Innovation resistance and perceive novelty on e-wallet services

Muhammad Fikry Aransyah, Juliansyah Roy, Yesi Aprianti


E-wallet, or also known as the digital wallet is a structure that saves users' pins and payment information securely as a means of transaction.  Because of the progress of mobile technologies, the use of e-wallet facilities is increasing globally, including in Indonesia. In comparison, on e- wallet services, less attention is paid to user-related Innovation Resistance issues. This paper aims to review the Innovation Resistance Theory that consists of Use, Value, Risk, Tradition, and Image Barrier to investigate e-wallet resistance. This study views perceived novelty factor which proposed in previous studies that focused on mobile application and e-wallet services. The result of this paper is regarded as essential to provide a baseline for future e-wallet services to accommodate user needs and increase e-wallet utilization.


E-wallet; innovation resistance theory; perceived novelty

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