention to use e-wallet. In Proceedings of the 2021 7th International Conference on Finance and Economics (ICFE 2021) (pp. 235–241). Atlantis Press. https://doi.org/10.2991/aebmr.k.220602.051
Daragmeh, A., Sági, J., & Zéman, Z. (2021). Continuous intention to use e-wallet in the context of the covid-19 pandemic: Integrating the health belief model (HBM) and technology continuous theory (TCT). Journal of Open Innovation: Technology, Market, and Complexity, 7(2), 132. https://doi.org/10.3390/joitmc7020132
Daştan, İ., & Gürler, C. (2016). Factors affecting the adoption of mobile payment systems: An empirical analysis. Emerging Markets Journal (EMAJ), 6(1), 17-24. https://org.doi/10.5195/emaj.2016.95.
Davis, F. D. (1989). Perceived usefulness, perceived ease of use, and user acceptance of information technology. MIS Quarterly, 13(3), 319–340. https://doi.org/10.2307/249008
Donan, H., Negara, E. S. N. S., Sutabri, T., & Firdaus, F. (2023). Analysis of behavioral use of academic information systems with the implementation of UTAUT 2 integration at the Muhammadi-Palembang Institute of Health Science and Technology. Jurnal Sisfokom (Sistem Informasi Dan Komputer), 12(3), 462–470. https://doi.org/10.32736/sisfokom.v12i3.1978
Donald, L. A., & Remy, M.-W. (2012). Building a research model for mobile wallet consumer adoption: The case of Mobile Suica in Japan. Journal of Theoretical and Applied Electronic Commerce Research, 7(1), 94-110. https://doi.org/10.4067/S0718-18762012000100008
Dinheiro Vivo. (2020). Portugueses trocam pagamento em dinheiro por cartão. https://encurtador.com.br/axhE.
European Central Bank. (2022). Study on the payment attitudes of consumers in the euro area (SPACE). European Central Bank.
Fornell, C., & Larcker, D. F. (1981). Evaluating structural equation models with unobservable variables and measurement error. Journal of marketing research, 18(1), 39-50. https://doi.org/10.2307/3151312
George, A., & Sunny, P. (2021). Developing a research model for mobile wallet adoption and usage. IIM Kozhikode Society & Management Review, 10(1), 82-98. https://doi.org/10.1177/227797522096535
Hair Jr, J. F., Anderson, R. E., & Tatham, R. L. (1986). Multivariate data analysis with readings. Macmillan Publishing.
Kasirye, F., & Masum, S. M. H. (2021). The effects of e-wallet among various types of users in Malaysia: A comparative study. Asian Journal of Research in Business and Management, 3(2), 26-41. https://encurtador.com.br/TCgx
Kaushik, A.K., Mohan, G., & Kumar, V. (2020). Examining the antecedents and consequences of customers’ trust toward mobile retail apps in India. Journal of Internet Commerce, 19(1), 1–31. https://doi.org/10.1080/15332861.2019.1686333
Kaushik, A. K., Mohan, G., & Kumar, V. (2020). Examining the antecedents and consequences of customers’ trust toward mobile retail apps in India. Journal of Internet Commerce, 19(1), 1-31. https://doi.org/10.1080/15332861.2019.1686333
Leong, L. Y., Lim, K. S., Ooi, K. B., Weng, X. L., & Yeoh, K. C. (2022). Mobile wallet continuance intention: A socio-technical perspective. Journal of Retailing and Consumer Services, 66, 102946. https://doi.org/10.58729/1941-6679.1570
Lim, F. W., Ahmad, F., & Talib, A. N. B. A. (2019). Behavioural intention towards using electronic wallet: A conceptual framework in the light of the unified theory of acceptance and use of technology (UTAUT). Imperial Journal of Interdisciplinary Research, 5(1), 79-86. https://encurtador.com.br/RTyq
Ly, H. T. N., Khuong, N. V., & Son, T. H. (2022). Determinants affecting mobile wallet continuous usage in COVID 19 pandemic: Evidence from Vietnam. Cogent Business & Management, 9(1), 2041792. https://doi.org/10.1080/23311975.2022.2041792
