Touching the Future: Drivers of E-Wallet Adoption in Malaysia

Touch ‘n Go is a Malaysian digital wallet application that enables secure, convenient, and cashless transactions across various sectors, including retail, restaurants, and transportation hubs. The growing use of such platforms highlighted the need to understand the factors influencing their adoption. This study aimed to examine the determinants that affected the intention to use Touch ‘n Go E-Wallet in Malaysia, focusing on perceived convenience, perceived security, consumer attitude, and social influence. Data were collected through an online survey distributed via Google Forms, targeting active users of Touch ‘n Go E-Wallet. A total of 150 valid responses were obtained and analyzed using regression analysis with SPSS. The results revealed that perceived convenience and consumer attitude had significant positive effects on e-wallet adoption, with beta values of 0.245 and 0.560, respectively, both at p < 0.001. In contrast, perceived security and social influence, with beta values of 0.028 and 0.131, were not statistically significant. The model explained 81.1% of the variation in adoption behavior (R² = 0.811). These findings indicated that usability and positive consumer perceptions were the most influential drivers of adoption. The results suggested that enhancing user experience and strengthening consumer trust could further accelerate the acceptance of e-wallets in Malaysia