Impact of Using Digital Wallets in Enhancing Online Shopping: A Survey Study on a Sample of Students from Colleges of The University of Mosul

• Post by: Muthanna mjdes
• January 2, 2025
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Abstract

In light of modern financial developments, digital wallets (E-Wallets) have emerged as one of the most prominent technologies in use, experiencing a significant increase in their adoption for online shopping due to their ease of use and security. This study analyzes the factors influencing the use of digital wallets in enhancing online shopping, relying on the TAM model. The study followed a descriptive-analytical methodology, with an electronic questionnaire designed and distributed to a sample of Mosul University students, collecting 367 responses. Structural equation modeling was employed to validate the proposed model and test the hypotheses using SPSS24 and AMOS24 software. One of the study’s key findings is that all the factors examined in the model (perceived usefulness, perceived ease of use, perceived enjoyment, and perceived trust) positively affect the adoption of digital wallets. Moreover, it demonstrated that digital wallets directly and significantly impact online shopping. The study recommends that online stores adopt digital wallets to streamline payment processes, thus facilitating customer purchases

Muthanna Journal of Administrative and Economic Sciences, 2024,Volume 14, Issue 4, Pages 45-57

DOI:10.52113/6/2024-14-4/45-57

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