Proceedings of the 9th Terengganu International Business and Economics Conference 2025 (TiBEC IX 2025)

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Facilitating Fintech Growth: How Perceived Ease of Use and Trust Drive E-Wallet Acceptance Among Low-Income Consumers

Authors
Rohaiza Kamis1, *, Shafinar Ismail1, Nur Hayati Abd Rahman1, Hairul Nizwan Abd Majid2
1Faculty of Business and Management, Universiti Teknologi MARA, Cawangan Melaka, 110 Off Jalan Hang Tuah, 75300, Melaka, Malaysia
2Faculty of Hotel and Tourism Management, Universiti Teknologi MARA, 42300, Bandar Puncak Alam, Selangor, Malaysia
*Corresponding author. Email: rohai451@uitm.edu.my
Corresponding Author
Rohaiza Kamis
Available Online 31 July 2025.
DOI
10.2991/978-94-6463-801-1_7How to use a DOI?
Keywords
Fintech; e-Wallet; Low-Income; Technology Acceptance Model
Abstract

The research investigates the main elements that drive low-income users to adopt e-wallet solutions. The study used quantitative research methods to deliver a structured questionnaire through an online platform to West Malaysia’s targeted respondents. The research team gathered information through stratified random sampling techniques and analyzed 250 low-income e-wallet users with SmartPLS software. This research employs the Technology Acceptance Model and analyzes e-wallet acceptance as one dependent variable with perceived ease of use, security and trust serving as three independent variables. The study results show that higher perceived ease of use and higher trust leads to e-wallet acceptance. The study offers recommendations for e-wallet service providers while targeting marketers and academia, especially in the areas of policy development and management strategies. This research creates a framework to drive e-wallet adoption while identifying a research gap in fintech and key factors that affect e-wallet acceptability. The study presents specific guidelines for building a cashless society through its analysis of successful digital financial growth experiences in certain countries.

Copyright
© 2025 The Author(s)
Open Access
Open Access This chapter is licensed under the terms of the Creative Commons Attribution-NonCommercial 4.0 International License (http://creativecommons.org/licenses/by-nc/4.0/), which permits any noncommercial use, sharing, adaptation, distribution and reproduction in any medium or format, as long as you give appropriate credit to the original author(s) and the source, provide a link to the Creative Commons license and indicate if changes were made.

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Volume Title
Proceedings of the 9th Terengganu International Business and Economics Conference 2025 (TiBEC IX 2025)
Series
Advances in Economics, Business and Management Research
Publication Date
31 July 2025
ISBN
978-94-6463-801-1
ISSN
2352-5428
DOI
10.2991/978-94-6463-801-1_7How to use a DOI?
Copyright
© 2025 The Author(s)
Open Access
Open Access This chapter is licensed under the terms of the Creative Commons Attribution-NonCommercial 4.0 International License (http://creativecommons.org/licenses/by-nc/4.0/), which permits any noncommercial use, sharing, adaptation, distribution and reproduction in any medium or format, as long as you give appropriate credit to the original author(s) and the source, provide a link to the Creative Commons license and indicate if changes were made.

Cite this article

risenwbib
TY  - CONF
AU  - Rohaiza Kamis
AU  - Shafinar Ismail
AU  - Nur Hayati Abd Rahman
AU  - Hairul Nizwan Abd Majid
PY  - 2025
DA  - 2025/07/31
TI  - Facilitating Fintech Growth: How Perceived Ease of Use and Trust Drive E-Wallet Acceptance Among Low-Income Consumers
BT  - Proceedings of the 9th Terengganu International Business and Economics Conference 2025 (TiBEC IX 2025)
PB  - Atlantis Press
SP  - 80
EP  - 92
SN  - 2352-5428
UR  - https://doi.org/10.2991/978-94-6463-801-1_7
DO  - 10.2991/978-94-6463-801-1_7
ID  - Kamis2025
ER  -