The role of Mobile Skillfulness and User Innovation toward Electronic Wallet Acceptance in the Digital Transformation Era

The age of digital transformation has profound effects on the businesses' operations and consumer behavior. Payment through electronic wallet, which is one of the solutions to digitize consumer payables and corporate receivables, is increasingly popular globally. This study had enriched the Technology Acceptance Model (TAM) to explore the role of mobile skillfulness and user innovation in the electronic wallet acceptance of consumers in the digital transformation era. Both qualitative and quantitative research methods were used to achieve the research goal. Research results affirmed the TAM model applied toward e-wallet service, besides, showed the positive effect of mobile skillfulness and user innovation on consumers' intention to accept the e-wallet in daily transactions. Some managerial implications were also suggested for regulators at e-wallet service providers.