Unveiling the Dynamics of E-Wallet Adoption in Pakistan: Exploring the Mediating Influence of Facilitating Conditions on Behavioural Intentions

Abstract

Abstract Purpose: The evolution of e-wallets in Pakistan has been significant and moulded by technological progress, consumer behaviour changes, and regulatory measures. This study aims to explore the factors that influence the behavioural intention to use e-wallets in Pakistan, considering the mediating effect of facilitating conditions (FC) between perception usefulness (PU), perceived ease of use (PE), and behavioural intention. Design/Methodology/Approach: A primary research approach, including a quantitative survey among e-wallet users across Pakistan, is employed. Findings: The findings of the research suggest that all independent variables have a direct impact on dependent variables. Furthermore, facilitating conditions mediate the relationship between perceived ease of use and behavioural intention. However, the relationship between PU and behavioural intention is determined not to be mediated by FC. Research Limitations/Implications: The study enriches the literature by providing a deeper understanding of the interplay of such factors that affect e-wallet adoption in Pakistan and also provides some policy implications to policymakers and industry stakeholders to promote the adoption and usage of e-wallets in the country.