Despite the strong and consistent increase in the use of
electronic payment methods worldwide, the diffusion of electronic
wallets is still far from widespread. Analysis of the failure of
electronic wallet uptake has either focused on technical issues or
chosen to analyse a specific scheme. This article proposes a joint
approach to analysing key factors affecting the adoption of e-wallets
by using the ‘Technology Acceptance Model” [1] which we have
expanded to take into account the cost of using e-wallets. We use this
model to analyse Monéo, the only French electronic wallet still in
operation.
[1] Davis, F.D., "Perceived Usefulness, Perceived Ease of Use, and User
Acceptance of Information Technology", MIS Quarterly, vol.13, n┬░3,
1989.
[2] Katz M. & C. Shapiro, "Technology Adoption in the Presence of
Network Externalities", Journal of Political Economy, Vol. 94, n┬░4,
1986.
[3] Katz M. & C. Shapiro, "System Competition and Network Effects",
Journal of Economic Perspectives, Volume 8, Number 2, Spring 1994, p.
93-115.
[4] Katz M. & C. Shapiro, "Network Externalities, Competition, and
Compatibility", American Economic Review, Vol.75, N┬░3, 1985.
[5] Sahut JM, "Why does SSL dominate the e-payment market?", Journal of
Internet Banking and Commerce, vol 9, n┬░1, Feb 2004 (translated by
Galuszewska).
[6] Shapiro C. & H. R. Varian, Economie de l-information, De Boeck
Université, 1999.
[7] Chakravarti A. & J. Xie, "The impact of standards Competition on
Consumers: Effectiveness of product information and advertising
formats", Journal of Marketing Research, Vol.XLIII, May 2006.
[8] Verdier M., "Retail Payment Systems: What do we learn from Two-
Sided Markets?", Communications & Strategies, n┬░61, 2006.
[9] Azjen I. And M. Fishbein, Understanding attitudes and predicting social
behaviour, Prentice Hall, Englewood Cliffs, NJ.
[10] James Y.L., Wm Wong, W. Hong, K.Y. Tam, "Determinants of User
Acceptance of Digital Libraries: An Empirical Examination of
Individual Differences and System Characteristics", Journal of
Management Information Systems, Winter 2002, vol.18, n┬░ 3, 2002.
[11] Chau, P.Y., "An empirical investigation of factors affecting the
Acceptance of CASE by systems developers", Information and
Management, vol.30, n┬░6, 1996.
[12] Bourne H. & Szmigin I., "Electronic cash: a qualitative assessment of its
adoption", International Journal of Bank Marketing, 1999.
[13] Van Hove L., "The New-York City Smart Card Trial in Perspective: A
Research Note", International Journal of Electronic Commerce, Vol.5,
Num.2, Winter 2000-2001.
[14] Nakayama Y., Moribatake H., Abe M., & Fujisaki E., "An electronic
money scheme", IMES discussion paper series, Bank of Japan, 1998.
[15] Allen F., A.M. Santomero, "What Do Financial Intermediation Do?",
Journal of Banking and Finance, vol. 25, 2001.
[1] Davis, F.D., "Perceived Usefulness, Perceived Ease of Use, and User
Acceptance of Information Technology", MIS Quarterly, vol.13, n┬░3,
1989.
[2] Katz M. & C. Shapiro, "Technology Adoption in the Presence of
Network Externalities", Journal of Political Economy, Vol. 94, n┬░4,
1986.
[3] Katz M. & C. Shapiro, "System Competition and Network Effects",
Journal of Economic Perspectives, Volume 8, Number 2, Spring 1994, p.
93-115.
[4] Katz M. & C. Shapiro, "Network Externalities, Competition, and
Compatibility", American Economic Review, Vol.75, N┬░3, 1985.
[5] Sahut JM, "Why does SSL dominate the e-payment market?", Journal of
Internet Banking and Commerce, vol 9, n┬░1, Feb 2004 (translated by
Galuszewska).
[6] Shapiro C. & H. R. Varian, Economie de l-information, De Boeck
Université, 1999.
[7] Chakravarti A. & J. Xie, "The impact of standards Competition on
Consumers: Effectiveness of product information and advertising
formats", Journal of Marketing Research, Vol.XLIII, May 2006.
[8] Verdier M., "Retail Payment Systems: What do we learn from Two-
Sided Markets?", Communications & Strategies, n┬░61, 2006.
[9] Azjen I. And M. Fishbein, Understanding attitudes and predicting social
behaviour, Prentice Hall, Englewood Cliffs, NJ.
[10] James Y.L., Wm Wong, W. Hong, K.Y. Tam, "Determinants of User
Acceptance of Digital Libraries: An Empirical Examination of
Individual Differences and System Characteristics", Journal of
Management Information Systems, Winter 2002, vol.18, n┬░ 3, 2002.
[11] Chau, P.Y., "An empirical investigation of factors affecting the
Acceptance of CASE by systems developers", Information and
Management, vol.30, n┬░6, 1996.
[12] Bourne H. & Szmigin I., "Electronic cash: a qualitative assessment of its
adoption", International Journal of Bank Marketing, 1999.
[13] Van Hove L., "The New-York City Smart Card Trial in Perspective: A
Research Note", International Journal of Electronic Commerce, Vol.5,
Num.2, Winter 2000-2001.
[14] Nakayama Y., Moribatake H., Abe M., & Fujisaki E., "An electronic
money scheme", IMES discussion paper series, Bank of Japan, 1998.
[15] Allen F., A.M. Santomero, "What Do Financial Intermediation Do?",
Journal of Banking and Finance, vol. 25, 2001.
@article{"International Journal of Business, Human and Social Sciences:59077", author = "Jean-Michel Sahut", title = "The Adoption and Diffusion of Electronic Wallets", abstract = "Despite the strong and consistent increase in the use of
electronic payment methods worldwide, the diffusion of electronic
wallets is still far from widespread. Analysis of the failure of
electronic wallet uptake has either focused on technical issues or
chosen to analyse a specific scheme. This article proposes a joint
approach to analysing key factors affecting the adoption of e-wallets
by using the ‘Technology Acceptance Model” [1] which we have
expanded to take into account the cost of using e-wallets. We use this
model to analyse Monéo, the only French electronic wallet still in
operation.", keywords = "Electronic wallet, adoption, ICT, TAM, Monéo,
electronic payment.", volume = "2", number = "5", pages = "562-4", }
