The moderating role of key factors in shaping e-wallet acceptance among Bank Islam Malaysia Berhad (BIMB) employees

This study investigates the factors influencing the acceptance of e-wallet applications among staff at Bank Islam Malaysia Berhad (BIMB), with a specific focus on the moderating effect of social influence. Grounded in the Technology Acceptance Model (TAM) and supported by Maqasid Shariah and the Unified Theory of Acceptance and Use of Technology (UTAUT), the study evaluates the effects of perceived ease of use (PEOU), perceived usefulness (PU), and religiosity (R) on e-wallet acceptance. Additionally, it explores how social influence (SI) moderates these relationships. Employing a quantitative approach, data were collected from 169 BIMB employees across 13 branches in Northern Malaysia through structured questionnaires. The data were analyzed using SPSS and SmartPLS. The results revealed that PU and religiosity significantly influence the acceptance of e-wallet applications, whereas PEOU does not. Furthermore, social influence does not significantly moderate the relationships between PEOU, PU, religiosity, and e-wallet acceptance. These findings suggest that while functional benefits and Shariah compliance are critical to adoption, ease of use and social influence play a lesser role within this Islamic banking context. The study contributes to the existing literature by integrating religious perspectives into established technology acceptance models and provides practical implications for Islamic financial institutions seeking to promote digital financial solutions aligned with Islamic values.