Scale refinement
| Measurement items | Factor loadings |
|---|---|
| Performance expectancy (PE) Adapted from Venkatesh et al. (2003) α = 0.829; CR = 0.885; AVE = 0.659 | |
| Using the e-wallet would bring me greater convenience | 0.821 |
| Using the e-wallet would allow me to accomplish transactions more quickly | 0.857 |
| I think an e-wallet makes the transaction more effective | 0.826 |
| I believe an e-wallet will be useful for a transaction | 0.737 |
| Effort expectancy (EE) Adapted from Venkatesh et al. (2012) α = 0.938; CR = 0.952; AVE = 0.800 | |
| Learning how to use an e-wallet is easy | 0.901 |
| My interaction and navigation with the e-wallet are clear and understandable | 0.904 |
| Overall, I found that an e-wallet is easy to use | 0.895 |
| It is easy for me to become skillful at using the e-wallet | 0.855 |
| I would find it easy to get the e-wallet to do what I want it to do | 0.916 |
| Social influence (SI) Adapted from Venkatesh et al. (2003) and Gholami et al. (2010) α = 0.885; CR = 0.917; AVE = 0.689 | |
| The important people (family/ relatives/ friends) recommend e-wallet | 0.881 |
| The important people (family/ relatives/ friends) influenced my decision to use the e-wallet | 0.839 |
| The important people support the use of e-wallets | 0.696 |
| In general, the government has supported e-wallet usage | 0.879 |
| The current trend in mass media (TV, radio, newspaper) to use the e-wallet influenced my decision to use it | 0.841 |
| Facilitating condition (FC) Adapted from Venkatesh and Xu (2012) and Yu (2012) α = 0.713; CR = 0.822; AVE = 0.535 | |
| I have the resources necessary to use the e-wallet | 0.708 |
| I know necessary to use the e-wallet | 0.768 |
| The E-wallet is compatible with other technologies I use | 0.740 |
| I can get help from others when I have difficulties using the e-wallet | 0.710 |
| Perceived enjoyment (P-Enj) Adapted from Nur and Panggabean (2021) α = 0.661; CR = 0.815; AVE = 0.596 | |
| I find using an e-wallet enjoyable | 0.811 |
| The actual process of using the e-wallet is pleasant | 0.749 |
| I have fun using the e-wallet | 0.753 |
| Satisfaction (Sat) Adapted from Chao (2019) and Lee et al. (2021) α = 0.933; CR = 0.949; AVE = 0.789 | |
| I was very content with the e-wallet | 0.921 |
| I was very pleased with the e-wallet | 0.890 |
| I was satisfied with the e-wallet efficiency | 0.854 |
| I felt delighted with the e-wallet | 0.855 |
| Overall, I was satisfied with the e-wallet | 0.919 |
| Mobile Self-efficacy (MSE) Adapted from Yu (2012) α = 0.737; CR = 0.834; AVE = 0.557 | |
| I could use an e-wallet …. | |
| if I had the built-in help guide for assistance | 0.756 |
| even if no one showed me how to use it | 0.782 |
| if I could call someone for help | 0.715 |
| if I had a lot of time to complete the transaction through an e-wallet | 0.730 |
| Behavioral Intention (BI) Adapted from Venkatesh et al. (2003) and Venkatesh et al. (2012) α = 0.760; CR = 0.845; AVE = 0.578 | |
| Assuming I had access to the e-wallet, I intend to use it | 0.762 |
| Given that I had access to the e-wallet, I predict that I would use it | 0.774 |
| I plan to use the e-wallet in the future | 0.788 |
| I recommend e-wallets to my colleagues | 0.715 |
| Use Behavior (UB) Adapted from Venkatesh et al. (2012) α = 0.706; CR = 0.836; AVE = 0.631 | |
| UB 1- I use an e-wallet frequently | 0.831 |
| UB 2- I use many functions of e-wallets | 0.711 |
| UB 3- I depend on e-wallets | 0.834 |
| Measurement items | Factor loadings |
|---|---|
| Using the e-wallet would bring me greater convenience | 0.821 |
| Using the e-wallet would allow me to accomplish transactions more quickly | 0.857 |
| I think an e-wallet makes the transaction more effective | 0.826 |
| I believe an e-wallet will be useful for a transaction | 0.737 |
| Learning how to use an e-wallet is easy | 0.901 |
| My interaction and navigation with the e-wallet are clear and understandable | 0.904 |
| Overall, I found that an e-wallet is easy to use | 0.895 |
| It is easy for me to become skillful at using the e-wallet | 0.855 |
| I would find it easy to get the e-wallet to do what I want it to do | 0.916 |
| The important people (family/ relatives/ friends) recommend e-wallet | 0.881 |
| The important people (family/ relatives/ friends) influenced my decision to use the e-wallet | 0.839 |
| The important people support the use of e-wallets | 0.696 |
| In general, the government has supported e-wallet usage | 0.879 |
| The current trend in mass media (TV, radio, newspaper) to use the e-wallet influenced my decision to use it | 0.841 |
| I have the resources necessary to use the e-wallet | 0.708 |
| I know necessary to use the e-wallet | 0.768 |
| The E-wallet is compatible with other technologies I use | 0.740 |
| I can get help from others when I have difficulties using the e-wallet | 0.710 |
| I find using an e-wallet enjoyable | 0.811 |
| The actual process of using the e-wallet is pleasant | 0.749 |
| I have fun using the e-wallet | 0.753 |
| I was very content with the e-wallet | 0.921 |
| I was very pleased with the e-wallet | 0.890 |
| I was satisfied with the e-wallet efficiency | 0.854 |
| I felt delighted with the e-wallet | 0.855 |
| Overall, I was satisfied with the e-wallet | 0.919 |
| if I had the built-in help guide for assistance | 0.756 |
| even if no one showed me how to use it | 0.782 |
| if I could call someone for help | 0.715 |
| if I had a lot of time to complete the transaction through an e-wallet | 0.730 |
| Assuming I had access to the e-wallet, I intend to use it | 0.762 |
| Given that I had access to the e-wallet, I predict that I would use it | 0.774 |
| I plan to use the e-wallet in the future | 0.788 |
| I recommend e-wallets to my colleagues | 0.715 |
| UB 1- I use an e-wallet frequently | 0.831 |
| UB 2- I use many functions of e-wallets | 0.711 |
| UB 3- I depend on e-wallets | 0.834 |
Note:
Frequency ranged from “never” to “many times per day.”
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