E-wallet usage and customer purchase intention: Understanding the mediating role of shopping satisfaction and E-wallet structure

E-wallets have revolutionized digital commerce, affecting customer purchase intentions. This study explores the impact of e-wallet usage on purchase intention, examining the mediating role of shopping satisfaction and the influence of e-wallet structure. A survey of 400 respondents collected data on demographics and constructs related to e-wallet usage, shopping satisfaction, purchase intention, and structure. Using SmartPLS 4, structural equation modeling (SEM) assessed the hypothesized relationships and mediation effects, ensuring robust statistical analysis. The sample included 55.3% males and 44.8% females, predominantly with Bachelor's (45.5%) and Master's degrees (42.8%), and an average age of 28.31 years. Reliability and validity were high across constructs. SEM revealed significant positive relationships between e-wallet use and shopping satisfaction (β = 0.808, p < 0.001), customer intention (β = 0.514, p < 0.001), and structure (β = 0.774, p < 0.001). Shopping satisfaction significantly influenced customer intention (β = 0.307, p < 0.001), while structure did not (β = 0.133, p = 0.235). Shopping satisfaction partially mediated the relationship between e-wallet use and customer intention (β = 0.248, p < 0.001). E-wallet usage enhances customer purchase intention directly and through improved shopping satisfaction, which serves as a partial mediator. E-wallet structure does not significantly mediate this relationship.