2025_E-Wallet Adoption, Innovative Behaviour and Technology Readiness In Jordan: A Case Of Orange Money
| Format: | General Document |
|---|
| _version_ | 1860798359601676288 |
|---|---|
| building | INTELEK Repository |
| collection | Online Access |
| collectionurl | https://intelek.unisza.edu.my/intelek/pages/search.php?search=!collection8791 |
| copyright | Copyright©PWB2026 |
| country | Malaysia |
| date | 2025-05-10 |
| format | General Document |
| id | 17455 |
| institution | UniSZA |
| originalfilename | E-WALLET ADOPTION, INNOVATIVE BEHAVIOUR AND TECHNOLOGY READINESS IN JORDAN A CASE OF ORANGE MONEY (PHD_2025).pdf |
| person | Zeyad Ahmed Sari Al-Refai |
| recordtype | oai_dc |
| resourceurl | https://intelek.unisza.edu.my/intelek/pages/view.php?ref=17455 |
| sourcemedia | Server storage Scanned document |
| spelling | 17455 https://intelek.unisza.edu.my/intelek/pages/view.php?ref=17455 https://intelek.unisza.edu.my/intelek/pages/search.php?search=!collection8791 General Document Malaysia Library Staff (Top Management) Library Staff (Management) Library Staff (Support) Terengganu Faculty of Business and Management English application/pdf 1.7 Jordan Microsoft® Word for Microsoft 365 Public Access Server storage Scanned document Universiti Sultan Zainal Abidin Universiti Sultan Zainal Abidin 304 Dissertations, Academic Structural Equation Modeling (SEM) Copyright©PWB2026 Thesis 2025-05-10 Zeyad Ahmed Sari Al-Refai E-wallet Adoption Customer Awareness Technological Readiness Innovative Behaviour Orange Money COVID-19 Pandemic Mobile Payments Middle East Banking Electronic funds transfers -- Jordan Mobile commerce -- Jordan Consumer behavior -- Jordan Digital currency -- Jordan Financial services industry -- Technological innovations -- Jordan 2025_E-Wallet Adoption, Innovative Behaviour and Technology Readiness In Jordan: A Case Of Orange Money The fundamental objective of an e-wallet is to make the transaction faster. However, it is found that a lack of trust in digital payments still exists that directly affects the adoption rate of e-wallets in Jordan. After the outbreak of the COVID-19 pandemic and the global lockdown situation, the online transaction process has been subjected to noticeable growth. With the innovation of advanced technologies, it has become possible to directly transact on individual smartphones with proper security and convenient payment options. In different countries, the implementation of mobile payment systems is relatively low. Although with the flow of time and change in the customers' behavior, individual governments are adopting e-wallet methods and effectively increasing awareness about this new payment trend. The primary objective of this study is to recognize all different aspects of e-wallet, increase customer awareness and increase e-wallet adoption in Jordan. This study identifies how people in Jordan react to technological changes and how they deal with them. This study must analyze the personal impact of technical aspects for welcoming a new mode of transaction. This study has employed a quantitative research method using a descriptive research design. The targeted population for the present study was 660,000 users of Orange Money in Jordan in 2020. A sample of 370 Orange Money users was selected based on probability simple random sampling technique. A self-administered survey questionnaire was designed to adapt and adopt theories from previous studies. A questionnaire was used as a research instrument for collecting data and validated using expert review and pre-testing. The pilot study was analyzed using Exploratory Factor Analysis (EFA). Later, the primary data were analyzed using IBM SPSS AMOS 21 for the structural equation modeling (SEM) to test the hypotheses. The findings of the structural model demonstrated that five hypotheses out of seven were supported in this study. It has also been found that there is a significant and direct relationship between innovative behaviour and customer awareness, a significant and direct relationship between technological readiness and customer awareness, and a significant and direct relationship between customer awareness and e-wallet adoption. On the other hand, findings proved that customer awareness mediates the relationship between innovative behaviour and e-wallet adoption and technological readiness and e-wallet adoption. The results show that due to rising awareness related to benefits, e-wallet users are expected to grow if a direct experience with e-wallet impacts future behaviour. The existing customer will continue using the e-wallet. In order to respond to this trend, service providers should also influence customer behaviour while initiating awareness campaigns. In conclusion, customer awareness has been found to impact e-wallet adoption in Jordan significantly. The study's findings are important in addressing the gap that has been found in the previous studies while contributing to the body of knowledge and adding to the financial and banking industry in the context of the Middle East region and Jordan. uuid:C2694984-9DEF-4157-8E31-2108435A0707 E-WALLET ADOPTION, INNOVATIVE BEHAVIOUR AND TECHNOLOGY READINESS IN JORDAN A CASE OF ORANGE MONEY (PHD_2025).pdf Smartphones -- Jordan COVID-19 Pandemic, 2020- |
