Electronic Wallet Adoption

The surge of electronic wallets (e-wallets) is rapidly transforming the financial landscape, responding to an increasingly digital-first society. As Filipino consumers and businesses gravitate toward faster, secure, and seamless transaction methods, e-wallets have emerged as indispensable tools in daily financial activities. Factors such as convenience, enhanced security, and integration with modern technologies have made e-wallets a preferred choice for many. By 2025, digital payments are forecasted to outpace traditional cash transactions, driven not only by technological innovation but also by a societal push toward financial inclusivity. This trend reflects a broader commitment to bridge economic access gaps, empowering underserved communities across the Philippines. Moreover, the integration of AI-driven security protocols and real-time payment systems signals a future where e-wallets do more than simplify transactions — they catalyze social and economic growth across both urban and rural sectors.

Who Can Use These Topics?

These research topics are ideal for students and professionals pursuing:

College Programs:

• Business Administration (Major in Financial Management)

• BS in Financial Technology

• BS in E-Commerce

• BS in Economics

• BA in Development Studies

• BS in Entrepreneurship

• AB Communication (for fintech communications and literacy projects)

Senior High School Strands:

• Accountancy, Business, and Management (ABM)

• Science, Technology, Engineering, and Mathematics (STEM) (particularly for tech-driven financial solutions)

• Humanities and Social Sciences (HUMSS) (for social impact studies)

• General Academic Strand (GAS)

Why This Topic Needs Research

Exploring e-wallet adoption remains crucial due to several persistent gaps in the current research landscape:

• Limited Age and Regional Diversity: Most studies concentrated on Generation Z or single urban locations, overlooking how different age groups and rural communities might engage differently with e-wallet technologies (Salma & Permatasari, 2025).

• Lack of Psychological and Sociological Integration: Previous research emphasized technological factors but lacked a deep analysis of psychological, cultural, and social influences, which are vital for understanding long-term adoption behaviors (Rashid et al., 2025).

• Insufficient Exploration of New Motivational Frameworks: While existing models like TAM (Technology Acceptance Model) were effective, studies recommended integrating theories such as Self-Determination Theory to better explain continued e-wallet use (Kumar et al., 2025).

• Underexplored Technological Innovations: Although ease of use and security were widely studied, emerging factors like AI-driven personalization, gamification, and blockchain security have not been thoroughly investigated (Mulyadi & Saragih, 2025).

• Financial Literacy and Trust Gaps: The roles of digital financial literacy and trust in sustaining e-wallet usage were flagged as critical but understudied, especially among broader student populations and underserved communities (O'Connor, 2025).

• Changing Behavior Over Time: Longitudinal studies are scarce, leaving gaps in understanding how consumer behaviors toward e-wallets evolve as technologies and user needs change (Alcain et al., 2024).

Feasibility & Challenges by Target Group

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References

Alcain, J. B., Aquino, M. A. P., Dave, G. H. E., Fadri, E. J. C., & Halabaso, A. A. (2024, April). Perceived Adoption Behavior of Filipinos to the Utilization of Online Banking and E-Wallet Payment Transactions. In Proceedings of the International Conference on Industrial Engineering and Operations Management, 5th African International Conference on Industrial Engineering and Operations Management, Johannesburg/Pretoria, South Africa.

Kumar, A., Haldar, P., & Chaturvedi, S. (2025). Factors influencing intention to continue use of e-wallet: mediating role of perceived usefulness. Vilakshan-XIMB Journal of Management, 22(1), 45-61.

O’CONNOR, A. N. G. E. L. A. (2025). THE RELATIONSHIP OF ACCESSIBILITY AND CONVENIENCE, AND SOCIAL INFLUENCE ON E-WALLET USAGE AMONG XAVIER UNIVERSITY-ATENEO DE CAGAYAN 4TH YEAR SCHOOL OF BUSINESS AND MANAGEMENT STUDENTS (Doctoral dissertation, SCHOOL OF BUSINESS AND MANAGEMENT STUDENTS” A THESIS PROPOSAL Presented to the Faculty of the School of Business and Management, Xavier University).

Rashid, M., Shamsi, M. A., Anwar, I., Saleem, I., & Yahya, A. T. (2025). Consumer intention to adopt e-wallets in rural India: an investigation by extending the technology acceptance model. Cogent Business & Management, 12(1), 2428776.

Salma, S. N., & Permatasari, D. (2025). Investigating E-Wallet Adoption Among Gen Z Students: Determinants of Behavioral Intention and Actual Use. Journal of Enterprise and Development (JED), 7(1), 192-205.

Saragih, M. H., & Mulyadi, M. C. (2025). INFLUENCE OF PERCEIVED USEFULNESS, TRUST, PERCEIVED EASE OF USE AND SOCIAL INFLUENCE ON E-WALLET ADOPTION IN GENERATION Z. Pedagogic Research-Applied Literacy Journal, 2(1), 8-15.

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