Post-Pandemic Drivers of E-Wallet Continued Use: Cross-Regional Evidence from Southeast Asia and Sub-Saharan Africa

Lidya Primta Surbakti, Muhammad Auwal Kabir, Somnuk Aujirapongpan, Ekawati Jati Wibawaningsih, Agus Maulana

Abstract


This study aims to examine and compare the determinants of continued e-wallet usage in the post-pandemic context in Indonesia and Nigeria. Data were obtained from an online survey of 275 respondents across the two countries and analyzed using Partial Least Squares Structural Equation Modeling (PLS-SEM). The results indicate that perceived ease of use and perceived risk are significant predictors of continued e wallet use in both countries, highlighting the dual importance of usability and security concerns in sustaining digital payment behavior. Perceived usefulness exerts a positive but relatively weak effect on continuance intention, suggesting that functional benefits alone are insufficient without supportive experiential factors. In contrast, awareness and social influence do not show significant direct effects in the pooled analysis, although awareness becomes relevant in specific contextual conditions. Theoretically, these findings extend post-adoption models of financial technology by demonstrating that core technology acceptance constructs operate differently across emerging economies and by clarifying the limited role of social drivers in the post-pandemic stage. Practically, the study implies that providers should prioritize risk mitigation strategies and interface simplicity in both markets, while tailoring educational and awareness initiatives, particularly for less formally educated users in Nigeria to strengthen sustained usage. The novelty of this study lies in its cross-regional comparison between Southeast Asia and Sub-Saharan Africa, offering rare empirical evidence on post-pandemic e-wallet continuance behavior across distinct emerging market contexts.

Keywords


E-wallet; COVID-19; Southeast Asia; Sub-Saharan Africa.

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References


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DOI: https://doi.org/10.17509/jaset.v17i2.92917

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