| spellingShingle | 2025_E-Wallet Adoption, Innovative Behaviour and Technology Readiness In Jordan: A Case Of Orange Money |
| state | Terengganu |
| subject | Dissertations, Academic Electronic funds transfers -- Jordan Mobile commerce -- Jordan Consumer behavior -- Jordan Digital currency -- Jordan Financial services industry -- Technological innovations -- Jordan Smartphones -- Jordan COVID-19 Pandemic, 2020- |
| summary | The fundamental objective of an e-wallet is to make the transaction faster. However, it is found that a lack of trust in digital payments still exists that directly affects the adoption rate of e-wallets in Jordan. After the outbreak of the COVID-19 pandemic and the global lockdown situation, the online transaction process has been subjected to noticeable growth. With the innovation of advanced technologies, it has become possible to directly transact on individual smartphones with proper security and convenient payment options. In different countries, the implementation of mobile payment systems is relatively low. Although with the flow of time and change in the customers' behavior, individual governments are adopting e-wallet methods and effectively increasing awareness about this new payment trend. The primary objective of this study is to recognize all different aspects of e-wallet, increase customer awareness and increase e-wallet adoption in Jordan. This study identifies how people in Jordan react to technological changes and how they deal with them. This study must analyze the personal impact of technical aspects for welcoming a new mode of transaction. This study has employed a quantitative research method using a descriptive research design. The targeted population for the present study was 660,000 users of Orange Money in Jordan in 2020. A sample of 370 Orange Money users was selected based on probability simple random sampling technique. A self-administered survey questionnaire was designed to adapt and adopt theories from previous studies. A questionnaire was used as a research instrument for collecting data and validated using expert review and pre-testing. The pilot study was analyzed using Exploratory Factor Analysis (EFA). Later, the primary data were analyzed using IBM SPSS AMOS 21 for the structural equation modeling (SEM) to test the hypotheses. The findings of the structural model demonstrated that five hypotheses out of seven were supported in this study. It has also been found that there is a significant and direct relationship between innovative behaviour and customer awareness, a significant and direct relationship between technological readiness and customer awareness, and a significant and direct relationship between customer awareness and e-wallet adoption. On the other hand, findings proved that customer awareness mediates the relationship between innovative behaviour and e-wallet adoption and technological readiness and e-wallet adoption. The results show that due to rising awareness related to benefits, e-wallet users are expected to grow if a direct experience with e-wallet impacts future behaviour. The existing customer will continue using the e-wallet. In order to respond to this trend, service providers should also influence customer behaviour while initiating awareness campaigns. In conclusion, customer awareness has been found to impact e-wallet adoption in Jordan significantly. The study's findings are important in addressing the gap that has been found in the previous studies while contributing to the body of knowledge and adding to the financial and banking industry in the context of the Middle East region and Jordan. |
| title | 2025_E-Wallet Adoption, Innovative Behaviour and Technology Readiness In Jordan: A Case Of Orange Money |
| title_full | 2025_E-Wallet Adoption, Innovative Behaviour and Technology Readiness In Jordan: A Case Of Orange Money |
| title_fullStr | 2025_E-Wallet Adoption, Innovative Behaviour and Technology Readiness In Jordan: A Case Of Orange Money |
| title_full_unstemmed | 2025_E-Wallet Adoption, Innovative Behaviour and Technology Readiness In Jordan: A Case Of Orange Money |
| title_short | 2025_E-Wallet Adoption, Innovative Behaviour and Technology Readiness In Jordan: A Case Of Orange Money |
| title_sort | 2025_e-wallet adoption, innovative behaviour and technology readiness in jordan: a case of orange money |