Investigating the Mediating Role of Satisfaction in Student E-Wallet Use

This study examines the influence of student perceptions on their e-wallet use, focusing on the mediating role of satisfaction. A quantitative approach using a self-administered online survey gathered data from 500 university students. Partial Least Squares Structural Equation Modeling (PLS-SEM) was used to analyse the relationships between perceived usefulness, perceived ease of use, trust in e-wallets, satisfaction, and intention to use. The findings reveal that perceived usefulness, perceived ease of use, and trust (significantly influence students' intention to use e-wallets. Satisfaction was found to mediate these relationships effectively, with indirect effects on perceived usefulness, perceived ease of use, and trust on intention to use. Interestingly, price benefit did not significantly impact intention to use. These findings highlight the importance of student perceptions in driving e-wallet adoption and suggest the need for further exploration of factors influencing student satisfaction. The study offers e-wallet developers insights into designing user-friendly, valuable, and secure platforms that cater to student needs.