Publicação
Adoption of Digital Data Wallets: UTAUT2 Encounters Privacy Calculus
| Resumo: | Headlines about data leaks, stolen identities, and privacy breaches are no rarity, providing an opportunity for decentralized identity management systems to gain increasing attention. The underlying solution involve digital data wallets (DDWs), which allow users to verify themselves for various services by securely storing their own data - from university certificates to ID cards to health records. Accordingly, it is critical to understand what factors influence the expected use of DDWs along with the extent to which privacy concerns affect their adoption. Therefore, this study provides a holistic approach by proposing a model consisting of variables from the unified theory of acceptance and use of technology (UTAUT2) as well as variables from the privacy calculus model fused into a distinct model. The model was estimated using the partial least squares method and survey data from 400 respondents. It revealed that perceived benefits as well as perceived value play a vital role in the expected use of DDWs. Contrarily, perceived risks were found to influence perceived value, but not expected use. Overall, the model resulted in 11 out of 18 hypotheses being supported. These results help to understand how users will adopt DDWs and are important in encouraging citizens to engage with this new technology. |
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| Autores principais: | Tibbe, Maureen Rachel |
| Assunto: | Digital Data Wallet Adoption Acceptance UTAUT2 Privacy calculus SDG 17 - Partnerships for the goals |
| Ano: | 2023 |
| País: | Portugal |
| Tipo de documento: | dissertação de mestrado |
| Tipo de acesso: | acesso aberto |
| Instituição associada: | Universidade Nova de Lisboa |
| Idioma: | inglês |
| Origem: | Repositório Institucional da UNL |
| Resumo: | Headlines about data leaks, stolen identities, and privacy breaches are no rarity, providing an opportunity for decentralized identity management systems to gain increasing attention. The underlying solution involve digital data wallets (DDWs), which allow users to verify themselves for various services by securely storing their own data - from university certificates to ID cards to health records. Accordingly, it is critical to understand what factors influence the expected use of DDWs along with the extent to which privacy concerns affect their adoption. Therefore, this study provides a holistic approach by proposing a model consisting of variables from the unified theory of acceptance and use of technology (UTAUT2) as well as variables from the privacy calculus model fused into a distinct model. The model was estimated using the partial least squares method and survey data from 400 respondents. It revealed that perceived benefits as well as perceived value play a vital role in the expected use of DDWs. Contrarily, perceived risks were found to influence perceived value, but not expected use. Overall, the model resulted in 11 out of 18 hypotheses being supported. These results help to understand how users will adopt DDWs and are important in encouraging citizens to engage with this new technology. |
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