Investigating the Impact of Demographic Factors on Personal Innovativeness in Digital Wallet Usage

Abstract

This study examines demographic factors and personal innovativeness to information technologies (PIIT) among Brunei Darussalam's digital wallet users. Analyzing data from 181 respondents, it explores the influence of gender, age, and adopter category on PIIT levels. Results show no significant correlation between gender and PIIT levels, challenging gender-based assumptions. Age groups also exhibit no significant association with PIIT levels, contrary to expectations. However, the adopter category demonstrates a significant relationship with PIIT levels, highlighting the impact of adoption behavior. Tailored marketing, product design, and policy interventions are needed for digital inclusion. Findings of this study have implications for academia, industry, and policymaking, providing insights into technology adoption behaviors in the digital wallet domain.