Palestinian consumers' intention to use electronic wallet services: Comparison of adopter categories

The purpose of this study is to investigate the influence of perceived usefulness, perceived ease of use, perceived trust, and personal innovativeness on Palestinian consumers' attitude to use of e-wallet services. The study also aims to understand the differences between consumer adopter categories in terms of perceived usefulness, perceived ease of use, perceived trust, personal innovativeness, attitude toward using e-wallet services, and intention to use e-wallet services. This research draws on the Technology Acceptance Model in explaining the factors that influence the attitude of consumers toward using e-wallet services. Additionally, the research also builds on Diffusion of Innovation Theory to elaborate how different categories of consumers behave in using e-wallet services. A survey was developed on the basis of existing scales and distributed to Palestinian consumers using e-wallet services. A total of 201 answerers participated. The data was analyzed through Explanatory Factor Analysis, Regression Analysis and One-Way ANOVA analysis. The findings suggest that perceived usefulness, perceived trust and personal innovativeness influence the attitude toward using e-wallet services. Additionally, the mean values of research variables change by consumer adopter categories. The study brings a novelty to the literature through examining the perceptions and attitudes of different adopter categories toward using e-wallet services. The results are expected to contribute to managers through shedding light on how different target audiences should be approached to convince them using e-wallet services.