What does this research mean for the field?

Perceived ease of use, perceived usefulness, trust, and technology self-efficacy significantly drive e-wallet adoption among zakat recipients (ASNAFS), whereas social influence does not. Novelty: ClaimNovelty.NOVEL_FINDING. Consensus alignment: ConsensusAlignment.NEUTRAL.

What question did this study set out to answer?

This study aims to investigate the factors influencing the acceptance of e-wallet apps among registered ASNAFS in Sabah.

June 6, 2026

Influence of user acceptance factors and technology self-efficacy on zakat institutions’ registered ASNAFS’ usage of e-wallet apps

Key Points

This study aims to investigate the factors influencing the acceptance of e-wallet apps among registered ASNAFS in Sabah.
Quantitative approach using self-administered questionnaires and online surveys
Multivariate analysis with multiple regression analysis via SPSS
Convenience sampling of over 200 registered ASNAFS in Sabah
Perceived ease of use, perceived usefulness, trust, and technology self-efficacy significantly increase ASNAFS’ intention to use e-wallets
Social influence does not significantly impact ASNAFS’ acceptance of e-wallets

Abstract

Purpose This study aims to extend the technology acceptance model (TAM) among (ASNAF), a term used for charity or gift recipients from alms tax distribution institutions, also known as donee in the context of Sabah; this paper investigates the factors that influence the acceptance of e-wallet apps. Design/methodology/approach This study uses a quantitative approach and empirically analyzes the data gathered via self-administered questionnaires and an online survey conducted among registered ASNAFS in Sabah. The findings were subjected to multivariate analysis through the application of multiple regression analysis, using the statistical package for social sciences (SPSS) software as the primary tool for data analysis. Findings The findings indicate that perceived ease of use, perceived usefulness, trust and technology self-efficacy (TSE) have a significant positive relationship with ASNAFS’ intention to use e-wallets. On the contrary, social influence does not appear to be a determinant of ASNAFS’ acceptance toward e-wallet usage. Research limitations/implications This research used convenience sampling and invited over 200 participants to fill out the questionnaires, limited to registered ASNAFS in Sabah. Practical implications Results of this study will help zakat (alms tax) institutions in Sabah to provide best practices for promoting e-wallet usage among registered ASNAFS’. Next, this study will also guide e-wallet providers to plan better offers for e-wallet services among ASNAF. Originality/value This study integrated trust and TSE in explaining ASNAFS’ acceptance of e-wallets in Sabah, Malaysia. The TAM framework was extended to examine registered ASNAFS’ willingness to use e-wallet apps. The extended TAM model is used to test two novel variables: trust and TSE. To the best of the authors’ knowledge, there has not yet been any testing of the trust and TSE factors in relation to ASNAFS’ acceptance of e-wallet apps. As a result, future researchers, academics, technologists and policymakers will find this paper to be a helpful resource.

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