Factors Affecting E-Wallet Usage: A Study in Türkiye

In today’s increasingly digitalized world, the concept of the electronic wallet (e-wallet) is rapidly replacing the traditional physical wallet. This technological transformation enables consumers to conveniently purchase products and services from any person or store around the world, regardless of time and place. Over the years, many theoretical models have been developed and improved to explain the acceptance and adoption of such innovations, starting with the well-known Technology Acceptance Model (TAM). In this study, user experience and behavioral intentions related to e-wallet usage were examined based on the TAM framework. A total of 330 individuals voluntarily participated in the research. A structured questionnaire was administered to the participants to gather their opinions and experiences regarding the use of e-wallets on the internet. In the survey, items about perceived usefulness, perceived ease of use, intention to use, system security, cultural congruity, social image, and system quality were measured using a 5-point Likert-type scale. The collected data were analyzed through SPSS 23, and the results were reported using descriptive statistics, normality tests, factor analysis, reliability analysis, and regression analysis.