This study aims to examine the influencing factor of performance expectancy, effort expectancy, and social influence on the acceptance to use e-wallet among the B40 group which is the low-income group in Malaysia by utilizing the unified theory of acceptance and use of technology (UTAUT). Due to the noticeable increase of cashless and contactless transactions during Covid19, the usage of e-wallet has been increasing tremendously. However, to align with the government's intention to reach the cashless society and contactless payment, a small spread acceptance among individuals, especially the low-income community or B40, makes it very difficult to realize the efforts of the government. Thus, this research will help in creating a new model for the government to use as a guideline to achieve a high level of acceptance of e-wallet usage among B40 even when they are facing financial difficulty.
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