An m‐wallet service is a consumer option designed to offer users an easy way to make money transfers and purchases. This study proposed to use the mobile technology acceptance model (MTAM) and self‐efficacy theory—with the inclusion of three additional variables: personal innovativeness, trust and attitude—to understand the variables influencing behavioural intention and user behaviour of m‐wallet users in the eastern region of Thailand. A total of 820 questionnaires were distributed and collected from respondents who use m‐wallet services and who live in Thailand’s eastern provinces. Structural equation modelling (SEM) was used to investigate the relationships among the variables in the conceptual framework model. The findings highlight the importance of users’ attitudes towards using m‐wallet applications. These attitudes were influenced by personal innovativeness and trust, which in turn significantly affected both user intention and actual usage behaviour. The results provide practitioners with suggestions for developing effective m‐wallet service designs that meet the demands and expectations of m‐wallet users.
Phalitnonkiat et al. (Thu,) studied this question.