Using Stimulus-Organism-Response (SOR) Theory to understand mobile wallet intention to use in Saudi Arabia

In today’s technological revolution, the use of mobile wallet (m-wallet) in monetary transactions has become increasingly popular. In its adoption of the Stimulus-Organism-Response (SOR) Theory, this study aimed to measure the impacts of relative advantage, security considerations, ease of use, favourable infrastructure, touch-free transactions, aesthetics and enjoyment on m-wallet intention to use in Saudi Arabia. This study also aimed to measure the mediate of perceived values and user demographics (age and gender) as moderators of the proposed research model. A questionnaire was distributed among Saudi citizens and 201 full responses were returned. The results showed that the factors of relative advantage, security considerations and touch-free monetary transactions had positive impacts on m-wallet intention to use while ease of effort, favourable infrastructure conditions, aesthetics and enjoyment had no impacts on m-wallet intention to use. Furthermore, the results showed that the relationship between enjoyment and m-wallet intention to use was fully mediated by perceived value but that perceived value did not mediate the relationship between m-wallet intention to use and any of the other factors examined. Gender and age significantly moderated the relationship between perceived value and m-wallet intention to use, being stronger for males and younger respondents. This study contributes to theory by addressing the literature gap in the Saudi m-wallet context and it contributes practically by helping service providers effectively and successfully implement the m-wallet platform in Saudi Arabia in the future.