The Effect of Technological, Personal, and Environmental Factors on Server-Based Money Users in the Philippines

This study attempts to find out how the different technological, personal, and environmental (TPE) factors affect the respondents' decision to continue using server-based electronic money. It will also determine and analyze the relationships of these factors and how these interplays impact on their satisfaction in using server-based electronic money. The researchers used a quantitative study, specifically, a direct causal, partial least square. Researchers could model and estimate complex cause-effect connections involving both latent and observable variables using the statistical approach known as PLS-SEM. This method allowed the researchers to examine multiple factors simultaneously to determine how TPE Factors interplayed with the satisfaction and continuance of use of SBEM users. The study reveals that satisfaction with Server-Based Electronic Money in the Philippines is largely influenced by application quality and compatibility, as well as personal factors like perceived usefulness, perceived ease of use, and hedonic motivation. However, environmental factors like social influence and tradition barriers have less significant association with satisfaction with Server-Based E-Money (SBEM). The researchers recommend e-wallet developers should integrate a wide range of appealing and user-friendly features. These could include daily login incentives, the ability to book airfare, utility payments, etc. Future Researchers are encouraged to replicate the study in other countries and use a longitudinal study, use the UTAUT framework, and examine the dynamic interactions between moderating factors and continuation intention.