2026-06-25T05:13:46Z https://meral.edu.mm/oai

oai:meral.edu.mm:recid/00012361 2026-01-15T03:52:15Z 1607960099348 1607960099348:1608034815190

ADOPTION OF MOBILE WALLET SYSTEM IN MYANMAR: CASE STUDY OF KBZ BANK IN SAGAING Mg Zin Min Thant The objective of the study is to examine the factors influencing the adoption of KBZPay Wallet under KBZ Bank. A conceptual framework based on the Technology Acceptance Model (TAM) was developed and tested using data collected from a sample of 300 KBZPay users. The sample was randomly gathered in the Sagaing Township, and the data was collected through well-structured questionnaires. In this study, independent variables, factors affecting include, perceived usefulness, perceived security, time saving and perceived cost and dependent variable is KBZPay Wallet adoption. According to the result from analysis based on there are four influencing variables such as perceived usefulness, perceived security, time saving and perceived costs that influence on customer intention to adopt. For the significant of each variable, perceived usefulness and perceived cost is significant at 1% level and time saving is significant at 5% level. The findings of this study provide valuable insights for decisionmakers to understand how digital payment methods impact user perceptions and adoption. Additionally, the establishment of more merchant acceptance points is essential to encourage broader customer adoption. Moreover, wallet providers should develop promotional strategies that align with market demands. In this study, independent variables, factors affecting include, perceived usefulness, perceived security, time saving and perceived cost and dependent variable is KBZPay Wallet adoption. 2025-06-02 https://meral.edu.mm/records/12361