Factor Influencing The Use of Mobile Wallets in Myanmar

Main Article Content

tin htet lwin
Pithoon Thanabordeekij


The main objective of the study is to examine the seven factors (performance expectancy; effort expectancy; social influence; facilitating conditions; hedonic motivation; price value; habit) affecting behavioral intention to use a mobile wallet which based on extended unified theory of acceptance and use of technology (UTAUT-2) model in the context of Myanmar.

The quantitative questionnaires were approached to detect seven factors with behavior intention to use a mobile wallet by using linear regression analysis to confirm the results. Survey data were collected from 496 experienced users. Results of the study demonstrated that performance expectancy, social influence, facilitating conditions and habit factors are significant influences behavior intention to use mobile banking in Myanmar.


Download data is not yet available.

Article Details

How to Cite
lwin, tin htet, & Thanabordeekij, P. (2019). Factor Influencing The Use of Mobile Wallets in Myanmar. Panyapiwat Journal, 11(3), 30-41. Retrieved from https://so05.tci-thaijo.org/index.php/pimjournal/article/view/187188
Research Article


Angela, S. (2016). What is a mobile payment? Retrieved August 15, 2018, from https://quat-devtccrocks.cosdevx.com/blog/what-is-a-mobile-payment/

Baumgartner, H. & Steenkamp, J. B. (1996). Exploratory consumer buying behavior: Conceptualization and measurement. International Journal of Research in Marketing, 13(2), 121-137.

Booth, D. & Shepherd, R. (1988). Sensory influences on food acceptance - The neglected approach to nutrition promotion. Nutrition Bulletin, 13(1), 39-54.

Brown, S. & Venkatesh, V. (2005). Model of adoption of technology in households: A baseline model test and extension incorporating house-hold life cycle. MIS Quarterly: Management Information Systems, 29(3), 399-426.

CEIC. (2016). Myanmar number of mobile subscriber. Retrieved October 10, 2018, from https://www.ceicdata.com/en/indicator/myanmar/number-of-subscriber-mobile

Chassat, P. & Foerster, F. (2016). Myanmar banking sector 2025: The way forward. Germany: Roland Berger GmbH. Retrieved August 15, 2018, from https://www.rolandberger.com/en/?country=TH

Cheong, J., Park, M. C. & Hwang, J. (2004). Mobile payment adoption in Korea: Switching from a credit card. Retrieved April 17, 2019, from https://docplayer.net/11273913-Mobilepayment-adoption-in-korea-switching-from-credit-card.html

Cronbach, L. (1951). Coefficient alpha and the internal structure of tests. Psychometrika, 16(3), 297-334.

Fishbein, M. & Ajzen, I. (1975). Belief, attitude, intention, and behavior: an introduc-tion to theory and research. Retrieved November 11, 2018, from https://trove.nla.gov.au/work/ 14275432

Gupta, A. & Dogra, N. (2017). Tourist adoption of mapping apps: A UTAUT2 perspective of a smart traveller. Tourism and Hospitality Management, 23(2), 145-161.

Howard, J. & Sheth, J. (1969). The theory of buyer behavior. Journal of the American Statistical Association, 46, 7-487.

Kinasih, R. (2017). Exploring Myanmar’s economic potential. Retrieved September 1, 2018, from https://ecommerceiq.asia/exploring-myanmar-ecommerce-potential/

Limayem, M., Hirt, S. G. & Cheung, C. (2007). How habit limits the predictive power of intention: The case of information system continuance. MIS Quarterly, 31(4), 705-737.

Lin, H. H. (2017). Mobile money and mobile banking service in Myanmar. Retrieved August 16, 2018, from https://fintechandmyanmar.blogspot.com/2017/07/mobile-money-mobile-bankingservice-in.html

Manaf, N. & Ariyanti, M. (2017). Exploring key factors on technology accept-ance of mobile payment users in indonesia using the modified unified theory of acceptance and use of technology (UTAUT2) model use case: Abc Easy Tap. Retrieved September 26, 2018, from https:// www.iraj.in/journal/journal_file/journal_pdf/14-340-148921185840-44.pdf

Megadewandanu, S., Suyoto, S. & Pranowo, P. (2016). Exploring mobile wallet adoption in Indonesia using UTAUT-2: An approach from consumer perspective. 2016 2nd International Conference on Science and Technology-Computer (ICST). Yogyakarta, Indonesia: Semantic Scholar.

