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Integrating TRI And UTAUT In E-Wallet Adoption: A Validity And Reliability Study

Fintech innovations such as electronic wallet (e-wallet) is reshaping the payment landscape. However, in actual fact, e-wallet has yet to reach high-scale adoption in Malaysia inspite of its large potential. At the moment, little is known about the setback. This present study intends to examine the possibility of integrating Technology Readiness Index (TRI) and Unified Theory of Acceptance and Use of Technology (UTAUT) in explaining e-wallet adoption. We validate the model that may help to explain the e-wallet adoption behaviour, the representativeness of items to a construct domain, and the overall instrument in order to evaluate the actual study result. The indicators including outer loading and Cronbach’s Alpha for indicator reliability; Composite Reliability (CR) for internal consistency reliability; and Average Variance Extracted (AVE) for convergent validity were tested and verified in this present study. The instruments shall be beneficial to those who hold a particular interest in e-wallet adoption studies.