Drivers of E-Wallet Acceptance Among Yemeni Citizen: An Investigation of Key Factors

Sadeq Ali Yahya  Mana'a; Rana Saleh  Algawani; Ayman  Alsabry

doi:10.58963/qausrj.v28i28.304

Authors

Sadeq Ali Yahya Mana'a Sa'ada University Author
Rana Saleh Algawani International University of Technology Twintech Author
Ayman Alsabry International University of Technology Twintech Author

DOI:

https://doi.org/10.58963/qausrj.v28i28.304

Keywords:

E-wallet System , Perceived Ease of Use , Perceived Usefulness , Subjective Norms , Perceived Trust , Behavioral Intention to Adopt

Abstract

This study examines the factors influencing the behavioral intention to adopt an e-wallet system in Yemen. The analysis focuses on four independent variables: Perceived Ease of Use (PEU), Perceived Usefulness (PU), Subjective Norms (SN), and Perceived Trust (PT). Multiple regression and t-statistics were used to assess relationships and significance levels.

The findings reveal that PU has the strongest positive impact on behavioral intention to adopt, followed by SN and PT. Meanwhile, PEU also shows a moderate positive impact but is weaker compared to the other variables. These results indicate that user perceptions of usefulness, ease of use, subjective norms, and trust play a crucial role in shaping e-wallet adoption intentions.

The study highlights the implications for organizations and developers aiming to promote e-wallet adoption. Based on these findings, it recommends emphasizing perceived usefulness, social influence, and trust-building to facilitate wider acceptance of e-wallet technology. Furthermore, the study underscores the need for strategies that address adoption challenges and enhance digital payments in Yemen.

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Author Biographies

Sadeq Ali Yahya Mana'a, Sa'ada University

Sa'ada University, Sa'dah, Yemen
International University of Technology Twintech, Sana'a, Yemen
Rana Saleh Algawani, International University of Technology Twintech

Federation of Yemen Chambers of Commerce and Industry
Ayman Alsabry, International University of Technology Twintech

International University of Technology Twintech, Sana’a, Yemen.

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