Abstract:

Electronic commerce ( e-commerce) continues to have a significant influence on the global market climate. Still, cloud networking, the contactless payment system, and mobile banking have started to rely more on technology and apps. Against this perspective, a virtual delivery platform has surfaced as an electronic wallet (e-wallet), with considerable research devoted to its adoption. However, there has been a lack of a consistent roadmap or plan for this research stream. Therefore, the present article analyses and synthesises current e-wallet acceptance studies and describes the key hypotheses that academics have used to assess the customer's intentions to accept it. The findings show that the e-wallet adoption literature is divided. However, it typically relies on the model of technology acceptance and its modifications, revealing that security, facilitating condition, Lifestyle Compatibility, trust, social influence, Social norms, Hedonic Motivation, perceived Innovativeness, reward, PU, attitude and PEOU are the most critical drivers of to adopt e-wallet services in developed and developing countries. In comparison, current literature continues to be restricted by its narrow emphasis on e-wallet users in less developed countries; virtually little or no study discusses the usage of e-wallet users by merchants or takes into account the implications of government policy, such as government incentives, as well as the technological skills necessary for such use. This report provides many proposals for increasing studies in the field of mobile wallets.