Browsing by Author "Sagni Berhanu"

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    Factors Affecting digital Money Wallet Adoption: The Case of Selected Users in Addis Ababa
    (Addis Ababa University, 2025-08) Sagni Berhanu; Mengistu Bogale (PhD)
    This study explores the determinants of digital wallet adoption in Addis Ababa, Ethiopia, by integrating key demographic variables with constructs from the Unified Theory of Acceptance and Use of Technology(UTAUT). Using quantitative data collected through a structured questionnaire, the research investigates the main and moderating effects of age, gender, income, education, and technological literacy on adoption behavior. The UTAUT constructs—Performance Expectancy (PE), Effort Expectancy (EE), Social Influence (SI), and Facilitating Conditions (FC)—are examined both as independent predictors and as moderators of demographic influences. The findings reveal that age, income, and technological literacy significantlyaffect adoption, while gender and education do not exhibit notable influence. Moreover, interaction effects suggest that PE and EE strengthen adoption likelihood among higher-income individuals and that FCs play a more prominent role for older users. With an R-squared value of 22.2%, the model offers a modest yet meaningful explanation of adoption behavior. The study contributes to the growing body of literature on financial technology uptake in developing urban contexts and offers actionable insights for developers, service providers, and policymakers. It concludes by emphasizing the importance of localized digital finance solutions, targeted support mechanisms, and further empirical inquiry into user behavior