Miao, M., Jalees, T., Qabool, S., & Zaman, S. I. (2020). The effects of personality, culture and store stimuli on impulsive buying behavior: Evidence from emerging market of Pakistan. Asia Pacific Journal of Marketing and Logistics, 32(1), 188-204. DOI: https://doi.org/10.1108/APJML-09-2018-0377
Mohd Thas Thaker, H., Subramaniam, N. R., Qoyum, A., & Iqbal Hussain, H. (2023). Cashless society, e-wallets and continuous adoption. International Journal of Finance & Economics.28(3),3349–3369. https://doi.org/10.1002/ijfe.2596
Nguyen, L. T., Phan, T. T. C., Dang, D. V. T., & Tran, T. T. T. (2023). Mobile payment adoption in Vietnam: A two-staged SEM-ANN approach. In Current and Future Trends on Intelligent Technology Adoption: Volume 1 (pp. 209-228). Springer Nature Switzerland. https://doi.org/10.1007/978-3-031-48397-4_11
Nguyen, P. T., Phung, M. T., Pham, T. M. L., Vo, T. L. T., & Tran, L. B. T. (2024). Factors affecting Vietnamese consumers’ intention to continue using e-wallet: A case study of MoMo. The VMOST Journal of Social Sciences and Humanities, 66(1), 29-44. https://doi.org/10.31276/VMOSTJOSSH.66(1).29-44
Patil, P., Tamilmani, K., Rana, N. P., & Raghavan, V. (2020). Understanding consumer adoption of mobile payment in India: Extending Meta-UTAUT model with personal innovativeness, anxiety, trust, and grievance redressal. International Journal of Information Management, 54, 102144. https://doi.org/10.1016/j.ijinfomgt.2020.102144
Peñarroja, V., Sánchez, J., Gamero, N., Orengo, V., & Zornoza, A. M. (2019). The influence of organisational facilitating conditions and technology acceptance factors on the effectiveness of virtual communities of practice. Behaviour & Information Technology, 38(8), 845-857. https://doi.org/10.1080/0144929X.2018.1564070
Phan, H., Tran, M., Hoang, V., & Dang, T. (2020). Determinants influencing customers' decision to use mobile payment services: The case of Vietnam. Management Science Letters, 10(11), 2635-2646. https://doi.org/10.5267/j.msl.2020.3.029.
Rao, S., & Troshani, I. (2007). A conceptual framework and propositions for the acceptance of mobile services. Journal of Theoretical and Applied Electronic Commerce Research, 2(2), 61–73. https://doi.org/10.3390/jtaer2020014
Revathy, C., & Balaji, P. (2020). Determinants of behavioural intention on e-wallet usage: an empirical examination in amid of COVID-19 lockdown period. International Journal of Management, 11(6), 92-104. https://doi.org/10.34218/IJM.11.6.2020.008
Saraswati, D. A., Desvi, P. S., Putra, N. S., & Hendriana, E. (2021). Examination of the extended UTAUT model in mobile wallet continuous usage intention during the COVID-19 outbreak. Turkish Online Journal of Qualitative Inquiry, 12(6). https://doi.org/10.13140/RG.2.2.14102.06723
Sedigheh, M., X.M. Tan, S.W. Phoong, & S.Y. Phoong. (2020). Drivers and barriers of mobile payment adoption: Malaysian merchants’ perspective. Journal of Retailing and Consumer Services 59: 1–12. https://doi.org/10.1016/j.jretconser.2020.102364
Sfenrianto, S., Junadi, J., & Saragih, M. H. (2017). The analysis of consumer's intention model for using E-payment system in Indonesia. In 2017 international Conference on Sustainable Information Engineering and Technology (SIET) (pp. 78-82). IEEE. https://doi.org/10.1109/SIET.2017.8304113
Silalahi, P. R., Salwa Daulay, A., Siregar, T. S., Ridwan, A., Islam, E., Ekonomi, F., & Islam, B. (2022). Analisis keamanan transaksi e-commerce dalam mencegah penipuan online. Journal Manajemen, Bisnis Dan Akuntansi, 1(4), 224–235. https://doi.org/10.1016/j.jjimei.2024.100254
