Authors :
Marielle S. Carlos; Jasmin M. Guiao; JB G. Lagman; Elyca-wil B. Pangilinan; Shawn Katleen M. Torres; Yuri Walter D. Akiate
Volume/Issue :
Volume 9 - 2024, Issue 4 - April
Google Scholar :
https://tinyurl.com/mr3sa44s
Scribd :
https://tinyurl.com/3tze2x55
DOI :
https://doi.org/10.38124/ijisrt/IJISRT24APR594
Abstract :
This research investigates the factors shaping
the willingness of micro-enterprises to adopt e-wallets in
their business operations, focusing on the City of San
Fernando, Pampanga. Through a comprehensive survey
involving 120 micro-enterprise owners, the study delves
into key dimensions, including performance expectancy,
effort expectancy, facilitating conditions, hedonic
motivation, price value, and habit. The findings reveal a
pervasive reluctance among micro-enterprises, with
unfavorable responses in various domains, particularly
in performance expectancy and habit. Notably, social
influence emerges as a positive influencer, indicating the
significance of peer recommendations. The study
employs regression analysis to discern the impact of
each factor on e-wallet adoption, highlighting habit as
the most substantial deterrent. Recommendations for
stakeholders, including e-wallet providers and
policymakers, are proposed based on the research
insights. The study contributes to the evolving
landscape of digital payment adoption among micro-
enterprises and provides actionable insights for
stakeholders to enhance e-wallet usage in this sector.
Keywords :
Business; E-Wallet; Micro Enterprises; Technology; Willingness.
This research investigates the factors shaping
the willingness of micro-enterprises to adopt e-wallets in
their business operations, focusing on the City of San
Fernando, Pampanga. Through a comprehensive survey
involving 120 micro-enterprise owners, the study delves
into key dimensions, including performance expectancy,
effort expectancy, facilitating conditions, hedonic
motivation, price value, and habit. The findings reveal a
pervasive reluctance among micro-enterprises, with
unfavorable responses in various domains, particularly
in performance expectancy and habit. Notably, social
influence emerges as a positive influencer, indicating the
significance of peer recommendations. The study
employs regression analysis to discern the impact of
each factor on e-wallet adoption, highlighting habit as
the most substantial deterrent. Recommendations for
stakeholders, including e-wallet providers and
policymakers, are proposed based on the research
insights. The study contributes to the evolving
landscape of digital payment adoption among micro-
enterprises and provides actionable insights for
stakeholders to enhance e-wallet usage in this sector.
Keywords :
Business; E-Wallet; Micro Enterprises; Technology; Willingness.
