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International Journal of Marketing & Financial Management

E-WALLETS AND THE EVOLUTION OF DIGITAL PAYMENTS USING ARTIFICIAL INTELLIGENCE WITH THE TECHNOLOGY ACCEPTANCE MODEL

Karthikeyan.M, Dr. P. Manivannan

Karthikeyan.M, Research Scholar, Department of Commerce, Hindustan College of Arts and Science, Kelambakkam, Chennai, India

Dr. P. Manivannan, Research Supervisor and HOD, Department of Commerce, Hindustan College of Arts and Science, Kelambakkam, Chennai, India

DOI : https://doi.org/10.5281/zenodo.20520645 Page No : 182-194

Published Online : 2026-06-01

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ABSTRACT

The emergence of E-Wallet or Mobile Wallet in digitalizing currency exchange reinforces the principles that data is the important source.The widespread accessibility of mobile technology has enhanced these services to develop, allowing users to offer instant and convenient money transfers. This study examines the major transformation in digital payments through E-wallet adoption using the Technology Acceptance Model (TAM). Data were collected from 180respondents of digital payment platforms through the non-random sampling. This study explored three crucial factors of the use of e-wallets :customer satisfaction, experiencedbenefits andassessed ease of use. The finding demonstrates that both experiencedbenefits and assessed ease of use significantly influence customer satisfaction. The marketers should ensure that the key factor for success is to be trustworthy and value adding to their customers to stand out in the market.

Keywords: Digitalization, E-Wallet, Digital Technology, Digital Transactions, Technology Acceptance Model

References:

T. Muthukalyani& A. Irinsutha, Digital Payment system using artificial intelligence in E-Wallet, IJISAE, 2024.
Halim, F., Butarbutar, M., Malau, A. R., Program, M. S., Tinggi, S., Ekomomi, I., Agung, S., & Program, M. S. (2020). Constituents Driving Interest in Using E-Wallets in Generation Z. 1(1), 101–116.
May, O. S., Hartini, H., & Yee, L. H. (2021). Investigating Factors Influencing Consumers’ Intention to Adopt E-Wallet among Generation Z in Selangor, Malaysia. 5(1).
Revathy, C., & Balaji, P. (2020). Determinants of behavioural intention on e-wallet usage: an empirical examination in amid COVID-19 lockdown period. International Journal of Management (IJM), 11(6), 92–104.
Shin, D. H. (2009). Towards an understanding of the consumer acceptance of mobile wallet.
Bagla, R. K., &Sancheti,V. (2018). Gaps in customer satisfaction with digital wallets: challenge for sustainability. Journal of Management Development, 37(6), 442-451.
Hassan, M. A., & Shukur, Z. (2019, September). Review of digital walletrequirements. In 2019 International Conference on Cybersecurity (ICoCSec) (pp. 43-48). IEEE.
Alam, M. M., Awawdeh, A. E., & Muhamad, A. I. B. (2021). Using e-wallet for business process development: challenges and prospects in Malaysia. Business Process Management Journal, 27(4), 1142-1162.
Kumar, R., Mishra, V., & Saha, S. (2019). Digital financial services in India: An analysis of trends in digital payment. IJRAR, 6(2), 6-10.
Chang, V., Di Stefano, A., Sun, Z., & Fortino, G. (2022). Digital payment fraud detection methods in digital ages and Industry 4.0. Computers and Electrical Engineering, 100, 107734.

Cite this Article as: Karthikeyan.M, & P. Manivannan (2026), “E-Wallets and the Evolution of Digital Payments Using Artificial Intelligence with the Technology Acceptance Model”, International Journal of Marketing & Financial Management, Volume 14, Issue1, 2026, pp 182-194, DOI : https://doi.org/10.5281/zenodo.20520645

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PDF Download: 7

References:

T. Muthukalyani& A. Irinsutha, Digital Payment system using artificial intelligence in E-Wallet, IJISAE, 2024.
Halim, F., Butarbutar, M., Malau, A. R., Program, M. S., Tinggi, S., Ekomomi, I., Agung, S., & Program, M. S. (2020). Constituents Driving Interest in Using E-Wallets in Generation Z. 1(1), 101–116.
May, O. S., Hartini, H., & Yee, L. H. (2021). Investigating Factors Influencing Consumers’ Intention to Adopt E-Wallet among Generation Z in Selangor, Malaysia. 5(1).
Revathy, C., & Balaji, P. (2020). Determinants of behavioural intention on e-wallet usage: an empirical examination in amid COVID-19 lockdown period. International Journal of Management (IJM), 11(6), 92–104.
Shin, D. H. (2009). Towards an understanding of the consumer acceptance of mobile wallet.
Bagla, R. K., &Sancheti,V. (2018). Gaps in customer satisfaction with digital wallets: challenge for sustainability. Journal of Management Development, 37(6), 442-451.
Hassan, M. A., & Shukur, Z. (2019, September). Review of digital walletrequirements. In 2019 International Conference on Cybersecurity (ICoCSec) (pp. 43-48). IEEE.
Alam, M. M., Awawdeh, A. E., & Muhamad, A. I. B. (2021). Using e-wallet for business process development: challenges and prospects in Malaysia. Business Process Management Journal, 27(4), 1142-1162.
Kumar, R., Mishra, V., & Saha, S. (2019). Digital financial services in India: An analysis of trends in digital payment. IJRAR, 6(2), 6-10.
Chang, V., Di Stefano, A., Sun, Z., & Fortino, G. (2022). Digital payment fraud detection methods in digital ages and Industry 4.0. Computers and Electrical Engineering, 100, 107734.

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