Slade, E., Williams, M., Dwivedi, Y., & Piercy, N. (2015). Exploring consumer adoption of proximity mobile payments. Journal of Strategic Marketing, 23(3), 209-223. https://doi.org/10.1080/0965254X.2014. 914075
Tan, S. H., Chong, L. L., & Ong, H. B. (2024). Continuance usage intention of e-wallets: Insights from merchants. International Journal of Information Management Data Insights, 4(2), 100254. https://doi.org/10.1016/j.jjimei.2024.100254
Tamima, A., Qarni, W., & Dharma, B. (2024). The effect of security and benefits of using digital wallets (e-wallets) on payment interest in online transactions. JHSS (Journal of Humanities and Social Studies), 8(3), 665-672. https://journal.unpak.ac.id/index.php/jhss/article/view/10803
Tan, S. H., Chong, L. L., & Ong, H. B. (2024). Continuance usage intention of e-wallets: Insights from merchants. International Journal of Information Management Data Insights, 4(2), 100254.https://doi.org/10.1016/j.jjimei.2024.100254
Tran, V. D. (2020). The relationship among product risk, perceived satisfaction and purchase intentions for online shopping. The Journal of Asian Finance, Economics and Business, 7(6), 221-231. https://doi.org/10.13106/jafeb.2020.vol7.no6.221
Venkatesh, V., Morris, M. G., Davis, G. B., & Davis, F. D. (2003). User acceptance of information technology: Toward a unified view. MIS Quarterly, 27(3), 425–478. https://doi.org/10.2307/30036540
Wong, W. H., & Mo, W. Y. (2019). A study of consumer intention of mobile payment in Hong Kong, based on perceived risk, perceived trust, perceived security and Technological Acceptance Model. Journal of Advanced Management Science, 7(2), 33-38. https://www.joams.com/uploadfile/2019/0613/20190613033705452.pdf
Wu, C. S., Cheng, F. F., Yen, D. C., & Huang, Y. W. (2011). User acceptance of wireless technology in organizations: A comparison of alternative models. Computer Standards & Interfaces, 33(1), 50-58. https://doi.org/10.1016/j.csi.2010.03.002
Yang, M., Mamun, A. A., Mohiuddin, M., Nawi, N. C., & Zainol, N. R. (2021). Cashless transactions: A study on intention and adoption of e-wallets. Sustainability, 13(2), 831. https://doi.org/10.3390/su13020831
Descargas
Publicado
Cómo citar
Número
Sección
Licencia
Derechos de autor 2025 Millenium - Journal of Education, Technologies, and Health
Esta obra está bajo una licencia internacional Creative Commons Atribución 4.0.
Los autores que sometan propuestas para esta revista estarán de acuerdo con los siguientes términos:
a) Los artículos serán publicados según la licencia Licença Creative Commons (CC BY 4.0), conforme el régimen open-access, sin cualquier coste para el autor o para el lector.
b) Los autores conservan los derechos de autor y conceden a la revista el derecho de la primera publicación, se permite la divulgación libre del trabajo, desde que sea correctamente atribuida la autoría y la publicación inicial en esta revista.
c) Los autores están autorización para firmar contratos adicionales separadamente, para la distribución no exclusiva de la versión del trabajo publicada en esta revista (ej.: publicar en un repositorio institucional o como capítulo de un libro), con reconocimiento de la autoría y publicación inicial e esta revista.
d) Los autores tienen permiso y son alentados a publicar y distribuir su trabajo on-line (ej.: en repositorios instituciones o en su página personal) ya que eso podrá generar alteraciones productivas, así como aumentar el impacto y la citación del trabajo publicado.
Documentos necesarios para la sumisión
Plantilla del artículo (formato editable)
