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Abstract:
This research paper explores the factors
influencing consumer attitudes toward adopting e-wallets in purchase
transactions in Saudi Arabia. The study integrates the Technology Acceptance
Model (TAM) with consumers' mindfulness and self-efficacy to comprehensively
understand e-wallet adoption. The study highlights the growing importance of
electronic money services and the need to promote e-wallet adoption in Saudi
Arabia. The research examines the impact of mindfulness, self-efficacy,
perceived usefulness, ease of use, and new technology anxiety on consumer
attitudes toward e-wallet adoption. The sampling method is snowball sampling,
through which 273 complete responses were collected. Structural Equation
Modeling was employed to test the study hypotheses. The study found a positive
relationship between mindfulness, perceived usefulness, and perceived ease of
use. Furthermore, the study found a strong positive relationship between
perceived usefulness and consumer attitude and a positive relationship between
self-efficacy and perceived ease of use. Similarly, the study found a strong
positive relationship between perceived ease of use and attitude. Lastly, the
study revealed no significant moderating influence of technological anxiety on
the association between perceived usefulness and consumer attitude.
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