The Primacy of Convenience in E-Wallet Adoption: A Quantitative Study of South Malaysian Consumers

This study examines the factors influencing e-wallet adoption among consumers in South Malaysia, focusing specifically on convenience, security, and consumer satisfaction.Drawing on the Technology Acceptance Model (TAM), we hypothesized positive relationships between these three factors and e-wallet adoption.Using quantitative methodology, we collected data from 208 e-wallet users across different age groups and regions in South Malaysia through an online questionnaire.Multiple regression analysis revealed that convenience significantly influenced e-wallet adoption ( = 0.537, p < 0.001), while security ( = 0.081, p = 0.180) and consumer satisfaction ( = 0.109, p = 0.133) did not have significant effects.The regression model explained 73.1% of the variance in e-wallet adoption.These findings suggest that South Malaysian consumers prioritize convenience in their e-wallet adoption decisions, with factors like transaction speed, ease of use, and accessibility being more influential than security features or overall satisfaction with the service.The study contributes to the understanding of regional e-wallet adoption patterns and offers practical implications for e-wallet service providers and financial institutions seeking to increase adoption rates in South Malaysia.Limitations include the cross-sectional nature of the data and the convenience sampling method, suggesting opportunities for future longitudinal and mixed-method research approaches.