Determinantes da intenção de uso continuado de carteiras digitais
DOI:
https://doi.org/10.29352/mill0220e.40060Palavras-chave:
Palavras-chave: carteiras digitais; expectativa de desempenho; expectativa de esforço; condições facilitadoras; intenção contínua do usuárioResumo
Introdução: As carteiras eletrónicas agilizam as transações para os consumidores, consolidando cartões de crédito, dinheiro e várias plataformas de pagamento num único dispositivo conveniente, pelo que estas transações de pagamento sem contacto registaram um aumento notável em Portugal nos últimos anos.
Objectivo: O objectivo deste artigo é examinar empiricamente os determinantes que influenciam a intenção de uso continuado de um consumidor que utilize carteiras digitais em Portugal.
Métodos: Os dados foram analisados através de análises exploratórias e confirmatórias e foi obtido um Modelo de Equações Estruturais, depois de obtidas respostas de 185 inquiridos portugueses.
Resultados: Os dados revelaram que a expectativa de desempenho, a expectativa de esforço, as condições facilitadoras e a confiança percebida são determinantes importantes da intenção comportamental das carteiras digitais e terão um impacto positivo na intenção de uso continuado das mesmas. A reputação percebida e a segurança percebida também são determinantes da confiança percebida.
Conclusão: A melhoria contínua nestas áreas é imperativa, para melhorar o desempenho da carteira digital e torná-la competitiva em relação às transações alternativas eletrónicas.
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