Consumer behavior towards e-wallet usage in the post-COVID-19 era in Saudi Arabia
Bibliographic record
Abstract
Saudi Arabia's Vision 2030 seeks to transition towards a cashless society and increase non-cash transactions to 70% by 2025. The COVID-19 pandemic has further accelerated cashless activities in Saudi Arabia, with e-payments increasing by 75% in the past year. This study explores consumer behavior towards using e-wallets in the post-COVID-19 era by employing the extended Technology Acceptance Model (TAM). The results of an online survey conducted among 303 Saudi citizens were analyzed using SPSS. This study examines the correlation coefficients between the variables and conducts an ANOVA to determine the influence of all variables on consumer behavior towards e-wallets in Saudi Arabia post-COVID-19. The findings indicate that consumer behavior is positively influenced by perceived usefulness, perceived ease of use, lifestyle compatibility, and traceability, whereas cost does not significantly impact the use of e-wallets. Additionally, the results show that approximately 28.1% of the respondents used e-wallet services due to the pandemic. This study adds to the literature by expanding on previous work on the topic and providing detailed insights into the factors of e-wallet acceptability in Saudi Arabia.
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How this classification was reachedexpand
Full frame distilled prediction
Teacher imitationNot calibrated prevalence, not ground truth. Human validation pending. Learned from the 10,348 direct Codex labels and 10,348 direct Gemma labels. Candidate is the union of thresholded teacher heads; consensus is their intersection. These outputs are machine_predicted_unvalidated and are not human labels or direct frontier model labels.
Codex and Gemma teacher scores by category
| Category | Codex | Gemma |
|---|---|---|
| Metaresearch | 0.003 | 0.002 |
| Meta-epidemiology (narrow) | 0.000 | 0.000 |
| Meta-epidemiology (broad) | 0.000 | 0.000 |
| Bibliometrics | 0.001 | 0.005 |
| Science and technology studies | 0.000 | 0.001 |
| Scholarly communication | 0.002 | 0.003 |
| Open science | 0.001 | 0.000 |
| Research integrity | 0.000 | 0.000 |
| Insufficient payload (model declined to judge) | 0.000 | 0.001 |
Machine scores (provisional)
The two teacher heads of the student model, read on this work. A score orders the frame for review; it never asserts a category, and the validation status ships verbatim with every row.
Baseline scores from an immature model (maturity gate not passed, 7 training rounds). Scores rank; they never assert a category.
score_only:v0-immature-baseline · verbatim from the scoring run: score_only means the number may rank works, and no category label ships from itClassification
machine, unvalidatedMachine predicted; a candidate call from one teacher head, not a consensus.
How this classification was reached, model by model and score by score, is at the end of the page under "How this classification was reached".