Adoption Of Touch ’N Go eWallet Among Polytechnic Metro Johor Bahru Students

Abstract

Objective: This study aims to examine the key determinants influencing students’ adoption and continued use of the Touch ‘n Go eWallet, guided by the Technology Acceptance Model (TAM).

Research Method: A quantitative survey approach was employed to analyze the relationships among perceived usefulness, ease of use, perceived risk, and promotional offers in shaping students’ behavioral intentions toward e-wallet usage.

Findings: The findings reveal that perceived usefulness and ease of use significantly enhance students’ intention to adopt and continue using the e-wallet, while perceived risk exerts a minor negative effect. Promotional incentives, such as discounts and cashback, further strengthen short-term engagement despite security concerns.

Originality: This study extends the TAM framework by integrating perceived risk and promotional factors, offering valuable insights into sustaining digital payment adoption among young consumers in Malaysia