Kajian terhadap faktor penerimaan pengguna berkaitan penggunaan e-dompet daripada perspektif warga universiti di bandar dan luar bandar

Apart from the use of money as a payment medium, there are also other payment methods accepted in Malaysia. Among them is to use of debit cards, credit cards, and the use of e-wallet applications. Although cash payments are still the most widely accepted form of payment in Malaysia, the use of cashless and contactless payments is also increasing. However, its use is still minimal, especially for the aspect of payment using e-wallets, either at the level of Malaysians in general, or within the level of higher education institutions in particular. In addition, youth also prefer to get help in the form of cash instead of e-wallet credit. This research aims to examine the relationship between 4 constructs from UTAUT, namely performance expectations, effort expectations, ease of use factors, and social influence with the intention to use e-wallets in Malaysia under the new norm. The study also includes two additional factors which are the level of safety and reliability to extend the original UTAUT model. A convenience sampling technique was used, and a total of 375 individuals were given questionnaires to complete, but only 275 sets of questionnaires could be processed, consisting of 84 respondents from Universiti Kebangsaan Malaysia (UKM) representing urban area, and 191 respondents from Universiti Utara Malaysia (UUM) representing rural area. The results were analyzed descriptively. The results were analyzed descriptively. The results show that the use of e-wallets in Malaysia is significantly influenced by effort expectations, performance expectations, social influence, reliability, ease of use factor and security factors in order of priority for urban and rural university students. Also, there is no significant difference for performance expectations, ease of use factors, social influence, security factors and reliability between UKM and UUM citizens for the use of e-wallet applications, but there is a significant difference for effort expectations. Facility providers and business owners can use the guidelines provided by this study to improve their services more effectively. In addition, existing businesses are expected to focus on elements that will increase the acceptance of e-wallets. This study can also help entrepreneurs to further diversify payment options, and help universities to offer cashless payments to their students more efficiently.