Morosan, C. & Defranco, A. (2016). It’s about time: Revisiting UTAUT2 to examine consumers’ intentions to use NFC mobile payments in hotel. International Journal of Hospitality Management, 53, 17-19.

Nguyen, R. (2017). What to expect in tech this year? Frontier MYANMAR. Retrieved Sepetmber 1, 2018, from https:// frontiermyanmar.net/en/what-to-expect-in-tech-this-year

Oliveira, T., Baptista, G., Thomas, M. & Compas, F. (2016). Understanding the determinants of customer adoption and intention to recommendation the technology. Computers in Human Behavior, 404-414.

Patel, V. (2016). Young consumers’ inten-tion to use mobile wallet services: an empirical investigation. Nirma International Conference on Management (NICOM) 2016, At Institute of Management, Nirma University. Retrieved September 14, 2018, from https://www. researchgate.net/publication/303685121_Young_Consumers’_Intention_to_Use_Mobile_Wallet_Services_An_Empirical_Investigation_Using_UTAUT_Model

Piciarelli, F. (2017). Young people and new technologies: what are the positive aspects? FAMILY and MEDIA. Retrieved April 14, 2019, from https://www.familyandmedia.eu/en/news/young-people-and-new-technologies-what-are-the-positive-aspects/

Stephanie. (2015). Variance inflation factor. Retrieved March 3, 2019, from https://www.statisticshowto.datasciencecentral.com/variance-inflation-factor/

Tao, A. L. (2016). Can mobile tech-nology bring Myanmar in line with other Asean nations?Computer Weekly. Retrieved August 18, 2018, from https://www.computerweekly.com /news/450295982/Can-mobile-technology-bring-Myanmar-in-line-with-other-Asean-nations

The Myanmar Times. (2018). Many are ready to move on from cash: MYANMAR TIMES. Retrieved August 31, 2018, from https://www.mmtimes.com/news/ma-ny-are-ready-move-cash. html

Venkatesh, V., Morris , M., Davis, G. & Davis, F. (2003). User Acceptance of Information Technology: Toward a Unified View. MIS Quarterly, 27(3), 425-478.

Venkatesh, V., Thong, J. & Xu, X. (2012). Consumer Acceptance and Use of Information: Extending The Unified Theory. MIS Quarterly, 36(1), 157-178.

Wave Money. (2015). Background of Wave Money. Retrieved September 15, 2018, from https://www.wavemoney.com.mm/about-us/

Yadav, K. M. (2016). Behavioural intentions to adopt mobile wallets: a developing country’s perspective. Journal of Indian Business Research, 8(3), 227-224.

Yamane, T. (1967). Statistics, An Introductory Analysis (2nd ed.). New York: Happer and Raw.

Yee, C., Qi, N., Young, S., Wee, Y. & Yee, Y. (2015). Factors influencing behav-ioural intention to adopt mobile e-books among undergr -duates: UTAUT2 Framework (Bachelor’s Thesis). Retrieved September 26, 2018, from https://eprints.utar.edu.my/id/eprint/1804

Zainudeen, A. & Galpaya, H. (2015). Mobile phones, internet and gender in Myanmar, London, UK: GSM Association and LIRNEasia. Retrieved September 16, 2018, from https://www.gsma.com/mobilefordevelopment/wp-content/uploads/2016/02/Mobile-phones-internet-andgender-in-Myanmar.pdf

Zeithaml, V. (1988). Consumer perceptions of price, quality, and value: A means-end model and synthesis of evidence. Journal of Marketing, 52(2), 2-22.