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Three Generations of Cybercash
Abstract
While we are still some years away from a universal electronic-payments system that is widely used for e-commerce on the internet, it behoves us to take a closer look at ongoing cybercash experiments. Even in this embryonic stage we can get a glimpse of a future in which cybercash will have become a dominant money form.1
... Practically, two terms -"virtual wallet" and "electronic wallet" -are used interchangeably, but according to Sahut [9], the e-wallet is used to store customers' fund data by employing smart-card technology, while the virtual wallet is used as a software application to record all information. Sometimes, the e-wallet has been referred to as emoney or a kind of cyber-cash [10]. However, with the growth of blockchain and mobile usage around the world, the distinction between these terms is blurred and exchangeable. ...
Despite their young age, Generation Z has high awareness and experience of using e-wallets, otherwise known as digital wallets. However, research on users’ behaviours is often conducted in the context of the older Millennial generation, which has many different characteristics and behaviours in their use of the new technical e-wallet. This research aims to examine how technical barriers and promoting factors impact Generation Z’s intention to adopt an e-wallet service to hold their money and make frictionless payments. Based on the technology acceptance model (TAM), this study examines 170 Generation Z students who were born between 1995 and 2005. The results show that the relationship between promoting factors and intention to use the e-wallet has been mediated by perceived usefulness, while the barrier factor has a direct influence on intention to use.
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