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ORIGINAL RESEARCH article
Front. Hum. Dyn.
Sec. Digital Impacts
Volume 7 - 2025 | doi: 10.3389/fhumd.2025.1545141
DIGITAL WALLETS: A STUDY ON THE INFLUENCE OF CONSUMER PERCEPTIONS AND ATTITUDES ON IMPULSIVE CONSUMER BEHAVIOUR
Provisionally accepted- School of Business, Binus University, Jakarta, Indonesia
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Digital wallets, or electronic wallets (e-wallets), have developed to be the most common form of digital payment methodology in Indonesia in line with the significant growth in internet accessibility and adoption of financial technology (fintech). Accordingly, there has been a corresponding increase in research into the adoption, use, and impact of digital wallets. However, contemporary research has focused disproportionately on the positive outcomes of digital wallet use, with limited exploration of the potential negative consequences. The objectives of this study were to understand the relationship between digital wallet use and impulsive spending behaviour of consumers by examining the effect of perceived ease of use (PEOU), perceived enjoyment (PE) and perceived usefulness (PU) towards the impulsive behaviour (IB) with consumer attitude (CA) as a mediating variable. This study used convenience sampling to obtain data from 238 DIGITAL WALLETS: A STUDY ON THE INFLUENCE OF CONSUMER PERCEPTIONS AND ATTITUDES ON IMPULSIVE CONSUMER BEHAVIOUR 2 active digital wallet users residing in the DKI Jakarta area aged between 18 and 41. Results demonstrated that PE and PU had significant and positive impacts on CA, while PEOU did not. Further, CA did not have a significant influence on the dependent variable of IB. The research model accounted for 71% of the variance in CA, and 5.4% of the variance in IB. Results demonstrated there was no significant effect from consumer attitude as a mediator. The outcomes indicate the research model adequately and substantially explained the impact on the mediator consumer attitude; however, do not adequately explain impulsive behaviour. This research will contribute to the growing body of literature exploring the spectrum of outcomes of digital wallet use and inform the readership on the importance of perceived enjoyment and perceived usefulness of digital wallet use in driving consumer attitude.
Keywords: consumer attitude, Digital wallet, Impulsive behaviour, Perceived ease of use, Perceived enjoyment, Perceived usefulness
Received: 14 Dec 2024; Accepted: 09 Apr 2025.
Copyright: © 2025 Underdown and Tamara. This is an open-access article distributed under the terms of the Creative Commons Attribution License (CC BY). The use, distribution or reproduction in other forums is permitted, provided the original author(s) or licensor are credited and that the original publication in this journal is cited, in accordance with accepted academic practice. No use, distribution or reproduction is permitted which does not comply with these terms.
* Correspondence: Kit Underdown, School of Business, Binus University, Jakarta, Indonesia
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